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BMO or BNS or CM
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. Bank of Nova Scotia (BNS) vs. Canadian Imperial Bank of Commerce (CM) Stock Comparison
Key Takeaways
- All three banks have delivered strong year-to-date gains that significantly outpaced the S&P/TSX Composite index, with CM showing the largest advance followed closely by BMO.
- BMO stands out for its U.S. operations strength and a recent strategic sale of non-core finance units to Stonepeak, supporting capital efficiency.
- BNS reported solid first-quarter earnings growth across business lines and maintains a broad international footprint, though its YTD performance has lagged the peers slightly.
- CM has recorded the strongest recent momentum and multiple analyst price-target increases, with upcoming second-quarter results expected on May 28, 2026.
- Valuation sensitivity to interest rates and Canadian economic conditions remains a common factor, while each bank offers distinct exposure through U.S. growth (BMO), global markets (BNS), and domestic retail strength (CM).
- Market sentiment has been broadly constructive, reflected in repeated upward revisions to price targets across the group in recent weeks.
Introduction
Bank of Montreal (BMO), Bank of Nova Scotia (BNS), and Canadian Imperial Bank of Commerce (CM) represent three of Canada’s largest banks, offering investors exposure to domestic retail and commercial banking alongside varying degrees of international and capital-markets activity. This comparison focuses on their relative performance, business positioning, and recent market dynamics in a period of moderating interest rates and steady economic growth in Canada. Institutional and retail investors seeking diversified financial-sector holdings often evaluate these names together because of their scale, dividend profiles, and sensitivity to macroeconomic factors such as housing markets, consumer credit, and cross-border trade.
BMO Overview and Recent Performance
Bank of Montreal operates a diversified model with significant U.S. commercial and wealth-management operations that have contributed to earnings resilience. In recent market activity, shares advanced alongside broader Canadian bank gains, supported by multiple analyst price-target increases and a capital-efficient sale of transportation and vendor finance businesses to Stonepeak. The transaction is viewed as freeing resources for higher-return activities. Year-to-date total returns have exceeded 23 percent, materially ahead of the benchmark index, while one-year returns approached 56 percent. Sentiment has benefited from consistent outperformance in U.S. segments and expectations ahead of the May 27, 2026 earnings release.
BNS Overview and Recent Performance
Bank of Nova Scotia maintains an extensive international presence, particularly in Latin America and the Caribbean, alongside its core Canadian franchise. Recent performance showed continued earnings expansion in the first quarter, with growth reported across retail, wealth, and global banking segments. Share-price gains year-to-date have been positive but more measured than those of its larger peers, reflecting a more cautious stance among some analysts who maintain Hold ratings. Multiple modest price-target lifts occurred in recent weeks, and the stock continues to trade near the upper end of its recent range. Broader sentiment remains supported by steady dividend payouts and diversified revenue streams.
CM Overview and Recent Performance
Canadian Imperial Bank of Commerce focuses on personal and commercial banking in Canada with growing capital-markets and wealth operations. The stock has posted the strongest year-to-date advance among the three, exceeding 27 percent, and one-year returns surpassing 77 percent. Recent market activity featured repeated upward revisions to analyst price targets and favorable technical signals, including positive momentum indicators. Upcoming second-quarter results scheduled for May 28, 2026, are expected to provide further clarity on operating trends. Sentiment has been constructive, driven by domestic loan growth and efficiency initiatives.
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Head-to-Head Comparison
Business models differ in geographic emphasis: BMO derives notable earnings from U.S. commercial banking, BNS maintains broader emerging-market exposure, and CM remains more concentrated in Canadian retail and commercial lending. Recent momentum has favored CM on total return and technical strength, while BMO benefits from visible non-core asset sales that improve capital allocation. All three exhibit sensitivity to Canadian housing and interest-rate cycles, yet BMO’s U.S. diversification offers a partial hedge. Valuation multiples remain broadly comparable within the sector, with dividend yields providing income appeal across the group. Market sentiment has been uniformly positive, evidenced by widespread analyst target upgrades, though BNS carries slightly more Hold-rated coverage reflecting its international complexity.
Tickeron AI Verdict
Based on observable trend consistency, recent price action, and positioning ahead of earnings, Tickeron’s AI would currently assign a modestly higher probability of outperformance to CM, citing stronger year-to-date momentum and repeated positive analyst revisions. BMO follows closely due to U.S. growth visibility and capital actions. BNS remains competitive on earnings stability and diversification but shows comparatively tempered momentum in the most recent period. This assessment reflects historical patterns and current data only and does not constitute investment advice.
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.
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 undervalued. 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 whileBNS’s FA Score has 1 green FA rating(s), and CM’s FA Score reflects 3 green FA rating(s).
- BMO’s FA Score: 2 green, 3 red.
