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BMO 
Bank of Montreal (BMO)
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Upturn Advisory Summary
02/20/2025: BMO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -15.69% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 73.87B USD | Price to earnings Ratio 15.04 | 1Y Target Price 103.45 |
Price to earnings Ratio 15.04 | 1Y Target Price 103.45 | ||
Volume (30-day avg) 584943 | Beta 1.12 | 52 Weeks Range 75.21 - 103.46 | Updated Date 02/20/2025 |
52 Weeks Range 75.21 - 103.46 | Updated Date 02/20/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 6.71 |
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-02-25 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 25.21% | Operating Margin (TTM) 44.22% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 9.14% |
Valuation
Trailing PE 15.04 | Forward PE 13.14 | Enterprise Value -20564807680 | Price to Sales(TTM) 2.54 |
Enterprise Value -20564807680 | Price to Sales(TTM) 2.54 | ||
Enterprise Value to Revenue 11.53 | Enterprise Value to EBITDA - | Shares Outstanding 729953024 | Shares Floating 728865710 |
Shares Outstanding 729953024 | Shares Floating 728865710 | ||
Percent Insiders 0.1 | Percent Institutions 54.72 |
AI Summary
Bank of Montreal: A Comprehensive Overview
Company Profile
Detailed History and Background
Founded in 1817, Bank of Montreal (BMO) is the fourth oldest bank in Canada and one of the North America's leading financial services providers. Headquartered in Toronto, Canada, BMO operates through personal, commercial, and wealth management divisions, serving more than 12 million customers across 32 countries.
Throughout its history, BMO has strategically grown through acquisitions like Harris Bank (1984), BMO Harris Private Banking (2003), Marshall & Ilsley Corp. (2011), and Bank of the West (2022). These acquisitions expanded their presence across the United States and solidified their position as a top-tier North American bank.
Core Business Areas
BMO focuses its business across three primary areas:
1. Personal & Commercial Banking: Providing traditional banking solutions like deposit accounts, loans (personal, mortgage & small business), credit cards, and wealth management services to individuals and businesses. 2. Wealth Management: Offering investment management, financial planning, retirement solutions, and trust & estate planning for individuals and institutions through BMO Private Wealth, BMO InvestorLine & BMO Global Asset Management. 3. Capital Market: Providing financial solutions to institutional clients, including corporations, governments & financial institutions through trading, debt and equity underwriting, M&A advisory, treasury and wealth management services.
Leadership and Corporate Structure
- Daryl White: President & CEO
- Cameron Fowler: Group Head, Personal & Business Banking
- Erminia Johanns: Group Head, BMO Capital Markets
- Bruce Marks: U.S. Chief Executive
- Sonia Baxendale: Group Head, BMO Wealth Management
BMO operates under a Board of Directors comprising independent and non-executive members with diverse experience in finance, law, and business, providing governance and oversight.
Top Products and Market Share
Key Products and Services
- Deposit Accounts: BMO offers a range of chequing, savings, and investment accounts catering to various needs, from daily transactions to long-term savings.
- Loans: The bank provides personal loans (including student, auto, home improvement), mortgages and small business loans catering to diverse needs.
- Credit Cards: BMO offers a range of credit cards with different features and rewards programs targeting various spending preferences.
- Wealth Management: Comprehensive solutions including investment portfolios, retirement planning, trust & estate services and financial advisory services.
- Capital Markets: BMO is a top-tier investment dealer and underwriter in Canada and a major player in the US, offering equity & debt capital raising, M&A advisory, trading & clearing solutions.
Market Share Analysis
Global Share:
- Deposit Market Share (2022 data): BMO ranks 5th in North America with 4.5% share
- Credit Market Share (2022 data): BMO holds 4.3% share in North America, placing it 7th in the region. U.S. Market:
- Retail Bank Share (2022): With Bank of the West acquisition, BMO occupies the 12th position with 2.3% market share.
- Wealth Management Share (2022): BMO Private Bank is among the top 15 players, managing over 90 billion USD in client investment assets.
- Capital Market Share (2022): BMO ranks 12th in underwriting with 3.9% market share of completed M&A deals in the US.
Total Addressable Market
BMO operates in three large and dynamic markets:
1. Retail Banking Market: This encompasses 349.1 million people in North America with a total deposit market size exceeding $14 trillion. 2. Wealth Management Market: North America's wealth market holds around $60.28 trillion in investable assets, showcasing substantial growth potential. 3. Capital Markets: This global industry encompasses businesses, institutions & governments, generating trillions of dollars annually from financial activities, including underwriting & M&A.
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 provides diversified financial services primarily in North America. It operates through Canadian P&C, U.S P&C, BMO Wealth Management, and BMO Capital Markets segments. The company's personal banking products and services include deposits, mortgages, 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; provides 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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