QM · rank #15 · 2026-09-07
MBK
GPW · PLN · $16.06B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +47.15% |
|---|---|
| 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). | $16.06B |
| Anchor (recent) Close on 2026-08-07 | $1,415.00 |
| Anchor (far) Close on 2025-08-08 | $961.60 |
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 Polish universal bank with a leading digital platform, serving retail and corporate clients with accelerating loan and deposit growth under its 2026–2030 "Full speed ahead" strategy.
Rationale
The quality-momentum signal is directly reinforced by record Q2 2026 earnings beating consensus, 22% ROTE, 18% ROE, 32% profit margins, and 47% trailing price momentum driven by fundamental outperformance rather than sentiment rotation.
Material risks
- 1Polish interest rate cycle sensitivity is the primary thesis-breaker — NIM at 3.47% is explicitly management-guided as near its ceiling, meaning any rate cuts compress the core earnings driver that is currently powering both the quality and momentum signals.
- 2Legacy mortgage legal/regulatory risk in Poland (analogous to CHF-loan litigation that has burdened sector peers) could trigger unexpected capital charges or provisioning that would abruptly break the earnings momentum trend.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.