BMO in text can refer to several things depending on the context. Here are a few possibilities:
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Bank of Montreal (BMO): This is a common abbreviation for the Bank of Montreal, a well-known Canadian multinational investment bank and financial services company. When discussing finance, business, or Canadian banking, BMO likely refers to this institution.
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Be More Optimistic: In casual online conversation, especially in response to someone expressing negativity, "BMO" might mean "Be More Optimistic." This is an encouragement to look on the bright side.
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Adventure Time Character: BMO is a character's name in the animated television series Adventure Time. It's a living video game console, a loyal companion, and has a unique personality. If you are talking about cartoons, BMO might refer to this character.
Since the question doesn't specify the context, it's important to consider the surrounding conversation to determine the intended meaning of "BMO".