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BMO vs ING
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. ING Groep (ING) Stock Comparison
Key Takeaways
- BMO (Bank of Montreal) is a North American diversified lender, while ING (ING Groep) is a European retail and wholesale bank centered on the Benelux region.
- Both institutions entered the recent period with strong capital positions, reporting Common Equity Tier 1 (CET1) ratios—a key measure of bank solvency—near or above 13%.
- ING delivered a third consecutive year of record total income and a notably higher Return on Equity (ROE), while BMO posted record annual net income and accelerating earnings momentum.
- BMO carries greater exposure to Canadian and U.S. credit cycles, whereas ING's profile is tied to European interest rates, deposit margins, and customer-balance growth.
- For more detail on each name, explore BMO Major News and BMO Today's Price Move, along with ING Major News and ING Today's Price Move.
- To see how algorithmic strategies are positioning across these and other tickers, visit the Trending AI Robots section.
Introduction
Investors weighing international banking exposure often compare BMO and ING because they represent two distinct regional franchises within the same broad industry. Bank of Montreal is a North American institution spanning Canadian personal and commercial banking, wealth management, and a growing U.S. platform. ING Groep is a digital-first European bank with leadership across the Netherlands, Belgium, and Germany. This stock comparison is most relevant for income-oriented and value-focused investors, as well as those seeking geographic diversification across developed banking markets. Evaluating relative performance, capital strength, and growth drivers helps clarify how each name is positioned in the current market environment.
BMO Overview and Recent Performance
BMO operates through four core segments: Canadian personal and commercial banking, U.S. banking, wealth management, and capital markets. Over recent quarters, the bank has emphasized balance-sheet optimization, disciplined expense management, and a digital-first, artificial-intelligence-driven operating strategy. In its latest full fiscal year, BMO reported record net income, driven by broad revenue growth and a lower Provision for Credit Losses (PCL), the reserve banks set aside for loans that may go bad.
Sentiment has been supported by an improved Net Interest Margin (NIM)—the spread between interest earned on loans and paid on deposits—and rising return on equity, which reached roughly 11% for the year. The company also announced the sale of 138 U.S. branches in markets where it lacked scale, while planning to add new branches in higher-opportunity areas. Partially offsetting these positives, BMO has flagged a softer Canadian economic backdrop, including rising credit-card delinquency rates and trade uncertainty, which warrant close monitoring.
ING Overview and Recent Performance
ING is one of Europe's largest banks, focused primarily on retail banking across the Benelux region and Germany, alongside a wholesale banking division. The company has built its model around mobile-first customer acquisition, scalable technology, and steady growth in fee income. In its most recent full year, ING reported record total income for a third consecutive year, with net interest income (NII)—the core revenue from lending activities—supported by customer-balance growth even as lending margins normalized.
Fee income grew at a double-digit pace and now accounts for about one-fifth of total income, reflecting diversification beyond interest revenue. ING's return on equity of roughly 13% exceeded management's target, and the bank announced additional shareholder distributions alongside an ongoing share-buyback program. Management has guided to higher income and return targets for the following two years. Key watch items include deposit-versus-loan mix pressure, restructuring costs tied to headcount reductions, and sensitivity to European rate policy.
Trending AI Robots
Tickeron's Trending AI Robots page highlights a curated selection of algorithmic trading bots drawn from a much larger library of hundreds of AI trading robots that collectively trade thousands of tickers. Only the strategies judged most suitable for current market conditions earn a place in this section. Each bot differs in trading style, strategy, timeframe, performance history, statistics, and the specific set of tickers it trades, allowing traders to match an approach to their own risk tolerance and objectives. Exploring this page can help investors see how data-driven systems are currently positioning across names like BMO and ING, and how those signals compare with traditional fundamental analysis.
Head-to-Head Comparison
While both are large, well-capitalized banks, their business models diverge sharply. BMO blends Canadian retail dominance with a wealth-management franchise and a restructuring U.S. banking arm, making it more sensitive to North American credit cycles and cross-border trade dynamics. ING is a leaner, digitally focused operator whose fortunes hinge on European deposit behavior, fee-generation momentum, and the path of eurozone interest rates.
