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BMO vs JPM
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. JPMorgan Chase (JPM) Stock Comparison
Key Takeaways
- Scale and footprint differ sharply: JPM is the largest U.S. bank by assets, while BMO is a mid-sized North American bank earning roughly 60% of its income in Canada and 40% in the United States.
- Both posted strong recent earnings: JPMorgan delivered record quarterly profit, while Bank of Montreal reported sharply higher adjusted earnings per share (EPS) year over year.
- Different growth engines: JPM's momentum is concentrated in investment banking and trading, whereas BMO's strength has come from capital markets, wealth management, and U.S. banking.
- Relative performance favors BMO year to date: BMO shares have risen sharply, though both names have pulled back from recent highs in recent weeks.
- Risk profiles differ: JPM carries a larger, more diversified global balance sheet, while BMO is more exposed to Canadian consumer credit and cross-border trade dynamics.
- Sentiment remains constructive on both: neither stock is uniformly favored, making the comparison a study in scale versus relative momentum.
Introduction
Investors comparing BMO and JPM are weighing two very different ways to own North American banking. Bank of Montreal offers a diversified Canadian-and-U.S. franchise with a meaningful recent re-rating, while JPMorgan Chase provides global scale, an industry-leading capital markets business, and a premium valuation. This stock comparison is most relevant for traders and investors deciding between a large-cap U.S. money-center bank and a smaller, faster-moving North American peer. By examining recent performance, market positioning, and observable momentum, readers can better understand how these two institutions compare in the current market environment.
BMO Overview and Recent Performance
BMO, or Bank of Montreal, operates personal and commercial banking, wealth management, and capital markets businesses across Canada and the United States. Its geographic mix leans on Canada, with a growing U.S. presence built through acquisitions. In recent market activity, BMO shares have been among the stronger performers in the Canadian banking sector, rising more than 30% year to date before cooling modestly in recent weeks as investors digested a wave of debt and capital issuance.
Recent fundamentals have reinforced that strength. The bank reported a roughly 40% year-over-year increase in adjusted EPS, supported by an adjusted return on equity (ROE, a measure of profitability relative to shareholder capital) in the low-teens and a Common Equity Tier 1 (CET1) ratio — a key regulatory capital buffer — of 13.0%. Capital markets and wealth management were standout segments. Management also announced a share repurchase program of up to 25 million shares and continued reshaping the business, including an agreement to sell its transportation and vendor finance operations and a planned acquisition of an Australian capital markets franchise. Sentiment has been influenced by strong fee income and improving credit quality, though an elevated price-to-earnings (P/E) multiple and higher expenses have kept some investors cautious.
JPM Overview and Recent Performance
JPM, or JPMorgan Chase, is the largest U.S. bank by assets and one of the most diversified global financial institutions, spanning consumer and community banking, commercial and investment banking, and asset and wealth management. In recent market activity, the stock reached a 52-week high before pulling back, with a year-to-date gain in the low double digits — a solid but more modest advance than BMO's.
Operationally, JPMorgan has delivered exceptional results. It posted record quarterly net income of $21.2 billion, up roughly 41% year over year, with revenue climbing about 28%. The Corporate and Investment Bank was the primary engine, as markets revenue rose 35% and equity-trading revenue jumped 86%. Investment-banking fees increased about 30% to their highest level in years, helped by a rebound in initial public offerings (IPOs) and mergers and acquisitions (M&A). Assets under management (AUM) crossed $5 trillion for the first time. The firm's CET1 ratio stood near 14.1%, well above regulatory minimums. Sentiment has been tempered, however, by a raised full-year expense forecast and cautious public comments from leadership about geopolitical tensions, inflation, and credit conditions.
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Head-to-Head Comparison
The most fundamental contrast between BMO and JPM is scale and diversification. JPMorgan's balance sheet is multiples larger, with a globally diversified revenue base and a dominant investment-banking and trading franchise that gives it outsized leverage to capital-markets activity. BMO is more concentrated in Canadian and U.S. commercial and personal banking, with a faster-growing but smaller capital markets arm.
Growth drivers also diverge. JPM's recent earnings surge has been powered by trading, underwriting, and M&A advisory fees, whereas BMO's improvement has come from fee revenue in wealth management and capital markets plus stabilizing credit in its U.S. business. On relative performance, BMO has outpaced JPM year to date, reflecting a stronger re-rating, but it also trades at a premium P/E multiple relative to its own history and North American banking peers.
Risk factors differ as well. JPM carries exposure to global credit cycles, geopolitical instability, and regulatory scrutiny of the largest U.S. banks. BMO is more sensitive to Canadian household leverage, mortgage renewals, and U.S.-Canada trade policy. Market sentiment currently rewards both, but for different reasons: JPM for earnings quality and franchise strength, and BMO for momentum and improving return on equity.
Tickeron AI Verdict
Based on observable trend consistency, stability, and relative positioning, Tickeron's AI would likely favor JPM on stability and franchise quality, given its record earnings, fortress capital position, and diversified revenue streams. At the same time, BMO has shown stronger recent relative momentum and improving profitability, which trend-following models tend to reward. A probabilistic assessment suggests JPM holds the edge in consistency and downside resilience, while BMO offers more near-term momentum but trades at a richer valuation with greater exposure to Canadian credit and trade dynamics. The balance of observable factors currently tilts modestly toward JPM for trend consistency and stability, though the outcome depends heavily on the timeframe and risk tolerance a given strategy is designed to capture.
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 JPM is a Buy.
BMO's RSI Indicator climbs out of oversold territory
The RSI Indicator for BMO moved out of oversold territory on October 09, 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 35 similar instances when the indicator left oversold territory. In 24 of the 35 cases the stock moved higher. This puts the odds of a move higher at 69%.
