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BMO or CM or RY
Which Stock Would AI Choose? Bank of Montreal (BMO) vs. Canadian Imperial Bank of Commerce (CM) vs. Royal Bank of Canada (RY) Stock Comparison
Key Takeaways
- BMO, CM, and RY are leading Canadian banks with diversified operations across retail, commercial, and capital markets segments, showing resilience amid economic uncertainty.
- In recent market activity, CM posted the strongest year-to-date gains among the three, supported by robust Q1 net income growth exceeding 40% year-over-year.
- BMO demonstrated solid performance with multiple analyst price target increases and strategic portfolio adjustments, including the sale of certain financing units.
- RY maintained steady momentum near all-time highs, benefiting from its scale and consistent earnings delivery, though with comparatively moderate YTD returns.
- Relative performance highlights trade-offs: CM and BMO exhibited higher recent volatility and growth sensitivity, while RY offered greater stability.
- Market sentiment across the group remains constructive, with upward revisions to price targets reflecting improved efficiency metrics and capital strength.
Introduction
Bank of Montreal (BMO), Canadian Imperial Bank of Commerce (CM), and Royal Bank of Canada (RY) represent three of Canada’s largest financial institutions, each with significant North American and international exposure. This comparison examines their relative performance, business positioning, and recent developments in the current market environment. Investors and traders focused on the financial sector, dividend growth strategies, or Canadian equities may find this analysis relevant for assessing sector rotation opportunities and peer benchmarking within a stable yet competitive banking landscape.
BMO Overview and Recent Performance
Bank of Montreal operates as a diversified financial services provider with core businesses in personal and commercial banking, wealth management, and capital markets. In recent weeks, BMO shares traded near 52-week highs around $161 USD, delivering YTD returns exceeding 20% and one-year gains near 53%. Performance benefited from strong Q1 results showing 16% year-over-year net income growth and record segment revenues. Sentiment was further supported by multiple analyst price target upgrades and the announcement of a capital-efficient sale of transportation and vendor finance businesses. The stock’s momentum reflects broader sector tailwinds and operational efficiency improvements.
CM Overview and Recent Performance
Canadian Imperial Bank of Commerce provides retail, business, and wealth management services with notable strength in commercial lending and capital markets. CM shares reached levels near $115 USD in recent trading, posting standout YTD returns around 27% and one-year gains approaching 72-77%. Recent performance was driven by exceptional Q1 results, including over 40% year-over-year net income growth. Upward revisions to analyst price targets and continued capital deployment initiatives contributed to positive market sentiment, positioning the stock as a relative outperformer within the Canadian banking group during the observed period.
RY Overview and Recent Performance
Royal Bank of Canada is the largest Canadian bank by market capitalization, offering comprehensive services across personal and commercial banking, wealth management, insurance, and capital markets. RY shares traded near $190 USD recently, achieving YTD returns of approximately 11-13% and one-year gains around 53%. Performance remained resilient near record levels, supported by steady earnings and a Fitch upgrade on certain debt instruments. While growth was more measured than peers, the bank’s scale and diversified revenue streams provided stability amid fluctuating interest rate expectations and economic data releases.
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Head-to-Head Comparison
Business models overlap significantly as diversified Canadian banks, yet nuances exist: RY benefits from the largest domestic market share and insurance diversification, BMO emphasizes U.S. expansion and efficiency initiatives, while CM focuses on commercial and innovation banking growth. Recent momentum favored CM and BMO on earnings beats and analyst revisions, whereas RY provided steadier but less explosive returns. Risk factors include interest rate sensitivity and credit quality normalization across all three; CM and BMO showed greater valuation sensitivity to growth catalysts. Sector exposure remains similar, centered on Canadian consumer and business lending with U.S. capital markets contributions. Market sentiment appears constructive for the group, with relative outperformance hinging on quarterly execution and capital return policies.
Tickeron AI Verdict
Based on observable factors including recent earnings momentum, price target revisions, and relative positioning near highs, Tickeron’s AI models currently assign a higher probabilistic preference to CM for its standout Q1 growth trajectory and accelerated YTD performance. BMO follows closely due to strategic portfolio optimization and consistent analyst support. RY remains a stable benchmark choice with lower volatility but more moderate recent catalysts. These assessments reflect pattern recognition from historical data and should not be interpreted as definitive forecasts or investment recommendations.
