Is BMO stock a Buy, Sell, or Hold?

Based on our analysis, BMO is currently a HOLD with moderate confidence. 📊 HOLD: BMO is fairly valued with market pricing in 3.5% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of BMO stock?

Our analysis estimates the fair value range for BMO to be between $177.84 and $183.12. The current price is $174.43.

What is the analyst price target for BMO?

The average Wall Street analyst price target for BMO is $168.94. This implies a potential upside of -3.1% from current levels.

BMO Stock Analysis: Buy, Sell, or Hold?

BMO - Bank of Montreal

COMMERCIAL BANKS, NEC

$174.43

1.53 (0.88%) ▲

5d: -6.12%

30d: -1.25%

90d: +9.2%

HOLD

MODERATE Confidence

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Analysis Updated: Aug 21, 2026 12:00 AM ET

Earnings: Aug 25, 2026 1d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 21, 2026 at $174.43 · last confirmed Aug 21, 2026

Strength: 5.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: BMO is fairly valued with market pricing in 3.5% annual growth. Fine to hold or accumulate slowly on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 12.1%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$230.07

Based on 8.1% avg growth

INTRINSIC VALUE TODAY

$142.85

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: BMO is currently trading at $174.43, which is considered oversold relative to its 30-day fair value range of $177.84 to $183.12. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.7) compared to its historical average (9.6). At these levels, the market is pricing in 3.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, BMO is in a strong uptrend. The price is currently testing key support at $171.77. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock scores a mixed 42/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $177.84 - $183.12

Company Quality Score 56/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 75.7%

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All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (42/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($168.94)
NEUTRAL: Market pricing in 3.5% annual earnings growth - fairly valued
NEUTRAL: Bottoming setup forming (42/100) — watch for confirmation
CAUTION: 5-day price weakness (-6.1%) - monitor closely

Trading Range Analysis

30-Day Trading Range $177.84 - $183.12

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $171.77

Resistance Level $187.22

Current Trend Strong Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.70

Wall Street Target $168.94 (-3.1%)

Revenue Growth (YoY) 15.8%

Earnings Growth (YoY) 41.2%

Profit Margin 28.1%

Valuation Premium vs History +3.5% premium

PE vs Historical 10.7 vs 9.6 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +3.5% (market-implied from PE analysis)

1-Year Target $180.54 (+4%)

2-Year Target $186.85 (+7%)

3-Year Target $193.39 (+11%)

3-Yr Target (if PE normalizes) (PE: 11→10) PE COMPRESSION $173.50 (-1%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 12.1%) $460.72 (+164%)

Base: (SPY PE: 10.7, Growth: 12.1%) $245.64 (+41%)

Bear: (PE: 9.1, Growth: 12.1%) $208.79 (+20%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (11x PE) as earnings recover.

Trailing PE: 18.73 | Current EPS (TTM): $9.23

Bull Case $335.90 (+93%)

Analyst growth 76.6%, PE expands to 20.6

Base Case $305.36 (+75%)

Market implied 76.6%, PE stable at 18.7

Bear Case $117.57 (-33%)

Severe decline -20.0%, PE contracts to 15.9

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: August 23, 2026 1:29 AM ET
Data refreshes hourly during market hours. Next update: 2:29 AM

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Insider Activity (6 Months)

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