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 37 of 66 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 56%.
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 28 of 46 cases over the following month. The odds of a continued upward trend are 61%.
Following a +2.67% 3-day Advance, the price is estimated to grow further. Considering data from situations where BMO advanced for three days, in 206 of 385 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 156 of 327 cases where BMO Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 48%.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 3 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
BMO moved below its 50-day moving average on September 22, 2026 date and that indicates a change from an upward trend to a downward trend.
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 55%.
BMO broke above its upper Bollinger Band on October 21, 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 32 (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 47 (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 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 PE Growth Rating for this company is 55 (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 67 (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 (1.370) is normal, around the industry mean (1.514). P/E Ratio (13.604) is within average values for comparable stocks, (11.734). Projected Growth (PEG Ratio) (1.518) is also within normal values, averaging (2.139). Dividend Yield (0.029) settles around the average of (0.034) among similar stocks. P/S Ratio (4.411) is also within normal values, averaging (3.867).
JPM sees its Stochastic Oscillator ascending out of oversold territory
On October 07, 2026, the Stochastic Oscillator for JPM moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 54 instances where the indicator left the oversold zone. In 42 of the 54 cases the stock moved higher in the following days. This puts the odds of a move higher at over 78%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where JPM's RSI Indicator exited the oversold zone, 19 of 28 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 68%.
The Momentum Indicator moved above the 0 level on October 14, 2026. You may want to consider a long position or call options on JPM as a result. In 51 of 82 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
The Moving Average Convergence Divergence (MACD) for JPM just turned positive on October 12, 2026. Looking at past instances where JPM's MACD turned positive, the stock continued to rise in 30 of 48 cases over the following month. The odds of a continued upward trend are 62%.
Following a +1.32% 3-day Advance, the price is estimated to grow further. Considering data from situations where JPM advanced for three days, in 217 of 362 cases, the price rose further within the following month. The odds of a continued upward trend are 60%.
Bearish Trend Analysis
JPM moved below its 50-day moving average on September 16, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for JPM crossed bearishly below the 50-day moving average on September 18, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 5 of 14 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 36%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where JPM 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 59%.
JPM broke above its upper Bollinger Band on October 16, 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.
The Aroon Indicator for JPM entered a downward trend on October 12, 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 1 (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 9 (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 45 (best 1 - 100 worst), pointing to consistent 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 Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. JPM’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 90 (best 1 - 100 worst) indicates that the company is significantly 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: JPM's P/B Ratio (2.521) is slightly higher than the industry average of (1.514). P/E Ratio (14.340) is within average values for comparable stocks, (11.734). Projected Growth (PEG Ratio) (1.562) is also within normal values, averaging (2.139). Dividend Yield (0.020) settles around the average of (0.034) among similar stocks. P/S Ratio (4.888) is also within normal values, averaging (3.867).
BMO | JPM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 6 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 67 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 32 | 9 | |
SMR RATING 1..100 | 3 | 1 | |
PRICE GROWTH RATING 1..100 | 47 | 50 | |
P/E GROWTH RATING 1..100 | 55 | 45 | |
SEASONALITY SCORE 1..100 | 50 | n/a |
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 (67) in the Major Banks industry is in the same range as JPM (90). This means that BMO’s stock grew similarly to JPM’s over the last 12 months.
JPM's Profit vs Risk Rating (9) in the Major Banks industry is in the same range as BMO (32). This means that JPM’s stock grew similarly to BMO’s over the last 12 months.
JPM's SMR Rating (1) in the Major Banks industry is in the same range as BMO (3). This means that JPM’s stock grew similarly to BMO’s over the last 12 months.
BMO's Price Growth Rating (47) in the Major Banks industry is in the same range as JPM (50). This means that BMO’s stock grew similarly to JPM’s over the last 12 months.
JPM's P/E Growth Rating (45) in the Major Banks industry is in the same range as BMO (55). This means that JPM’s stock grew similarly to BMO’s over the last 12 months.
| BMO | JPM | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 69% | 1 day ago 68% |
| Stochastic ODDS (%) | 1 day ago 59% | 1 day ago 78% |
| Momentum ODDS (%) | 1 day ago 56% | 1 day ago 62% |
| MACD ODDS (%) | 1 day ago 61% | 1 day ago 63% |
| TrendWeek ODDS (%) | 1 day ago 56% | 1 day ago 53% |
| TrendMonth ODDS (%) | 1 day ago 55% | 1 day ago 50% |
| Advances ODDS (%) | 1 day ago 54% | 6 days ago 60% |
| Declines ODDS (%) | 14 days ago 55% | 22 days ago 59% |
| BollingerBands ODDS (%) | 1 day ago 49% | 1 day ago 47% |
| Aroon ODDS (%) | 1 day ago 48% | 1 day ago 57% |
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 JPM’s FA Score has 2 green FA rating(s).
- BMO’s FA Score: 2 green, 3 red.
- JPM’s FA Score: 2 green, 3 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 5 TA indicator(s) are bullish while JPM’s TA Score has 5 bullish TA indicator(s).
- BMO’s TA Score: 5 bullish, 4 bearish.
- JPM’s TA Score: 5 bullish, 5 bearish.
Price Growth
BMO (@Major Banks) experienced а +4.17% price change this week, while JPM (@Major Banks) price change was -0.03% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.66%. For the same industry, the average monthly price growth was -5.70%, and the average quarterly price growth was +12.17%.
Reported Earning Dates
BMO is expected to report earnings on Dec 03, 2026.
JPM is expected to report earnings on Jan 14, 2027.
Industries' Descriptions
@Major Banks (+1.66% 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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JPM and
Correlation & Price change
A.I.dvisor indicates that over the last year, JPM has been closely correlated with BAC. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if JPM jumps, then BAC could also see price increases.