On growth drivers, ING has leaned on customer acquisition and fee diversification, while BMO has emphasized margin expansion, expense discipline, and capital markets strength. On momentum, ING's share price advanced sharply over the prior year, reflecting strong returns and distributions, whereas BMO's gain, though meaningful, was more moderate against a backdrop of Canadian economic softness. Risk profiles also differ: BMO faces consumer-credit deterioration in Canada, while ING must manage margin normalization and restructuring-related costs in Europe.
Tickeron AI Verdict
Based on observable trend consistency, return momentum, and capital-generation capacity, Tickeron's AI would currently lean toward ING. The bank's combination of record income, a higher return on equity, robust fee growth, and an upwardly revised outlook presents a more coherent near-term trend signal. That said, the verdict is probabilistic rather than definitive: BMO offers a more diversified North American franchise and a credible earnings-recovery narrative that could strengthen if credit conditions stabilize. Algorithmic rankings can shift as price action, volatility, and catalysts evolve.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BMO is a StrongBuy and ING is a Buy.
BMO in upward trend: price rose above 50-day moving average on October 27, 2026
BMO moved above its 50-day moving average on October 27, 2026 date and that indicates a change from a downward trend to an upward trend. In 22 of 34 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 65%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 16, 2026. You may want to consider a long position or call options on BMO as a result. In 38 of 65 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 58%.
The Moving Average Convergence Divergence (MACD) for BMO just turned positive on October 15, 2026. Looking at past instances where BMO's MACD turned positive, the stock continued to rise in 26 of 45 cases over the following month. The odds of a continued upward trend are 58%.
The 10-day moving average for BMO crossed bullishly above the 50-day moving average on October 30, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 47%.
Following a +2.18% 3-day Advance, the price is estimated to grow further. Considering data from situations where BMO advanced for three days, in 206 of 384 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
The Aroon Indicator entered an Uptrend today. In 162 of 328 cases where BMO Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 49%.
Bearish Trend Analysis
The 10-day RSI Indicator for BMO moved out of overbought territory on October 30, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 40 similar instances where the indicator moved out of overbought territory. In 19 of the 40 cases, the stock moved lower in the following days. This puts the odds of a move lower at 47%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 37 of 62 cases where BMO's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BMO declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 56%.
BMO broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 3 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 29 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock worse than average.
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. BMO’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 58 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 66 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.400) is normal, around the industry mean (1.500). P/E Ratio (13.902) is within average values for comparable stocks, (11.703). Projected Growth (PEG Ratio) (1.518) is also within normal values, averaging (2.139). Dividend Yield (0.029) settles around the average of (0.035) among similar stocks. P/S Ratio (4.411) is also within normal values, averaging (3.867).
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
ING's RSI Oscillator climbs out of oversold territory
The RSI Oscillator for ING moved out of oversold territory on November 04, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 26 similar instances when the indicator left oversold territory. In 21 of the 26 cases the stock moved higher. This puts the odds of a move higher at 81%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 53 cases where ING's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 70%.
The Moving Average Convergence Divergence (MACD) for ING just turned positive on November 04, 2026. Looking at past instances where ING's MACD turned positive, the stock continued to rise in 32 of 43 cases over the following month. The odds of a continued upward trend are 74%.
Following a +1.73% 3-day Advance, the price is estimated to grow further. Considering data from situations where ING advanced for three days, in 253 of 365 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
ING may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on November 06, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on ING as a result. In 35 of 73 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 48%.
ING moved below its 50-day moving average on October 01, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for ING crossed bearishly below the 50-day moving average on October 06, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 69%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ING declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 52%.
The Aroon Indicator for ING entered a downward trend on November 06, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 5 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 21 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is 55 (best 1 - 100 worst), indicating fairly steady price growth. ING’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 79 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.803) is normal, around the industry mean (1.500). P/E Ratio (13.775) is within average values for comparable stocks, (11.703). Projected Growth (PEG Ratio) (2.140) is also within normal values, averaging (2.139). Dividend Yield (0.052) settles around the average of (0.035) among similar stocks. P/S Ratio (3.874) is also within normal values, averaging (3.867).
