Is BMO or HSBC more undervalued in 2026?

CirclFi compares Bank Of Montreal (BMO) and HSBC Holdings, plc. (HSBC) using 13 institutional-grade valuation models. BMO has a Quality of Company score of 7.9/10 while HSBC scores 2.2/10.

Which is a better buy — BMO or HSBC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BMO and HSBC valuations compare?

BMO at $161.84 and HSBC at $92.95 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BMO vs HSBC Valuation Comparison 2026 — Intrinsic Value Analysis

BMO

Banks - Diversified

Bank Of Montreal

Quality

7.9

out of 10

Value Trap

—

Price

$161.84

Last close

Models

11/13

Active

HSBC

Banks - Diversified

HSBC Holdings, plc.

Quality

2.2

out of 10

Value Trap

—

Price

$92.95

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	BMO Fair Value	BMO Upside	HSBC Fair Value	HSBC Upside
Bayesian DCF	Intrinsic	$82.13	-49.3%	$23.90	-74.3%
Earnings Power Value	Intrinsic	$182.75	+12.9%	$330.58	+261.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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BMO vs HSBC — Which Stock Is More Undervalued?

BMO scores higher with a 7.9/10 quality rating vs HSBC's 2.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Bank Of Montreal (BMO) and HSBC Holdings, plc. (HSBC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BMO currently trades at $161.84 with a QOC of 7.9/10, while HSBC trades at $92.95 with a QOC of 2.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).