← Quality Momentum
QM · rank #10 · 2026-10-23
MBK
GPW · PLN · $15.86B (USD)
SignalHold
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +68.04% |
|---|---|
| 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). | $15.86B |
| Anchor (recent) Close on 2026-09-23 | $1,512.00 |
| Anchor (far) