QM · rank #13 · 2026-09-04
MBK
GPW · PLN · $16.00B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +63.31% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +18.1% |
| Profit margin Net profit margin, trailing 12 months. | +32.3% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $16.00B |
| Anchor (recent) Close on 2026-08-05 | $1,419.50 |
| Anchor (far) Close on 2025-08-05 | $869.20 |
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 (MBK@GPW) is a digitally-led universal bank in Poland delivering record quarterly profits through accelerating loan and deposit growth across retail and corporate segments.
Rationale
The quality-momentum signal is directly reinforced by Q2 2026 record net profit of PLN 1.06bn (+10.5% YoY), 22% ROTE, 18% ROE, and 63% trailing price momentum, all consistent with a compounding high-quality franchise re-rating higher.
Material risks
- 1Polish interest rate cycle sensitivity is the primary thesis-breaker — NIM at 3.47% is explicitly rate-dependent, and a rate-cut cycle could compress margins and stall the earnings momentum that drives both quant signals simultaneously.
- 2Legacy mortgage legal/regulatory risk (analogous to CHF mortgage litigation that has burdened Polish peers) could trigger unexpected capital charges or provisioning that disrupts the clean quality profile the model is pricing in.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.