← Quality Momentum
QM · rank #10 · 2026-10-21
MBK
GPW · PLN · $15.37B (USD)
SignalStrong Buy2.8strength 2.8 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +65.68% |
|---|---|
| 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). | $15.37B |
| Anchor (recent) Close on 2026-09-21 | $1,516.00 |
| 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 SA is a digitally focused Polish regional bank operating across Poland, Czechia, and Slovakia with over PLN 300 billion in assets and 6 million retail clients.
Rationale
High 18.2% ROE and record Q2 2026 net profit of PLN 1.06 billion validate the high-quality earnings backing the 65.7% 12-1 price momentum signal.
Material risks
- 1Legacy foreign-currency mortgage litigation and ongoing provisioning costs, estimated at PLN 78 million for Q3 2026.
- 2Net interest margin compression stemming from Polish benchmark reform as mortgage origination shifts from WIBOR to compounded POLSTR 1M.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed