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BMO 
Bank of Montreal (BMO)
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Upturn Advisory Summary
12/04/2025: BMO (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $118.33
1 Year Target Price $118.33
| 2 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.21% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 91.67B USD | Price to earnings Ratio 15.53 | 1Y Target Price 118.33 |
Price to earnings Ratio 15.53 | 1Y Target Price 118.33 | ||
Volume (30-day avg) 15 | Beta 1.24 | 52 Weeks Range 82.76 - 130.14 | Updated Date 12/3/2025 |
52 Weeks Range 82.76 - 130.14 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 5.06% | Basic EPS (TTM) 8.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-12-04 | When Before Market | Estimate 2.96 | Actual - |
Profitability
Profit Margin 27.68% | Operating Margin (TTM) 41.07% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 10.29% |
Valuation
Trailing PE 15.53 | Forward PE 12.95 | Enterprise Value -81440956416 | Price to Sales(TTM) 2.91 |
Enterprise Value -81440956416 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 11.19 | Enterprise Value to EBITDA - | Shares Outstanding 716306770 | Shares Floating 715626279 |
Shares Outstanding 716306770 | Shares Floating 715626279 | ||
Percent Insiders 0.17 | Percent Institutions 55.18 |
Upturn AI SWOT
Bank of Montreal
Company Overview
History and Background
Bank of Montreal (BMO) was founded in 1817, making it one of Canada's oldest banks. It has grown from a regional bank into a diversified financial services provider with a significant presence in North America.
Core Business Areas
- Personal and Commercial Banking: Offers a range of banking products and services, including chequing and savings accounts, mortgages, loans, and credit cards to individuals and businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals, families, and institutions through BMO Wealth Management.
- Capital Markets: Offers investment banking, trading, and corporate banking services to corporate, institutional, and government clients globally through BMO Capital Markets.
Leadership and Structure
BMO is led by a Board of Directors and a senior management team. Darryl White is the current CEO. The organizational structure is divided into the core business areas listed above.
Top Products and Market Share
Key Offerings
- Market Share: Unknown - requires further research
- Mortgages: BMO offers various mortgage products. Market share varies by region and product type. Competitors include TD Bank, RBC, and Scotiabank.
- Credit Cards: BMO provides a range of credit cards. Market share varies by region. Competitors include CIBC, Chase and American Express.
- Market Share: Unknown - requires further research
- Market Share: Unknown - requires further research
- Wealth Management Services: BMO provides comprehensive wealth management and financial planning services to high net worth clients. Competitors include Goldman Sachs and Morgan Stanley.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, technological disruption, and evolving regulatory requirements.
Positioning
BMO is a major player in the North American banking market, known for its stability, diversified business model, and focus on customer service.
Total Addressable Market (TAM)
The TAM for North American banking is estimated to be in the trillions of dollars. BMO is positioned to capture a significant portion of this TAM through its various business lines.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Solid capital base
- Established customer base
- Presence in both Canada and the US
Weaknesses
- Exposure to Canadian housing market
- Operational inefficiencies compared to competitors
- Dependence on interest rate spreads
- Cybersecurity risks
Opportunities
- Expansion in the US market
- Growing wealth management segment
- Increased adoption of digital banking services
- Strategic acquisitions
- Investment in automation to reduce cost
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- GS
Competitive Landscape
BMO's advantages include its established presence in both Canada and the US. Disadvantages include a smaller scale compared to some of its larger US competitors and greater exposure to the Canadian economy.
Major Acquisitions
Bank of the West
- Year: 2023
- Acquisition Price (USD millions): 16300
- Strategic Rationale: Expanded BMO's presence in the US and provided a platform for further growth.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require analysis of financial statements over multiple years.
Future Projections: Future projections require access to analyst estimates and company guidance.
Recent Initiatives: Recent strategic initiatives include digital transformation efforts and expansion in the US market.
Summary
BMO is a strong Canadian bank with a growing presence in the US. It benefits from a diversified business model and a solid capital base. BMO needs to be mindful of rising interest rates and increasing competition from fintech companies. BMO's recent acquisition of Bank of the West will support future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice. Market share data is approximate and may vary by region and product.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of Montreal
Exchange NYSE | Headquaters Montreal, QC, Canada | ||
IPO Launch date 1994-10-27 | CEO & Director Mr. William Darryl White | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 53597 | Website https://www.bmo.com |
Full time employees 53597 | Website https://www.bmo.com | ||
Bank of Montreal engages in the provision of diversified financial services primarily in North America. The company operates through Canadian P&C, U.S P&C, BMO Wealth Management, and BMO Capital Markets segments. It's personal banking products and services include deposits, home lending, consumer credit, small business lending, credit cards, cash management, financial and investment advice, and other banking services; and commercial banking products and services comprise various of financing options and treasury and payment solutions, as well as risk management products. It also offers investing, banking, and wealth management advisory; digital investing services; financial solutions for individuals, families, and businesses; offers investment management services to institutional, retail, and high net worth investors; and diversified insurance, and wealth and pension de-risking solutions. In addition, the company provides individual life, critical illness and annuity products, as well as segregated funds, and group creditor and travel insurance to customers; debt and equity capital-raising, loan origination and syndication, balance sheet management, treasury management, mergers and acquisitions advice, restructurings and recapitalizations, trade finance, and risk mitigation services, as well as a range of banking and other operating services. Further, the company offers research and access to financial markets for institutional, corporate and retail clients through an integrated suite of sales and trading solutions related to debt, foreign exchange, interest rates, credit, equities, securitization, and commodities; provides new product development and origination services, as well as risk management and advisory services for hedging strategies, including in interest rates, foreign exchange rates and commodities prices; and funding and liquidity management services. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
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