Bank of Montreal (BMO.TO) Buy, Sell or Hold

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Bank of Montreal (BMO.TO)

252.12

+1.35 (0.54%)

as of Jul 27, 2026, 8:00:00 pm Market Open.

1162 watching

Investor Insights

Jul 27, 2026, 12:00 am

This summary was created by AI, based on 15 opinions in the last 12 months.

The Bank of Montreal (BMO) has garnered mixed feedback from financial experts, reflecting a complex picture of its current performance and future outlook. Reviews praise its strong dividend history, diversified geographical presence, and stable asset growth, particularly in wealth management. Despite a favorable outlook for the Canadian banking sector characterized by a tightly regulated oligopoly, concerns about loan losses, especially in the U.S. market, linger. Some analysts are cautious, suggesting that while BMO may be a solid long-term hold, current market conditions warrant a more defensive investment strategy. Additionally, there's a sentiment of cautious optimism towards the potential for growth, but also a call for diversification amid current valuations deemed as premium rather than undervalued or a bargain.

Consensus

Cautious

Valuation

Overvalued

Similar

PAST TOP PICK

(A Top Pick Jul 09/21, Up 103%) Still a holder of BMO. Trimmed a little due to the valuation being quite high. Dividend yield is also being compressed. Investors are looking at banks for the anticipated dividend increases. Still owns it. When yields pop up to above 4%, they will buy back more.

DON'T BUY

BMO vs. RY He'd favour RY over BMO. BMO has a large franchise in the US midwest. RY is more active in the east and south. RY is better managed, and that's why it has a higher valuation. Won't go too far wrong owning RY. RY is well positioned with their US footprint, as well as being the largest and most dominant player in Canada.

BUY

Likes their US presence. The whole banking group will benefit as the economy improves. Canadian banks will likely release their reserves this year, which is a positive sign. When Covid passes, the banks will be allowed to raise dividends. This pays a fine dividend. A good long-term hold.

TOP PICK

The banks are all benefitting from market sensitive fees like investment banking and yield curve. They are trading at 10.3x 2022. A good risk-reward play. Balance sheet looks good. They will buy back their shares or increase their dividends in the coming months. (Analysts’ price target is $118.89)

PARTIAL BUY

Still positive on the banking sector. PE multiple is still attractive. Start picking at it and building a position.

TOP PICK

Boring but you don't need to make things harder than they need to be. Banks have been trading below their historical multiple. They tend to do well in recovery, higher interest rates and steepening yield curve. Banks haven't been able to increase dividends or buy back stocks but this should change soon. BMO has good business mix and has beat expectations consistently. Trading at 9.9x 2022 versus peers who are 0.5 multiple points higher. Price to growth, this stock makes a lot of sense. (Analysts’ price target is $116.17)

HOLD

He doesn't own this one, but hard-pressed to go too far wrong owning any of the big 6 banks. 4-5% dividend yield, which grows at high single digits most years. Credit losses are behind them. Net interest margins still under pressure, but banks earn their way through whatever the economy throws at them.

HOLD

All Canadian banks are good quality with good dividend growth.

WEAK BUY

Tough year for the banks. Q4 will be released in a few weeks, and you never know what you're going to get. Brighter days are ahead, and the market's already figured that out. BMO is not his favourite. Prefers National, TD, Royal. You'll do fine with the Canadian banks. Some concerns around fintech. Low interest rates will be a problem, but offset by recovering economy. Good time to add for dividend seekers.

DON'T BUY

Going forward, Canadian banks will face low interest rates for quite some time, as well as a struggling economy. Government won't allow mass credit losses. Banks will muddle along, you get your dividend. Not one of his favourite banks. He'd rather be in TD as his first choice.

BUY

You can buy any of the banks here in Canada. They have under-performed the general market. His favourites are RY-T and TD-T. He likes US banks right now, also.

TOP PICK

Banks are lining up to take massive loan losses due to the shutdown. He thinks we will see a recovery in stock values. He likes the exposure to the US. He likes the dividend and it offers a better opportunity in terms of getting into the market at this point. He thinks the banks are undervalued. (Analysts’ price target is $75.98)

DON'T BUY

At this particular point in time, he wouldn't put fresh capital in the bank sector. They are near their high. A good company but a little too rich. He would wait a few weeks or month to participate in any of the banks.

BUY

BNS vs. BMO He prefers BNS, though their last report disappointed. Their credit did hold up well; capital positions are strong. BMO just reported this morning. BNS pays a slightly higher yield. PB is identical. BNS will enjoy a better upside given its Latin American operations, whereas BMO is focussed on North America. Both are buys.

COMMENT

How big is their real estate exposure? A good bank for sure. Real Estate is studied internally to evaluate overall exposure. Don't worry too much about where they are concentrated, the banks have been doing this for over 170 years.

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Bank of Montreal (BMO.TO)