Bank of Montreal (NYSE:BMO – Get Free Report) and Alior Bank (OTCMKTS:ALORY – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, risk, institutional ownership, earnings and analyst recommendations.
Analyst Ratings
This is a breakdown of current ratings and target prices for Bank of Montreal and Alior Bank, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank of Montreal | 0 | 2 | 2 | 0 | 2.50 |
| Alior Bank | 1 | 0 | 0 | 0 | 1.00 |
Bank of Montreal currently has a consensus price target of $122.00, suggesting a potential upside of 42.31%. Given Alior Bank’s higher probable upside, analysts clearly believe Alior Bank is more favorable than Bank of Montreal.
Institutional & Insider Ownership
Profitability
This table compares Bank of Montreal and Alior Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank of Montreal | 11.19% | 12.70% | 0.71% |
| Alior Bank | N/A | N/A | N/A |
Earnings & Valuation
This table compares Bank of Montreal and Alior Bank’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bank of Montreal | $34.74 billion | 1.78 | $10.52 billion | $7.55 | 11.35 |
| Alior Bank | N/A | N/A | N/A | C$1.48 | 1.40 |
Bank of Montreal has higher revenue and earnings than Alior Bank. Alior Bank is trading at a lower price-to-earnings ratio than Bank of Montreal, indicating that it is currently the more affordable of the two stocks.
Summary
Bank of Montreal beats Alior Bank on 10 of the 11 factors compared between the two stocks.
About Bank of Montreal
Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment advice services; and commercial banking products and services comprise business deposit accounts, commercial credit cards, business loans and commercial mortgages, cash management solutions, foreign exchange, specialized banking programs, treasury and payment solutions, and risk management products for small business and commercial banking customers. It also offers investment and wealth advisory services; digital investing services; financial services and solutions; and investment management, and trust and custody services. In addition, the company provides life insurance, accident and sickness insurance, and annuity products; creditor and travel insurance to bank customers; and reinsurance solutions. Further, it offers client's debt and equity capital-raising services, as well as loan origination and syndication, and treasury management; strategic advice on mergers and acquisitions, restructurings, and recapitalizations, as well as valuation and fairness opinions; and trade finance, risk mitigation, and other operating services. Additionally, the company provides research and access to markets for institutional, corporate, and retail clients; trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities; new product development and origination services, as well as risk management advice and services to hedge against fluctuations; and funding and liquidity management services to its clients. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
About Alior Bank
Alior Bank S.A. provides banking products and services to individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Business, and Treasury Activities. The company offers personal, savings, and subsidiary accounts; term and savings deposit products; cash, mortgage, working capital, and investment loans; credit cards; brokerage products and investment funds; and derivative instruments, as well as currency exchange transaction and current account overdraft services, and cash deposit, withdrawal, and transfer services. It also engages in the debt collection and asset management activities; management of collective security portfolios and financial instruments; activities of insurance agents and broker; activities related to risk assessment; finance of fixed assets and lease loans; and provision IT consulting and related services. Alior Bank S.A. was founded in 2008 and is based in Warsaw, Poland.
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