QM · rank #13 · 2026-10-20
MBK
GPW · PLN · $15.67B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +52.95% |
|---|---|
| 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). | $15.67B |
| Anchor (recent) Close on 2026-09-18 | $1,399.50 |
| Anchor (far) Close on 2025-09-19 | $915.00 |
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 digitally-led Polish regional bank serving 6+ million retail and ~38,800 corporate customers across Poland, Czechia and Slovakia with PLN 300+ billion in assets.
Rationale
Strong 12-1 momentum (0.53) is reinforced by fundamental quality — record Q2 2026 net profit of PLN 1.06 billion, ROTE of 21.9%, and 18% ROE — confirming the price trend is anchored in genuine earnings acceleration rather than pure sentiment rotation.
Material risks
- 1Legacy FX-mortgage litigation remains an unresolved cash drain (PLN 78 million estimated in Q3 2026 alone), creating recurring earnings noise that can abruptly compress the quality metrics driving the screen.
- 2The WIBOR-to-POLSTR benchmark transition and the 0.5% systemic-risk buffer introduce NIM uncertainty precisely when the momentum thesis depends on sustained earnings delivery.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.