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Upturn AI SWOT - About
BMO 
Bank of Montreal (BMO)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
03/27/2025: BMO (1-star) is currently NOT-A-BUY. Pass it for now.
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 -19.04% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 65.63B USD | Price to earnings Ratio 11.96 | 1Y Target Price 106.2 |
Price to earnings Ratio 11.96 | 1Y Target Price 106.2 | ||
Volume (30-day avg) 658850 | Beta 1.06 | 52 Weeks Range 75.21 - 106.00 | Updated Date 04/6/2025 |
52 Weeks Range 75.21 - 106.00 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 5.02% | Basic EPS (TTM) 7.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.99% | Operating Margin (TTM) 37.75% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 9.91% |
Valuation
Trailing PE 11.96 | Forward PE 11.03 | Enterprise Value -115025002496 | Price to Sales(TTM) 2.17 |
Enterprise Value -115025002496 | Price to Sales(TTM) 2.17 | ||
Enterprise Value to Revenue 10.96 | Enterprise Value to EBITDA - | Shares Outstanding 727584000 | Shares Floating 728078531 |
Shares Outstanding 727584000 | Shares Floating 728078531 | ||
Percent Insiders 0.03 | Percent Institutions 53.99 |
Analyst Ratings
Rating 3.64 | Target Price 100.6 | Buy 5 | Strong Buy 2 |
Buy 5 | Strong Buy 2 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bank of Montreal
Company Overview
History and Background
Founded in 1817, Bank of Montreal (BMO) is one of the oldest banks in Canada. It has grown through organic expansion and strategic acquisitions, becoming a leading North American financial services provider.
Core Business Areas
- Personal and Commercial Banking: Provides a range of financial products and services to individuals and businesses, including deposit accounts, loans, mortgages, and credit cards.
- Wealth Management: Offers investment management, financial planning, and private banking services to individuals, families, and institutions.
- BMO Capital Markets: Provides investment banking, corporate banking, and trading products and services to corporations, governments, and institutional investors.
Leadership and Structure
BMO is led by its CEO and a senior management team, overseen by a Board of Directors. The organizational structure includes various business groups and support functions.
Top Products and Market Share
Key Offerings
- Mortgages: BMO offers a variety of mortgage products. Competitors include TD, RBC, and Scotiabank. Market share data is difficult to precisely extract due to varying regional and product-specific breakdowns; however, BMO consistently ranks among the top 5 mortgage providers in Canada.
- Credit Cards: BMO provides a range of credit cards with rewards and benefits. Competitors are American Express, Visa (through other banks), and Mastercard (through other banks). Market share data is difficult to precisely extract due to varying regional and product-specific breakdowns.
- Investment Products: Through BMO Wealth Management, investment products are available, including ETFs. Competitors include BlackRock, Vanguard. Market share is not available.
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing regulatory scrutiny, technological disruption, and evolving customer expectations.
Positioning
BMO is a diversified financial institution with a strong presence in both Canada and the U.S. Its competitive advantages include a strong brand, a diverse product portfolio, and a well-established customer base.
Total Addressable Market (TAM)
The TAM for banking services in North America is in the trillions of dollars. BMO is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Established customer base
- Solid financial performance
- Growing presence in the U.S.
Weaknesses
- Exposure to economic cycles
- Regulatory complexity
- Dependence on Canadian market
- IT Infrastructure
- Customer Satisfaction: While generally good, satisfaction is not at the top of the market.
Opportunities
- Expansion in the U.S. market
- Growing wealth management business
- Digital innovation
- Acquisitions
- Partnerships
Threats
- Increasing competition
- Rising interest rates
- Economic downturn
- Cybersecurity risks
- Geopolitical Instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- GS
Competitive Landscape
BMO is a strong competitor in the North American financial services market, but it faces significant competition from larger U.S. banks.
Major Acquisitions
Bank of the West
- Year: 2022
- Acquisition Price (USD millions): 16300
- Strategic Rationale: Expanded BMO's presence in the U.S. market.
Growth Trajectory and Initiatives
Historical Growth: BMO has experienced steady growth over the past years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for BMO, driven by its expansion in the U.S. and its focus on digital innovation.
Recent Initiatives: Recent initiatives include the acquisition of Bank of the West and investments in digital banking platforms.
Summary
Bank of Montreal (BMO) has a strong brand and diversified business model with a growing presence in the U.S. through acquisitions like Bank of the West. While it faces competition from larger US banks and is exposed to economic cycles, its solid financial performance and strategic initiatives position it for future growth. Continued focus on digital innovation and US market expansion are vital. Exposure to regulatory complexity and cybersecurity risks must be monitored closely.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
C
Citigroup Inc
C
Citigroup Inc
GS
Goldman Sachs Group Inc
GS
Goldman Sachs Group Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Financial data is based on publicly available information and analyst estimates.
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 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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