QM · rank #16 · 2026-09-10
MBK
GPW · PLN · $16.36B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +44.01% |
|---|---|
| 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). | $16.36B |
| Anchor (recent) Close on 2026-08-11 | $1,415.00 |
| Anchor (far) Close on 2025-08-11 | $982.60 |
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) is a leading Polish universal and digital bank with over PLN 300 billion in assets and 6 million clients, generating record profits from lending and deposit activities.
Rationale
The 44% trailing momentum signal is reinforced by fundamental quality — 18% ROE, 32% profit margins, and a record Q2 2026 net profit of PLN 1.06 billion — confirming that price strength reflects genuine earnings acceleration rather than pure sentiment rotation.
Material risks
- 1Residual CHF mortgage litigation (still ~4,300 active cases) could re-accelerate legal costs sharply if Polish or EU courts shift precedent, directly reversing the Q2 cost tailwind that drove the earnings beat underpinning the momentum signal.
- 2Polish rate cuts threaten NIM compression below the ~3.47–3.5% management target, which would slow net interest income growth and erode the ROE/margin quality metrics that validate the screen.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.