BMO
NEUTRAL
$137.69
Live
Bank of Montreal · NYSE
Target $127.91
(-7.1%)
$85.4
52W Range
$138.95
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$98.97B
P/E
16.77
ROE
10.1%
Profit margin
26.7%
Debt/Equity
N/A
Dividend yield
3.45%
AI Analysis
AI-powered fundamental assessment
Confidence
72%
The Advanced Deterministic Scorecard shows a weak Piotroski F-Score of 4/9, indicating marginal financial health, and the absence of an Altman Z-Score prevents a full solvency risk assessment. Despite solid profitability metrics like a 38.67% operating margin and strong revenue growth of 15.50%, earnings growth is inconsistent, with recent Q/Q declines and volatile quarterly surprises. The stock trades above its Graham defensive value of $127.87 at $137.69, yet below the analyst target of $127.91, while offering a solid 3.45% dividend yield with a sustainable 56.29% payout ratio. Technical trend sentiment is weak at 10/100, offsetting positive insider sentiment, resulting in a neutral overall stance.
Key Strengths
Strong operating margin of 38.67% indicates efficient cost management
Revenue growth of 15.50% YoY outpaces sector average of 34.80% despite macro headwinds
Dividend yield of 3.45% is attractive with a reasonable payout ratio of 56.29%
Historical price performance shows strong 5Y return of +120.0%, reflecting long-term investor confidence
Analyst recommendation consensus is 'hold' with limited downside implied by target price
Key Risks
Low Piotroski F-Score of 4/9 signals weak financial health and potential balance sheet inefficiencies
Missing Altman Z-Score creates uncertainty around bankruptcy risk and capital structure stability
Earnings growth is inconsistent, with YoY growth at +56.3% but Q/Q EPS down -8.0% and recent negative surprises
Technical trend score of 10/100 suggests strong near-term bearish momentum
Valuation metrics like P/E of 16.77 are below sector average of 30.22, but forward P/E of 12.28 may reflect deteriorating expectations
AI Fair Value Estimate
Based on comprehensive analysis
$127.87
-7.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
57
Moderate
52
56
64
45
70
AI Verdict
Neutral with moderate upside risk due to valuation and technical pressures
Key drivers: Piotroski F-Score of 4, Graham Number vs current price, Strong revenue growth but weak earnings consistency, High insider sentiment despite zero transactions, Bearish technical trend
Confidence
75%
Value
52/100
Ref P/E, PEG, Graham Number
Positives
- Graham Number of $127.87 provides conservative floor
- Forward P/E of 12.28 suggests potential undervaluation
Watchpoints
- Current price of $137.69 exceeds Graham defensive value
- PEG Ratio unavailable limits growth-adjusted valuation
Future
56/100
Ref Growth rates
Positives
- Revenue growth of 15.50% YoY indicates demand strength
- Forward P/E of 12.28 implies improving earnings outlook
Watchpoints
- Q/Q earnings growth of -0.60% and -8.0% Q/Q EPS decline signal near-term weakness
- Earnings surprise volatility has increased recently
Past
64/100
Ref Historical trends
Positives
- 5Y price return of +120.0% shows strong historical performance
- Long-term earnings trend includes multiple large positive surprises
Watchpoints
- Recent quarters show declining earnings relative to estimates
- Q/Q revenue growth not available, limiting trend analysis
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 10.12% is positive and above cost of equity in many models
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Missing Altman Z-Score, Debt/Equity, and cash/debt data limits solvency assessment
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 3.45% is above market average
- Payout ratio of 56.29% is sustainable for a financial institution
Watchpoints
- Dividend Strength score of 50/100 suggests moderate reliability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$137.69
Analyst Target
$127.91
Upside/Downside
-7.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BMO and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BMO
Bank of Montreal
Primary
|
+120.0% | +57.5% | +42.1% | +21.6% | +5.5% | +0.9% |
|
IBN
ICICI Bank Limited
Peer
|
+69.8% | +24.1% | -17.2% | -11.5% | +8.8% | -4.2% |
|
CM
Canadian Imperial Bank of Commerce
Peer
|
+164.8% | +204.6% | +84.8% | +34.2% | +13.4% | +0.2% |
|
CME
CME Group Inc.
Peer
|
+107.0% | +88.5% | +33.3% | +4.1% | +6.3% | +3.1% |
|
BNS
The Bank of Nova Scotia
Peer
|
+76.6% | +68.7% | +49.2% | +32.2% | +1.1% | +1.9% |
BMO
Bank of Montreal
Primary
5Y
+120.0%
3Y
+57.5%
1Y
+42.1%
6M
+21.6%
1M
+5.5%
1W
+0.9%
IBN
ICICI Bank Limited
Peer
5Y
+69.8%
3Y
+24.1%
1Y
-17.2%
6M
-11.5%
1M
+8.8%
1W
-4.2%
CM
Canadian Imperial Bank of Commerce
Peer
5Y
+164.8%
3Y
+204.6%
1Y
+84.8%
6M
+34.2%
1M
+13.4%
1W
+0.2%
CME
CME Group Inc.
