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BMO or BNS or TD
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. Bank of Nova Scotia (BNS) vs. Toronto-Dominion Bank (TD) Stock Comparison
Key Takeaways
- BMO, BNS, and TD are major Canadian banks with significant U.S. operations, showing resilience amid recent market activity.
- All three stocks have traded near multi-year highs in recent weeks, supported by strong capital positions and capital markets revenue.
- TD reported notable Q1 2026 profit growth of 45%, with ongoing analyst attention on its remediation efforts and regional consolidation.
- BNS maintains broader international exposure, which provides diversification but introduces additional geopolitical considerations compared to peers.
- BMO has demonstrated steady performance in wealth management and capital markets, contributing to consistent relative stability.
- Relative performance reflects sector-wide momentum, with differences in U.S. footprint and international reach creating distinct risk-return profiles.
Introduction
Bank of Montreal (BMO), Bank of Nova Scotia (BNS), and Toronto-Dominion Bank (TD) represent core holdings in the Canadian banking sector, each with substantial North American operations and exposure to interest-rate environments, lending cycles, and capital markets activity. This comparison focuses on observable recent performance metrics, business positioning, and market sentiment to assist institutional and individual investors evaluating relative value within the financials sector. Traders monitoring sector rotation and long-term dividend growth strategies may find the analysis particularly relevant for portfolio construction decisions.
BMO Overview and Recent Performance
Bank of Montreal operates as a diversified financial services provider with strong retail, commercial, wealth management, and capital markets segments across Canada and the United States. In recent market activity, BMO shares have advanced alongside broader Canadian bank gains, trading near record levels supported by fee-based revenue growth in wealth and markets divisions. Sentiment has benefited from disciplined expense management and a solid Common Equity Tier 1 (CET1) capital ratio, which provides buffer against economic variability. Recent weeks have seen continued investor focus on the bank’s U.S. expansion and ability to sustain net interest income (NII) amid evolving rate expectations.
BNS Overview and Recent Performance
Bank of Nova Scotia, also known as Scotiabank, emphasizes international operations alongside its Canadian franchise, with notable presence in Latin America and the Caribbean. BNS stock has participated in the sector’s upward movement in recent weeks, reflecting steady domestic performance and management’s emphasis on dividend sustainability ahead of upcoming quarterly results. Market participants have noted the bank’s diversified revenue streams as a source of resilience, though international exposures can introduce additional volatility tied to emerging-market conditions. Capital strength remains a consistent theme supporting sentiment.
TD Overview and Recent Performance
Toronto-Dominion Bank maintains a significant U.S. retail and commercial banking presence concentrated along the East Coast, complementing its leading Canadian operations. TD shares have performed robustly in recent market activity, approaching 52-week highs following Q1 2026 results that showed substantial year-over-year profit expansion. Positive analyst commentary has centered on capital return initiatives, progress on regulatory remediation programs, and operational streamlining efforts. The bank’s scale in wealth and trading businesses has contributed to relative momentum within the group.
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Head-to-Head Comparison
Business models differ in geographic emphasis: BNS carries the broadest international footprint, TD maintains the largest U.S. retail network among the trio, and BMO balances Canadian leadership with targeted U.S. commercial expansion. Growth drivers include capital markets and wealth fees for all three, though TD has recently highlighted restructuring benefits while BNS focuses on international diversification. Recent momentum favors TD on earnings beats and upgrade activity, with BMO and BNS showing steadier but less headline-driven advances. Risk factors center on credit provisioning and regulatory costs, with TD actively addressing U.S. compliance matters. Valuation sensitivity remains comparable across the group given similar payout ratios and capital levels, while market sentiment reflects sector-wide optimism tempered by macroeconomic uncertainty.
Tickeron AI Verdict
Based on observable trend consistency, earnings momentum, and relative positioning in recent market activity, Tickeron’s AI models currently assign a modestly higher probability of favorable near-term performance to TD, reflecting its combination of scale, capital return focus, and analyst support. BMO and BNS remain competitive on stability and diversification metrics. This assessment draws from quantitative signals rather than forward projections and should not be interpreted as 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 TD’s FA Score reflects 2 green FA rating(s).
- BMO’s FA Score: 2 green, 3 red.
- BNS’s FA Score: 1 green, 4 red.
- TD’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 3 TA indicator(s) are bullish while BNS’s TA Score has 4 bullish TA indicator(s), and TD’s TA Score reflects 3 bullish TA indicator(s).
- BMO’s TA Score: 3 bullish, 5 bearish.
- BNS’s TA Score: 4 bullish, 3 bearish.
- TD’s TA Score: 3 bullish, 3 bearish.
Price Growth
BMO (@Major Banks) experienced а +0.84% price change this week, while BNS (@Major Banks) price change was +1.60% , and TD (@Major Banks) price fluctuated +2.20% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.70%. For the same industry, the average monthly price growth was +6.36%, and the average quarterly price growth was +15.08%.
Reported Earning Dates
BMO is expected to report earnings on Aug 25, 2026.
BNS is expected to report earnings on Aug 25, 2026.
TD is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+0.70% 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 | TD | |
| Capitalization | 117B | 101B | 192B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 28.361 | 12.213 | 23.408 |
| P/E Ratio | 17.84 | 15.91 | 19.03 |
| Revenue | 37.5B | 38.4B | 63.8B |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 288B | 340B | 474B |
BMO | BNS | TD | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 35 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 75 Overvalued | 45 Fair valued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 35 | 70 | 37 | |
SMR RATING 1..100 | 5 | 5 | 4 | |
PRICE GROWTH RATING 1..100 | 41 | 42 | 40 | |
P/E GROWTH RATING 1..100 | 28 | 49 | 11 | |
SEASONALITY SCORE 1..100 | 45 | 50 | 35 |
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 (45) in the Major Banks industry is in the same range as BMO (75) and is in the same range as TD (77). This means that BNS's stock grew similarly to BMO’s and similarly to TD’s over the last 12 months.
BMO's Profit vs Risk Rating (35) in the Major Banks industry is in the same range as TD (37) and is somewhat better than the same rating for BNS (70). This means that BMO's stock grew similarly to TD’s and somewhat faster than BNS’s over the last 12 months.
TD's SMR Rating (4) in the Major Banks industry is in the same range as BMO (5) and is in the same range as BNS (5). This means that TD's stock grew similarly to BMO’s and similarly to BNS’s over the last 12 months.
TD's Price Growth Rating (40) in the Major Banks industry is in the same range as BMO (41) and is in the same range as BNS (42). This means that TD's stock grew similarly to BMO’s and similarly to BNS’s over the last 12 months.
TD's P/E Growth Rating (11) in the Major Banks industry is in the same range as BMO (28) and is somewhat better than the same rating for BNS (49). This means that TD's stock grew similarly to BMO’s and somewhat faster than BNS’s over the last 12 months.
| BMO | BNS | TD | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 53% | 1 day ago 49% | 1 day ago 47% |
| Stochastic ODDS (%) | 1 day ago 50% | 1 day ago 32% | 1 day ago 42% |
| Momentum ODDS (%) | 1 day ago 60% | 1 day ago 48% | N/A |
| MACD ODDS (%) | 1 day ago 65% | 1 day ago 60% | 1 day ago 48% |
| TrendWeek ODDS (%) | 1 day ago 55% | 1 day ago 50% | 1 day ago 54% |
| TrendMonth ODDS (%) | 1 day ago 49% | 1 day ago 45% | 1 day ago 52% |
| Advances ODDS (%) | 3 days ago 52% | 3 days ago 50% | 3 days ago 53% |
| Declines ODDS (%) | about 1 month ago 56% | N/A | N/A |
| BollingerBands ODDS (%) | 1 day ago 67% | 1 day ago 35% | 1 day ago 38% |
| Aroon ODDS (%) | 1 day ago 40% | 1 day ago 37% | 1 day ago 48% |
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