← Quality Momentum
QM · rank #9 · 2026-10-22
MBK
GPW · PLN · $15.51B (USD)
SignalStrong Buy3.5strength 3.5 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +71.90% |
|---|---|
| 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). | $15.51B |
| Anchor (recent) Close on 2026-09-22 | $1,526.50 |
| Anchor (far) Close on 2025-09-22 | $888.00 |
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 operates a digital-first retail and corporate banking platform in Poland, Czechia, and Slovakia, serving over 6 million retail customers with more than PLN 300 billion in assets.
Rationale
Strong 12-1 price momentum (71.9%) is backed by solid quality metrics, including an 18.2% ROE, 32.3% profit margin, and record Q2 2026 net profit of PLN 1.06 billion.
Material risks
- 1Persistent litigation and provisioning expenses stemming from legacy foreign-currency (CHF) mortgages, including an estimated PLN 78 million charge in Q3 2026.
- 2Regulatory and interest-rate headwinds, including the switch from WIBOR to POLSTR 1M and the upcoming Q3 earnings release on October 28, 2026.
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