Peer
5Y
+107.0%
3Y
+88.5%
1Y
+33.3%
6M
+4.1%
1M
+6.3%
1W
+3.1%
BNS
The Bank of Nova Scotia
Peer
5Y
+76.6%
3Y
+68.7%
1Y
+49.2%
6M
+32.2%
1M
+1.1%
1W
+1.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
16.77
Forward P/E
12.28
PEG Ratio
N/A
P/B Ratio
1.56
P/S Ratio
3.03
EV/Revenue
-0.77
EV/EBITDA
N/A
Market Cap
$98.97B
Profitability
Profit margins and return metrics
Profit Margin
26.67%
Operating Margin
38.67%
Gross Margin
N/A
ROE
10.12%
ROA
0.6%
Growth
Revenue and earnings growth rates
Revenue Growth
+15.5%
Earnings Growth
+1.1%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-0.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$633.5
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-24
$N/A
2025-12-04
$2.97
+2.8% surprise
2025-08-26
$3.23
+9.2% surprise
2025-05-28
$2.5
+4.5% surprise
Financial Services Sector Comparison
Comparing BMO against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
16.77
This Stock
vs
36.01
Sector Avg
-53.4%
(Discount)
Return on Equity (ROE)
10.12%
This Stock
vs
-0.73%
Sector Avg
-1481.5%
(Below Avg)
Profit Margin
26.67%
This Stock
vs
91.62%
Sector Avg
-70.9%
(Weaker)
Revenue Growth
15.5%
This Stock
vs
35.27%
Sector Avg
-56.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BMO
Bank of Montreal
|
NEUTRAL | $98.97B | 16.77 | 10.1% | 26.7% | $137.69 | |
|
IBN
ICICI Bank Limited
|
NEUTRAL | $98.66B | 17.32 | 16.4% | 24.9% | $27.54 | Compare |
|
CM
Canadian Imperial Bank of Commerce
|
NEUTRAL | $100.8B | 15.6 | 14.7% | 33.5% | $109.52 | Compare |
|
CME
CME Group Inc.
|
NEUTRAL | $102.78B | 27.62 | 13.3% | 58.9% | $285.04 | Compare |
|
BNS
The Bank of Nova Scotia
|
NEUTRAL | $93.29B | 18.17 | 9.0% | 24.6% | $74.87 | Compare |
BMO
Bank of Montreal
NEUTRAL
Mkt Cap
$99.0B
P/E
16.8
ROE
10.1%
Price
$137.69
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-05 | Claxton (Hazel Cynthia) | Director of Issuer | Acquisition in the public market at price 134.16 p | 325 | $43,600 |
| 2026-01-01 | Dufaux (Caroline) | Senior Officer of Issuer | Stock Award | - | - |
| 2026-01-01 | Dufaux (Caroline) | Senior Officer of Issuer | Stock Award | - | - |
| 2025-12-16 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
| 2025-12-15 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
| 2025-12-15 | Bank Of Montreal | Issuer | Purchase | 175,000 | $23,129,750 |
| 2025-12-15 | Tannenbaum (Alan) | Senior Officer of Issuer | Option Exercise | 11,447 | $1,017,134 |
| 2025-12-15 | Tannenbaum (Alan) | Senior Officer of Issuer | Disposition in the public market at price 132.29 p | 11,447 | $1,514,369 |
| 2025-12-12 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
| 2025-12-12 | Bank Of Montreal | Issuer | Purchase | 175,000 | $23,129,050 |
| 2025-12-11 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
| 2025-12-11 | Bank Of Montreal | Issuer | Purchase | 175,000 | $23,035,775 |
| 2025-12-10 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
| 2025-12-10 | Bank Of Montreal | Issuer | Purchase | 175,000 | $22,496,075 |
| 2025-12-09 | Bank Of Montreal | Issuer | Stock Award | 175,000 | - |
Claxton (Hazel Cynthia)
Director of Issuer
2026-01-05
325 shares
·
$43,600
Dufaux (Caroline)
Senior Officer of Issuer
2026-01-01
Dufaux (Caroline)
Senior Officer of Issuer
2026-01-01
Bank Of Montreal
Issuer
2025-12-16
175,000 shares
Bank Of Montreal
Issuer
2025-12-15
175,000 shares
Bank Of Montreal
Issuer
2025-12-15
175,000 shares
·
$23,129,750
Tannenbaum (Alan)
Senior Officer of Issuer
2025-12-15
11,447 shares
·
$1,017,134
Tannenbaum (Alan)
Senior Officer of Issuer
2025-12-15
11,447 shares
·
$1,514,369
Bank Of Montreal
Issuer
2025-12-12
175,000 shares
Bank Of Montreal
Issuer
2025-12-12
175,000 shares
·
$23,129,050
Bank Of Montreal
Issuer
2025-12-11
175,000 shares
Bank Of Montreal
Issuer
2025-12-11
175,000 shares
·
$23,035,775
Bank Of Montreal
Issuer
2025-12-10
175,000 shares
Bank Of Montreal
Issuer
2025-12-10
175,000 shares
·
$22,496,075
Bank Of Montreal
Issuer
2025-12-09
175,000 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
3 analysts
RBC Capital
2025-10-03
Outperform
Sector Perform
RBC Capital
2025-08-27
Outperform
Outperform
Past News Coverage
Recent headlines mentioning BMO from our newsroom.
Newest → oldest
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