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BMBMO

Bank of Montreal

$BMO·$114B·Banks - Diversified·Financial Services
$168.03+1.2%YTD+27.6%1Y+29.5%
Price updated 11m ago·X counts updated 5d ago
BMBMO
$BMOBank of Montreal
$168.03+1.19%46 posts1.2×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $BMO on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

46X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1.2×
QuietNormal · 1×Loud

How loud $BMO's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 91% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data6 posts analyzed · as of 2026-09-02

Bank of Montreal's Q3 capital markets are $649M (+45%), wealth +22%, Canadian personal & commercial +15%, and US banking +11%, with one segment (Corporate Services) going backwards on a charge tied to selling the Transportation Finance business. BMO has paid dividends for nearly 200 years and sits +50% one-year alongside the four other Big Canadian Banks. Community reads it as record-of-strength stock.

Read what X is saying about $BMO

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $BMO — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-02

The move is getting stronger, with heavier trading behind it.

Canadian big-six bank with Q2 revenue +0.2% YoY, 18% operating margin, up 28% YTD and a new 60-year AT1 NVCC capital-note offering.

Bank of Montreal operates Canadian and US personal/commercial banking, wealth management and capital markets, so earnings grow with deposit volumes, net-interest margin recovery and segment-level operating leverage.

  • Q2 FY26 revenue $19.28B, +0.2% YoY with 18.1% operating margin; prior four quarters: -6%, -2%, -5%, +0.2% — revenue just turned positive after four quarters of decline
  • TTM: 18x earnings, 2.2x sales, 11% ROE, 45% gross margin, 17% operating margin, FCF yield 23%, debt-to-equity 1.95 — big-bank economics
  • FY26 (ending Oct) estimate: $39.0B revenue, $14.74 EPS; FY27 $40.8B, $16.42 EPS — modeling LSD growth with EPS compounding
  • YTD +28%, trailing-12m +27% at $166.30 against a $120.7B market cap
  • Sep 8: filed 424B5 for Limited Recourse Capital Notes maturing 2086 — 60-year AT1 NVCC-compliant capital
  • Q3 capital markets +45% to $649M; wealth +22%; Canadian P&C +15%; US P&C +11%; dividends ~200 years

The segment-level data shows the operating story clearly: capital markets +45%, wealth +22%, Canadian P&C +15%, US P&C +11% — the group revenue is flat only because Corporate Services took a Transportation Finance divestiture charge. The underlying business is accelerating.

Agrees with X sentimentX cites Q3 capital markets $649M (+45%), wealth +22%, Canadian P&C +15%, US P&C +11%, with Corporate Services going backwards on the Transportation Finance sale charge. BMO's ~200-year dividend record and +50% one-year performance alongside the other Big Canadian Banks is framed as record-of-strength. The attention aligns with the segment acceleration behind the flat group print.

What to watch: Dec 2 Q4 earnings and FY27 outlook — whether the segment-level acceleration translates into clean group-level revenue growth or Corporate Services divestiture charges continue to mask the operating step-up.

On the calendar: 2026-12-02 Q4 earnings

Read the AI verdict on $BMO

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Bank of Montreal is Canada's fourth-largest bank by assets, with significant U.S. retail banking after acquiring Bank of the West.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $BMO.

Banks - Diversified · Financial Services

No material change from last week — Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers.

What this means for $BMO

Neutral — Bank of Montreal is Canada's fourth-largest bank by assets, with significant U.S. retail banking after acquiring Bank of the West.

Top industry ETF

$KBESPDR S&P Bank ETF
+3.6%YTD
+9.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
18.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
16.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
23.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
11.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
44.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.9Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 25, 2026$2.84$2.71+4.8%
Q1 2026May 27, 2026$2.68$2.54+5.5%
Q4 2025Feb 25, 2026$2.51$2.35+6.8%
Q3 2025Dec 4, 2025$2.36$2.16+9.3%
Next earningsWed, Dec 2·consensus EPS $2.62

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$19.3B+0.2%45.6%18.1%$3.50$8.6B
Q1 FY26$19.3B-5.5%46.9%17.2%$3.39$1.4B
Q4 FY25$19.3B-2.4%44.1%15.7%$2.94$12.3B
Q3 FY25$19.2B-6.2%42.5%16.1%$3.14$-4.6B

Forward consensus

3-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$38.7B$38.6B – $38.9B$14.65$14.60 – $14.757
FY27$40.6B$40.5B – $40.6B$16.32$16.23 – $16.378
FY28$43.2B$42.2B – $43.9B$17.96$17.19 – $18.615

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.69%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-3.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+5.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 694.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.125-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Sep 8424B5
AI summary

Bank of Montreal (BMO) filed a preliminary 424B5 prospectus supplement for an offering of Limited Recourse Capital Notes (AT1 NVCC-compliant capital) maturing September 10, 2086 -- a 60-year tenor. The notes carry a fixed-to-floating rate structure. Pricing terms were marked as preliminary and subject to change. Proceeds support regulatory capital requirements.

+ 51 other (19 6-Ks · 15 13Gs · 6 CERTs · 6 8-A12Bs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Lobe Sciences Appoints Annette Grimaldi, Former Head of Life Sciences Investment Banking at BMO Capital Markets, to Board of Directorsaccessnewswire.com·2d agoBMO's Davis Says 30-Year Treasury Yields Will Hit 6%youtube.com·11d agoBMO Becomes First Canadian Issuer to Deploy Mastercard Embedded Commercial Paymentspymnts.com·15d agoContrasting Independent Bank (NASDAQ:INDB) and Bank Of Montreal (NYSE:BMO)defenseworld.net·18d agoBank Of Montreal (NYSE:BMO) and MidWestOne Financial Group (NASDAQ:MOFG) Head to Head Reviewdefenseworld.net·19d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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