US · BMO
Bank of Montreal
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Montreal, QC H2Y 1L6
- Website
- bmo.com
Price · as of 2025-10-31
$152.49
Market cap 102.03B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $206.10 | +35.16% |
| Intrinsic Value(DCF) | $83.19 | -45.45% |
| Graham-Dodd Method(GD) | $39.00 | -74.42% |
| Graham Formula(GF) | $65.20 | -57.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $31.57 | $36.23 | $23.04 | $15.70 | $110.90 |
| 2012 | $37.08 | $40.29 | $24.86 | $26.60 | $77.30 |
| 2013 | $40.17 | $44.64 | $26.98 | $20.40 | $51.00 |
| 2014 | $42.11 | $44.28 | $28.37 | $24.20 | $61.90 |
| 2015 | $34.61 | $128.74 | $15.53 | $24.90 | $57.10 |
| 2016 | $51.25 | $118.89 | $36.18 | $27.60 | $78.20 |
| 2017 | $59.08 | $150.07 | $29.02 | $36.70 | $96.80 |
| 2018 | $51.80 | $170.28 | $33.35 | $29.90 | $137.00 |
| 2019 | $59.89 | $205.85 | $39.78 | $34.70 | $165.40 |
| 2020 | $63.90 | $192.75 | $38.94 | $40.70 | $0.00 |
| 2021 | $95.36 | $237.16 | $47.97 | $51.10 | $25.40 |
| 2022 | $83.48 | $221.81 | $63.56 | $101.90 | $325.20 |
| 2023 | $89.91 | $214.06 | $1,683.18 | $41.30 | $388.20 |
| 2024 | $94.22 | $236.60 | $2,637.78 | $45.70 | $165.90 |
| 2025 | $132.58 | $287.97 | $640.64 | $39.00 | $65.20 |
AI valuation
Our deep-learning model estimates Bank of Montreal's (BMO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $206.10
- Current price
- $152.49
- AI upside
- +35.16%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$83.19
-45.45% upside
Graham-Dodd
$39.00
-74.42% upside
Graham Formula
$65.20
-57.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BMO | Bank of Montreal | $152.49 | 102.03B | +89% | -45% | -74% | -57% | 15.33 | 1.52 | 1.71 | 32.39 | 75.53 | 2.01 | 41.56% | 14.78% | 11.14% | 10.13% | 2.35% | 0.60% | 4.72 | 0.27 | 0.14 | 0.14 | 25.12 | 2029.00% | -52.00% | -6901.00% | 6.36% | 0.01 | 2.29% | 3.76% | 57.70% | 6.30% | 38.51 | 52.26 | 5.69 | -0.60 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| BNS | The Bank of Nova Scotia | $75.75 | 94.39B | +216% | +13% | -78% | +787% | 16.20 | 1.45 | 1.72 | 43.06 | — | 1.78 | 44.25% | 14.36% | 10.64% | 9.17% | 2.05% | 0.54% | 5.80 | 0.29 | 0.12 | 0.12 | 36.16 | -290.00% | 14820.00% | -6663.00% | 4.03% | 0.01 | 1.34% | 4.68% | 75.70% | 5.39% | 49.63 | 103.08 | 7.13 | -0.59 |
| CM | Canadian Imperial Bank of… | $100.96 | 94.12B | +88% | -45% | -69% | -68% | 14.03 | 1.85 | 1.91 | 31.49 | 79.17 | 2.13 | 43.02% | 17.64% | 13.59% | 13.76% | 2.77% | 0.78% | 5.55 | 0.33 | 0.13 | 0.13 | 24.76 | 1772.00% | -314.00% | -34456.00% | -20.62% | -0.03 | -8.00% | 3.37% | 47.20% | 5.96% | 34.89 | -15.61 | 6.15 | -0.59 |
| ING | ING Groep N.V. | $28.77 | 83.22B | +114% | -32% | +11% | — | 11.31 | 1.44 | 3.11 | 14.71 | 39.70 | 1.48 | 94.34% | 39.71% | 27.47% | 12.65% | 6.01% | 0.61% | 3.41 | — | 0.13 | 0.13 | 12.73 | 2848.00% | -6531.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 14.71 | — | 5.84 | -0.72 |
| MFG | Mizuho Financial Group, I… | $8.87 | 109.55B | -49% | +18% | -39% | -10% | 8.85 | 1.01 | 1.22 | -8.64 | 28.79 | 1.09 | 41.79% | 13.84% | 10.30% | 11.51% | -11.15% | 0.42% | 5.83 | 0.24 | 0.39 | 0.39 | -8.31 | 3072.00% | 947.00% | -35589.00% | -39.57% | -0.02 | 52.27% | 2.89% | 25.60% | 3.87% | -10.14 | 2.90 | -1.40 | -0.48 |
| MMC | Marsh & McLennan Companie… | $182.70 | 89.82B | +12% | -31% | — | -30% | 28.05 | 8.54 | 4.66 | 19.25 | 324.96 | -7.70 | 42.78% | 23.78% | 16.60% | 31.80% | 15.31% | 7.77% | 1.64 | 8.31 | 1.13 | 0.49 | 2.81 | 863.00% | 757.00% | 375.00% | 3.50% | 0.22 | 13.97% | 1.33% | 37.30% | 2.12% | 22.92 | 33.45 | 5.45 | 3.05 |
| NU | Nu Holdings Ltd. | $14.98 | 72.38B | +125% | +3,767% | -65% | +95% | 25.59 | 6.50 | 4.62 | 24.39 | 56.86 | 7.14 | 44.85% | 24.36% | 18.07% | 30.30% | 28.60% | 4.59% | 3.34 | 0.84 | 0.40 | 0.40 | 6.81 | 4500.00% | 4299.00% | 28226.00% | 11.58% | 0.24 | 84.64% | 0.00% | 0.00% | 0.00% | 25.03 | 11.39 | 6.10 | 0.85 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| UBS | UBS Group AG | $41.43 | 130.91B | +65% | -41% | -13% | — | 16.88 | 1.15 | 1.76 | 5.25 | 73.30 | 1.25 | 63.65% | 11.89% | 10.43% | 7.02% | 5.01% | 0.39% | 3.82 | 0.33 | 0.42 | 0.42 | 14.12 | 2303.00% | -2043.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.14 | — | 0.85 | -0.27 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Bank of Montreal
Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment advice services; and commercial banking products and services comprise business deposit accounts, commercial credit cards, business loans and commercial mortgages, cash management solutions, foreign exchange, specialized banking programs, treasury and payment solutions, and risk management products for small business and commercial banking customers. It also offers investment and wealth advisory services; digital investing services; financial services and solutions; and investment management, and trust and custody services. In addition, the company provides life insurance, accident and sickness insurance, and annuity products; creditor and travel insurance to bank customers; and reinsurance solutions. Further, it offers client's debt and equity capital-raising services, as well as loan origination and syndication, and treasury management; strategic advice on mergers and acquisitions, restructurings, and recapitalizations, as well as valuation and fairness opinions; and trade finance, risk mitigation, and other operating services. Additionally, the company provides research and access to markets for institutional, corporate, and retail clients; trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities; new product development and origination services, as well as risk management advice and services to hedge against fluctuations; and funding and liquidity management services to its clients. It operates through approximately 900 bank branches and 3,300 automated banking machines in Canada and the United States. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
- CEO
- William Darryl White
- Employees
- 53.6K
- Beta
- 1.20
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($83.19 ÷ $152.49) − 1 = -45.45% (DCF, example).