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Upturn AI SWOT - About
BMO 
Bank of Montreal (BMO)
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Upturn Advisory Summary
09/15/2025: BMO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $117.65
1 Year Target Price $117.65
| 2 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 34.17% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 90.56B USD | Price to earnings Ratio 15.33 | 1Y Target Price 117.65 |
Price to earnings Ratio 15.33 | 1Y Target Price 117.65 | ||
Volume (30-day avg) 15 | Beta 1.26 | 52 Weeks Range 82.83 - 127.93 | Updated Date 09/15/2025 |
52 Weeks Range 82.83 - 127.93 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 5.02% | Basic EPS (TTM) 8.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-26 | When Before Market | Estimate 2.96 | Actual 3.23 |
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 15.33 | Forward PE 13.16 | Enterprise Value -81763295232 | Price to Sales(TTM) 2.87 |
Enterprise Value -81763295232 | Price to Sales(TTM) 2.87 | ||
Enterprise Value to Revenue 11.21 | Enterprise Value to EBITDA - | Shares Outstanding 716307008 | Shares Floating 715497343 |
Shares Outstanding 716307008 | Shares Floating 715497343 | ||
Percent Insiders 0.17 | Percent Institutions 53.22 |
Upturn AI SWOT
Bank of Montreal
Company Overview
History and Background
Bank of Montreal (BMO) was founded in Montreal, Quebec, in 1817. It is one of Canada's oldest banks and has expanded significantly over time, becoming a major North American financial institution. Key milestones include early financing of Canadian infrastructure, expansion into the U.S., and diversification of its financial services offerings.
Core Business Areas
- Personal and Commercial Banking: Provides a range of financial products and services to individuals and small to medium-sized businesses, including deposit accounts, loans, mortgages, and payment solutions.
- Wealth Management: Offers investment management, financial planning, and private banking services to high-net-worth individuals and families.
- BMO Capital Markets: Provides investment banking, corporate banking, and trading services to institutional clients.
- US P&C Banking: Offers banking services in the US through BMO Harris Bank.
Leadership and Structure
BMO's leadership team consists of the CEO, Chief Financial Officer, and heads of each major business segment. The organizational structure is hierarchical, with clear lines of reporting and accountability.
Top Products and Market Share
Key Offerings
- Mortgages: BMO offers a variety of mortgage products with competitive interest rates. Competitors include TD, RBC, and ScotiaBank. BMO holds a significant share of the Canadian mortgage market, estimated around 12-14%.
- Credit Cards: BMO offers various credit cards with rewards programs and benefits. Competitors include RBC, TD, and American Express. Market share is estimated around 10-12% in Canada.
- Investment Management: BMO offers investment management services through its wealth management division, providing diversified investment solutions. Competitors include BlackRock, Vanguard, and Fidelity.
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing regulation, technological disruption, and heightened competition. Interest rate fluctuations and economic conditions significantly impact profitability. Digital transformation and cybersecurity risks are key considerations.
Positioning
BMO is a well-established player in the North American financial services market with a strong brand reputation. It leverages its diversified business model and focus on customer service to maintain a competitive edge.
Total Addressable Market (TAM)
The global financial services market is valued at several trillion USD. BMO's market share within this TAM is modest, focused primarily in Canada and the US Midwest, but well-positioned for growth with ongoing digital transformation and acquisition efforts.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Established customer base
- Solid capital position
- Growing presence in the U.S.
Weaknesses
- Exposure to Canadian housing market
- Reliance on interest rate spreads
- Operational risks
- Cybersecurity vulnerabilities
- Slower growth compared to some peers
Opportunities
- Expansion in the U.S. market
- Growth in wealth management
- Digital transformation initiatives
- Strategic acquisitions
- Increasing demand for sustainable investments
Threats
- Economic downturns
- Increased competition
- Regulatory changes
- Cybersecurity threats
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
Competitive Landscape
BMO competes with major U.S. banks in specific segments, such as investment banking and commercial lending. Its competitive advantage lies in its Canadian operations and growing U.S. presence. U.S. banks typically have greater scale and broader product offerings.
Major Acquisitions
Bank of the West
- Year: 2023
- Acquisition Price (USD millions): 16300
- Strategic Rationale: The acquisition of Bank of the West significantly expands BMO's presence in the U.S. market, providing access to new customers and markets. It diversifies BMO's revenue streams and enhances its overall growth potential.
Growth Trajectory and Initiatives
Historical Growth: BMO's historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates for future growth vary depending on economic forecasts and company performance. Expansion in the U.S. and digital initiatives are expected to contribute to future growth.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and acquisitions to strengthen its presence in key markets.
Summary
Bank of Montreal is a stable, well-established financial institution with a diversified business model. Its recent acquisition of Bank of the West enhances its U.S. presence and growth prospects. Challenges include navigating economic uncertainties, managing cybersecurity risks, and maintaining competitiveness in a rapidly evolving industry. Continued focus on digital transformation and strategic acquisitions are crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- BMO Annual Reports
- SEC Filings
- Financial News Articles
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market data is subject to change and may not be entirely accurate.
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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