QM · rank #5 · 2026-07-23

MBK

GPW · PLN · $15.69B (USD)

SignalStrong Buy2.6strength 2.6 / 10

verdict · PROCEED

The exact numbers the algorithm saw.

Factor scores and the inputs behind this pick.
Momentum 12-1 Return from 12 months ago to 1 month ago.	+94.70%
ROE TTM Return on equity, trailing 12 months.	+18.6%
Profit margin Net profit margin, trailing 12 months.	+31.3%
Market cap (USD) Size filter: > $300M required (USD-equivalent).	$15.69B
Anchor (recent) Close on 2026-06-23	$1,412.00
Anchor (far) Close on 2025-06-23	$725.20

The AI research card

Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.

Summary

mBank SA is a leading Polish regional bank providing universal banking services, currently in a growth phase with expanding asset, loan, and deposit portfolios.

Rationale

The quality-momentum signal is highly validated by mBank's market-beating growth, exceptional cost-to-income efficiency of 30-31%, and a strong 18.55% TTM ROE [1, 2].

Material risks

1Compression of net interest income driven by further interest rate cuts or unfavorable yield-curve movements in Poland [1, 5].
2Normalization of credit quality that increases the cost of risk from Q1's unusually low 30 basis points to the guided 70 basis points, materially eroding profitability [2, 4, 5].

AI verdict council

Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.

OpenAI

Proceed

Claude

Caution

Gemini

Proceed