- BNS’s FA Score: 1 green, 4 red.
- CM’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 4 TA indicator(s) are bullish while BNS’s TA Score has 4 bullish TA indicator(s), and CM’s TA Score reflects 6 bullish TA indicator(s).
- BMO’s TA Score: 4 bullish, 3 bearish.
- BNS’s TA Score: 4 bullish, 3 bearish.
- CM’s TA Score: 6 bullish, 3 bearish.
Price Growth
BMO (@Major Banks) experienced а +2.39% price change this week, while BNS (@Major Banks) price change was +4.26% , and CM (@Major Banks) price fluctuated +4.24% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.65%. For the same industry, the average monthly price growth was +8.99%, and the average quarterly price growth was +17.62%.
Reported Earning Dates
BMO is expected to report earnings on Aug 25, 2026.
BNS is expected to report earnings on Aug 25, 2026.
CM is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+3.65% 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.
| BMO | BNS | CM | |
| Capitalization | 118B | 103B | 104B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 29.671 | 13.977 | 25.218 |
| P/E Ratio | 18.03 | 16.16 | 15.70 |
| Revenue | 37.5B | 38.4B | 31.1B |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 288B | 340B | 216B |
BMO | BNS | CM | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 38 | 82 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 75 Overvalued | 46 Fair valued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 35 | 69 | 25 | |
SMR RATING 1..100 | 5 | 5 | 6 | |
PRICE GROWTH RATING 1..100 | 40 | 42 | 42 | |
P/E GROWTH RATING 1..100 | 28 | 49 | 26 | |
SEASONALITY SCORE 1..100 | 45 | 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.
BNS's Valuation (46) in the Major Banks industry is in the same range as BMO (75) in the Major Banks industry, and is somewhat better than the same rating for CM (80) in the Investment Trusts Or Mutual Funds industry. This means that BNS's stock grew similarly to BMO’s and somewhat faster than CM’s over the last 12 months.
CM's Profit vs Risk Rating (25) in the Investment Trusts Or Mutual Funds industry is in the same range as BMO (35) in the Major Banks industry, and is somewhat better than the same rating for BNS (69) in the Major Banks industry. This means that CM's stock grew similarly to BMO’s and somewhat faster than BNS’s over the last 12 months.
BMO's SMR Rating (5) in the Major Banks industry is in the same range as BNS (5) in the Major Banks industry, and is in the same range as CM (6) in the Investment Trusts Or Mutual Funds industry. This means that BMO's stock grew similarly to BNS’s and similarly to CM’s over the last 12 months.
BMO's Price Growth Rating (40) in the Major Banks industry is in the same range as BNS (42) in the Major Banks industry, and is in the same range as CM (42) in the Investment Trusts Or Mutual Funds industry. This means that BMO's stock grew similarly to BNS’s and similarly to CM’s over the last 12 months.
CM's P/E Growth Rating (26) in the Investment Trusts Or Mutual Funds industry is in the same range as BMO (28) in the Major Banks industry, and is in the same range as BNS (49) in the Major Banks industry. This means that CM's stock grew similarly to BMO’s and similarly to BNS’s over the last 12 months.
| BMO | BNS | CM | |
|---|---|---|---|
| RSI ODDS (%) | 4 days ago 53% | 4 days ago 39% | 4 days ago 56% |
| Stochastic ODDS (%) | 4 days ago 56% | 4 days ago 32% | 4 days ago 40% |
| Momentum ODDS (%) | 4 days ago 59% | 4 days ago 48% | 4 days ago 64% |
| MACD ODDS (%) | 4 days ago 60% | 4 days ago 50% | 4 days ago 52% |
| TrendWeek ODDS (%) | 4 days ago 55% | 4 days ago 50% | 4 days ago 58% |
| TrendMonth ODDS (%) | 4 days ago 49% | 4 days ago 45% | 4 days ago 54% |
| Advances ODDS (%) | 4 days ago 52% | 4 days ago 50% | 4 days ago 54% |
| Declines ODDS (%) | N/A | N/A | 15 days ago 53% |
| BollingerBands ODDS (%) | 4 days ago 50% | 4 days ago 37% | 4 days ago 66% |
| Aroon ODDS (%) | 4 days ago 41% | 4 days ago 36% | 4 days ago 49% |
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BMO and
Correlation & Price change
A.I.dvisor indicates that over the last year, BMO has been closely correlated with BNS. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if BMO jumps, then BNS could also see price increases.
BNS and
Correlation & Price change
A.I.dvisor indicates that over the last year, BNS has been closely correlated with BMO. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if BNS jumps, then BMO could also see price increases.
CM and
Correlation & Price change
A.I.dvisor indicates that over the last year, CM has been closely correlated with BMO. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if CM jumps, then BMO could also see price increases.