BMO · NYSE · STOCK
Bank of Montreal
$181.30
52W $112.21 – $184.21
69/100
$126.89B
19.3
1.15
Is BMO Bullish or Bearish?
Bullish.
Innellis AI committee rates Bank of Montreal (BMO) Buy with a composite score of 69/100
, based on 6 analysts with 67% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.25 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.75 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 115.3% yoy -- genuine top-line momentum. The main limiting factor is debt-to-equity of 2.88 adds balance-sheet risk to the value case. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.4x is a discount to asset value — Value
- Dividend yield of 2.7% pays you to wait — Value
- Revenue growing 115.3% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Debt-to-equity of 2.88 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 2.88) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
69/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 26%
of 209 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.4x is a discount to asset value
− Debt-to-equity of 2.88 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 115.3% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
57
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.88) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
74
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.50 across 2 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
58.8
Neutral
MACD Histogram
-0.142
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.67
Inside Bands
Price vs Moving Averages
EMA 9
$180.60
Above
EMA 21
$179.22
Above
EMA 50
$173.88
Above
EMA 200
$151.38
Above
Fundamental Analysis
Valuation
91
Profitability
45
Financial Health
14
Cash Flow
70
Valuation
P/E Ratio
19.3×
P/B Ratio
2.07×
PEG Ratio
0.92
Dividend Yield
2.65%
52W High
$184.21
52W Low
$112.21
Quality & Growth
ROE
989.1%
ROA
59.0%
Gross Margin
4474.1%
Operating Margin
1679.5%
Revenue Growth YoY
—
Debt / Equity
1.95
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 19.3 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; PEG ratio of 0.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.9%; Return on assets of 0.6%; Net margin of 12.6%; Gross margin of 44.7%; Current ratio of 0.48 (tight short-term liquidity); Debt-to-equity of 1.95; Free cash flow per share is positive (55.93); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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