QM · rank #15 · 2026-09-11
MBK
GPW · PLN · $16.38B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +44.34% |
|---|---|
| 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). | $16.38B |
| Anchor (recent) Close on 2026-08-12 | $1,418.00 |
| Anchor (far) Close on 2025-08-12 | $982.40 |
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 quarterly profits driven by strong net interest income and rapid loan and deposit growth.
Rationale
The 44% trailing momentum aligns with a genuine fundamental catalyst — record Q2 2026 earnings, 22% ROTE, 18% ROE, and sharply declining CHF legal costs — making the quality-momentum signal structurally grounded rather than sentiment-only.
Material risks
- 1Residual CHF mortgage litigation remains the single most thesis-breaking risk; an adverse Supreme Court ruling or regulatory shift could rapidly reverse the recent cost decline from PLN 543M to PLN 124M and materially impair earnings quality.
- 2Polish rate cuts threaten NIM compression below the current ~3.47% floor management is guiding to hold, which would directly erode net interest income and the earnings trajectory underpinning the momentum signal.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.