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 whileCM’s FA Score has 3 green FA rating(s), and RY’s FA Score reflects 3 green FA rating(s).
- BMO’s FA Score: 2 green, 3 red.
- CM’s FA Score: 3 green, 2 red.
- RY’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 CM’s TA Score has 6 bullish TA indicator(s), and RY’s TA Score reflects 2 bullish TA indicator(s).
- BMO’s TA Score: 4 bullish, 3 bearish.
- CM’s TA Score: 6 bullish, 3 bearish.
- RY’s TA Score: 2 bullish, 3 bearish.
Price Growth
BMO (@Major Banks) experienced а +2.29% price change this week, while CM (@Major Banks) price change was +0.58% , and RY (@Major Banks) price fluctuated +0.89% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.91%. For the same industry, the average monthly price growth was +7.81%, and the average quarterly price growth was +16.22%.
Reported Earning Dates
BMO is expected to report earnings on Aug 25, 2026.
CM is expected to report earnings on Aug 27, 2026.
RY is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+0.91% 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 | CM | RY | |
| Capitalization | 122B | 105B | 283B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 33.616 | 26.741 | 19.028 |
| P/E Ratio | 18.84 | 16.02 | 18.68 |
| Revenue | 37.5B | 31.1B | 69.5B |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 288B | 216B | 574B |
BMO | CM | RY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 45 | 14 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 75 Overvalued | 79 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 34 | 25 | 17 | |
SMR RATING 1..100 | 5 | 6 | 4 | |
PRICE GROWTH RATING 1..100 | 40 | 43 | 41 | |
P/E GROWTH RATING 1..100 | 24 | 27 | 27 | |
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.
BMO's Valuation (75) in the Major Banks industry is in the same range as CM (79) in the Investment Trusts Or Mutual Funds industry, and is in the same range as RY (90) in the Major Banks industry. This means that BMO's stock grew similarly to CM’s and similarly to RY’s over the last 12 months.
RY's Profit vs Risk Rating (17) in the Major Banks industry is in the same range as CM (25) in the Investment Trusts Or Mutual Funds industry, and is in the same range as BMO (34) in the Major Banks industry. This means that RY's stock grew similarly to CM’s and similarly to BMO’s over the last 12 months.
RY's SMR Rating (4) in the Major Banks industry is in the same range as BMO (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 RY's stock grew similarly to BMO’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 RY (41) in the Major Banks industry, and is in the same range as CM (43) in the Investment Trusts Or Mutual Funds industry. This means that BMO's stock grew similarly to RY’s and similarly to CM’s over the last 12 months.
BMO's P/E Growth Rating (24) in the Major Banks industry is in the same range as RY (27) in the Major Banks industry, and is in the same range as CM (27) in the Investment Trusts Or Mutual Funds industry. This means that BMO's stock grew similarly to RY’s and similarly to CM’s over the last 12 months.
| BMO | CM | RY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 39% | 1 day ago 50% | 1 day ago 47% |
| Stochastic ODDS (%) | 1 day ago 42% | 1 day ago 41% | N/A |
| Momentum ODDS (%) | 6 days ago 63% | 1 day ago 69% | N/A |
| MACD ODDS (%) | 1 day ago 76% | 1 day ago 70% | N/A |
| TrendWeek ODDS (%) | 1 day ago 56% | 1 day ago 59% | 1 day ago 45% |
| TrendMonth ODDS (%) | 1 day ago 49% | 1 day ago 54% | 1 day ago 39% |
| Advances ODDS (%) | 1 day ago 53% | 1 day ago 54% | 1 day ago 47% |
| Declines ODDS (%) | N/A | 6 days ago 53% | 27 days ago 53% |
| BollingerBands ODDS (%) | 1 day ago 50% | 1 day ago 82% | 1 day ago 45% |
| Aroon ODDS (%) | 1 day ago 41% | 1 day ago 57% | 1 day ago 36% |
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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.