BMO | ING | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 67 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 79 Overvalued | |
PROFIT vs RISK RATING 1..100 | 29 | 5 | |
SMR RATING 1..100 | 3 | 4 | |
PRICE GROWTH RATING 1..100 | 43 | 55 | |
P/E GROWTH RATING 1..100 | 58 | 21 | |
SEASONALITY SCORE 1..100 | 85 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BMO's Valuation (66) in the Major Banks industry is in the same range as ING (79) in the Financial Conglomerates industry. This means that BMO’s stock grew similarly to ING’s over the last 12 months.
ING's Profit vs Risk Rating (5) in the Financial Conglomerates industry is in the same range as BMO (29) in the Major Banks industry. This means that ING’s stock grew similarly to BMO’s over the last 12 months.
BMO's SMR Rating (3) in the Major Banks industry is in the same range as ING (4) in the Financial Conglomerates industry. This means that BMO’s stock grew similarly to ING’s over the last 12 months.
BMO's Price Growth Rating (43) in the Major Banks industry is in the same range as ING (55) in the Financial Conglomerates industry. This means that BMO’s stock grew similarly to ING’s over the last 12 months.
ING's P/E Growth Rating (21) in the Financial Conglomerates industry is somewhat better than the same rating for BMO (58) in the Major Banks industry. This means that ING’s stock grew somewhat faster than BMO’s over the last 12 months.
| BMO | ING | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 47% | 3 days ago 81% |
| Stochastic ODDS (%) | 3 days ago 60% | 3 days ago 70% |
| Momentum ODDS (%) | 3 days ago 58% | 3 days ago 48% |
| MACD ODDS (%) | 3 days ago 58% | 3 days ago 74% |
| TrendWeek ODDS (%) | 3 days ago 56% | 3 days ago 69% |
| TrendMonth ODDS (%) | 3 days ago 53% | 3 days ago 51% |
| Advances ODDS (%) | 11 days ago 54% | 12 days ago 69% |
| Declines ODDS (%) | 3 days ago 56% | 3 days ago 52% |
| BollingerBands ODDS (%) | 3 days ago 49% | 3 days ago 71% |
| Aroon ODDS (%) | 3 days ago 49% | 3 days ago 47% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BMO’s FA Score shows that 2 FA rating(s) are green while ING’s FA Score has 3 green FA rating(s).
- BMO’s FA Score: 2 green, 3 red.
- ING’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BMO’s TA Score shows that 6 TA indicator(s) are bullish while ING’s TA Score has 5 bullish TA indicator(s).
- BMO’s TA Score: 6 bullish, 4 bearish.
- ING’s TA Score: 5 bullish, 5 bearish.
Price Growth
BMO (@Major Banks) experienced а 0.00% price change this week, while ING (@Major Banks) price change was +1.14% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.31%. For the same industry, the average monthly price growth was -0.72%, and the average quarterly price growth was +7.30%.
Reported Earning Dates
BMO is expected to report earnings on Dec 02, 2026.
ING is expected to report earnings on Jan 28, 2027.
Industries' Descriptions
@Major Banks (+0.31% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
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BMO and
Correlation & Price change
A.I.dvisor indicates that over the last year, BMO has been closely correlated with RY. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if BMO jumps, then RY could also see price increases.
ING and
Correlation & Price change
A.I.dvisor indicates that over the last year, ING has been closely correlated with BCS. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if ING jumps, then BCS could also see price increases.
| Ticker / NAME | Correlation To ING | 1D Price Change % | ||
|---|---|---|---|---|
| ING | 100% | -2.48% | ||
| BCS - ING | 79% Closely correlated | -2.15% | ||
| BBVA - ING | 77% Closely correlated | -1.96% | ||
| HSBC - ING | 76% Closely correlated | -0.58% | ||
| SAN - ING | 74% Closely correlated | -2.25% | ||
| UBS - ING | 67% Closely correlated | -2.03% | ||
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