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Upturn AI Summary - About
Bank of Montreal(BMO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BMO
10/30/2026: BMO (4-star) is currently NOT-A-BUY. Pass it for now.
Bank of Montreal is a venerable, diversified North American financial institution that provides personal and commercial banking, wealth management, and capital market services. Its primary strengths include a stable Canadian retail core and a growing U.S. footprint, bolstered by the successful integration of Bank of the West. The investment story centers on leveraging this expanded geographic scale to drive cross-border synergy. However, investors face risks related to potential Canadian housing volatility, regulatory pressures, and competition from agile fintech providers. BMO is well-suited for long-term dividend and value-oriented investors who seek stability, though monitoring the integration of U.S. operations and credit performance remains essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | BMO is a mature financial institution focused more on stability and dividends than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and is less suited for short-term momentum strategies. |
| Value investor | Strong fit | The stock often trades at reasonable valuations compared to book value and earnings. |
| Dividend investor | Strong fit | BMO has a history of reliable dividend payments that appeal to income-focused investors. |
| Low-risk investor | Strong fit | As a major regulated financial institution, it offers relative stability compared to speculative assets. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro interest rate shifts. |
| Valuation risk | Medium | The stock's valuation is tied closely to broader North American economic outlooks. |
| Competition risk (Banking) | High | Fierce competition from both digital and traditional banks impacts market share. |
| Business quality | Strong | BMO possesses a long-standing, diversified franchise with strong capital levels. |
| Dividend income | Strong | BMO has a very strong reputation for sustaining and growing its dividend. |
| Execution risk | Medium | Integrating large acquisitions like Bank of the West requires successful cultural and technical execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 67.48% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 118.95B USD | Price to earnings Ratio 19.34 | 1Y Target Price 168.86 |
Price to earnings Ratio 19.34 | 1Y Target Price 168.86 | ||
Volume (30-day avg) 752.3K shares | Beta 1.12 | 52 Weeks Range 116.22 - 185.91 | Updated Date 11/01/2026 |
52 Weeks Range 116.22 - 185.91 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 3.82% | Basic EPS (TTM) 8.85 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal & Commercial Banking | Mortgages, credit cards, and business loans in Canada and the U.S. | This is the core engine of the bank, earning money from loan interest and account fees. |
| Wealth Management | Investment advisory, mutual funds, and estate services. | The bank takes a percentage of assets under management or advisory fees from clients. |
| Capital Markets | Trading, investment banking, and underwriting. | This area earns fees from corporate clients for financial deals and trading commissions. |
| Geography | Canada and the United States. | The bank splits its risk and opportunity between the Canadian domestic market and U.S. expansion. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 19.34 | Forward PE 14.51 | Enterprise Value 668.66M | Price to Sales(TTM) 3.34 |
Enterprise Value 668.66M | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 12.48 | Enterprise Value to EBITDA - | Shares Outstanding 695.09M | Shares Floating 696.32M |
Shares Outstanding 695.09M | Shares Floating 696.32M | ||
Percent Insiders 0.03 | Percent Institutions 54.61 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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