Bank of Montreal (BMO)vsGoldman Sachs Group Inc (GS)
BMO
Bank of Montreal
$136.39
-0.53%
FINANCIAL SERVICES · Cap: $94.86B
GS
Goldman Sachs Group Inc
$841.84
+0.73%
FINANCIAL SERVICES · Cap: $250.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Goldman Sachs Group Inc generates 77% more annual revenue ($59.40B vs $33.48B). GS leads profitability with a 28.9% profit margin vs 27.1%. GS appears more attractively valued with a PEG of 1.43. BMO earns a higher WallStSmart Score of 75/100 (B+).
BMO
Strong Buy75
out of 100
Grade: B+
GS
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.3%
Fair Value
$336.32
Current Price
$136.39
$199.93 discount
Margin of Safety
+52.4%
Fair Value
$1768.48
Current Price
$841.84
$926.64 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 39.9%
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 7.0B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 38.3%
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
15.2% revenue growth
Areas to Watch
No major concerns identified
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BMO
The strongest argument for BMO centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.1% and operating margin at 39.9%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : GS
The strongest argument for GS centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 28.9% and operating margin at 38.3%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : BMO
No major red flags identified for BMO, but monitor valuation.
Bear Case : GS
The primary concerns for GS are Free Cash Flow.
Key Dynamics to Monitor
BMO profiles as a mature stock while GS is a growth play — different risk/reward profiles.
GS carries more volatility with a beta of 1.34 — expect wider price swings.
GS is growing revenue faster at 15.2% — sustainability is the question.
BMO generates stronger free cash flow (7.0B), providing more financial flexibility.
Bottom Line
BMO scores higher overall (75/100 vs 73/100), backed by strong 27.1% margins. GS offers better value entry with a 52.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of Montreal
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Bank of Montreal offers diversified financial services primarily in North America. The company is headquartered in Montreal, Canada.
Goldman Sachs Group Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Goldman Sachs Group, Inc., is an American multinational investment bank and financial services company headquartered in New York City. It offers services in investment management, securities, asset management, prime brokerage, and securities underwriting. It also provides investment banking to institutional investors.
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