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BMO vs TD
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. Toronto-Dominion Bank (TD) Stock Comparison
Key Takeaways
- BMO has delivered stronger year-to-date and one-year total returns compared to the S&P/TSX Composite benchmark in recent market activity.
- TD maintains a larger market capitalization and benefits from its extensive U.S. retail banking footprint, providing geographic diversification.
- Both banks have reported earnings that exceeded analyst estimates in recent quarters, supporting positive sentiment amid stable interest rate environments.
- BMO shows notable exposure to capital markets and AI-related themes, while TD emphasizes consistent dividend growth and operational efficiency.
- Risk factors for both include potential credit losses and regulatory pressures common to large Canadian banks, with relative performance influenced by broader economic indicators.
- Market positioning favors banks with strong balance sheets, where BMO has edged ahead in recent momentum metrics.
Introduction
Bank of Montreal (BMO) and Toronto-Dominion Bank (TD) represent two of Canada’s leading financial institutions, offering investors exposure to diversified banking, wealth management, and capital markets activities. This comparison examines their relative performance, business models, and market positioning in the current environment. Institutional investors, active traders, and long-term holders evaluating Canadian bank equities may find the analysis useful for assessing sector trends and individual stock characteristics without favoring one over the other based on subjective preference.
BMO Overview and Recent Performance
Bank of Montreal operates as a diversified financial services provider with significant operations in personal and commercial banking, wealth management, and capital markets. In recent weeks, BMO shares have exhibited robust gains, outpacing the broader S&P/TSX Composite index with year-to-date returns near 36 percent. Factors influencing sentiment include strong earnings results that surpassed estimates and strategic commentary highlighting opportunities in technology sectors such as AI memory. The stock’s momentum reflects broader market appreciation for banks demonstrating efficiency improvements and capital markets strength amid stable macroeconomic conditions.
TD Overview and Recent Performance
Toronto-Dominion Bank focuses on retail and commercial banking, wealth management, and insurance, with a substantial presence in both Canada and the United States. Recent market activity has seen TD deliver solid returns, including year-to-date performance around 31 percent, supported by consistent dividend policies and operational resilience. Developments such as upcoming quarterly earnings releases have shaped investor attention, with the bank maintaining emphasis on cost management and cross-border growth. Sentiment remains constructive, reflecting the institution’s scale and steady approach to risk management in a competitive banking landscape.
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Head-to-Head Comparison
In business model terms, BMO places greater relative weight on capital markets activities, creating potential sensitivity to equity and advisory cycles, whereas TD derives more balanced revenue from its large U.S. retail network, offering different exposure to consumer spending trends. Recent momentum has tilted toward BMO in outperformance metrics, though TD benefits from a larger overall market capitalization that may provide additional stability. Both face similar sector risks, including interest rate fluctuations and regulatory scrutiny on lending practices. Market sentiment for the pair remains tied to Canadian economic data and North American growth indicators, presenting trade-offs between growth-oriented positioning at BMO and defensive scale at TD.
Tickeron AI Verdict
Based on observable factors such as recent trend consistency, earnings stability, and relative positioning against benchmarks, Tickeron’s AI models currently assign a modestly higher probabilistic preference to BMO over TD. This assessment draws from stronger benchmark outperformance and thematic catalysts in recent periods, though outcomes remain subject to evolving market conditions and individual portfolio considerations.
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.
Disclaimers and LimitationsTo 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 TD is a StrongBuy.
| BMO | TD | BMO / TD | |
| Capitalization | 122B | 197B | 62% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 34.741 | 28.418 | 122% |
| P/E Ratio | 19.68 | 17.88 | 110% |
| Revenue | 38.5B | 65.1B | 59% |
| Total Cash | N/A | N/A | - |
| Total Debt | 313B | 454B | 69% |
BMO | TD | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 58 | 76 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 75 Overvalued | |
PROFIT vs RISK RATING 1..100 | 32 | 30 | |
SMR RATING 1..100 | 3 | 3 | |
PRICE GROWTH RATING 1..100 | 44 | 42 | |
P/E GROWTH RATING 1..100 | 21 | 7 | |
SEASONALITY SCORE 1..100 | 50 | 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 (74) in the Major Banks industry is in the same range as TD (75). This means that BMO’s stock grew similarly to TD’s over the last 12 months.
TD's Profit vs Risk Rating (30) in the Major Banks industry is in the same range as BMO (32). This means that TD’s stock grew similarly to BMO’s over the last 12 months.
TD's SMR Rating (3) in the Major Banks industry is in the same range as BMO (3). This means that TD’s stock grew similarly to BMO’s over the last 12 months.
TD's Price Growth Rating (42) in the Major Banks industry is in the same range as BMO (44). This means that TD’s stock grew similarly to BMO’s over the last 12 months.
TD's P/E Growth Rating (7) in the Major Banks industry is in the same range as BMO (21). This means that TD’s stock grew similarly to BMO’s over the last 12 months.
| BMO | TD | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 74% | N/A |
| Stochastic ODDS (%) | 2 days ago 61% | 2 days ago 44% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 51% |
| MACD ODDS (%) | 2 days ago 61% | 2 days ago 49% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 48% |
| TrendMonth ODDS (%) | 2 days ago 55% | 2 days ago 47% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 53% |
| Declines ODDS (%) | 4 days ago 54% | 4 days ago 49% |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 59% |
| Aroon ODDS (%) | N/A | N/A |
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 3 FA rating(s) are green while TD’s FA Score has 3 green FA rating(s).
- BMO’s FA Score: 3 green, 2 red.
- TD’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 5 TA indicator(s) are bullish while TD’s TA Score has 4 bullish TA indicator(s).
- BMO’s TA Score: 5 bullish, 4 bearish.
- TD’s TA Score: 4 bullish, 4 bearish.
Price Growth
BMO (@Major Banks) experienced а -0.30% price change this week, while TD (@Major Banks) price change was -0.54% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.86%. For the same industry, the average monthly price growth was -0.40%, and the average quarterly price growth was +35.41%.
Reported Earning Dates
BMO is expected to report earnings on Dec 02, 2026.
TD is expected to report earnings on Dec 03, 2026.
Industries' Descriptions
@Major Banks (-0.86% 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 79% 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.
TD and
Correlation & Price change
A.I.dvisor indicates that over the last year, TD 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 TD jumps, then RY could also see price increases.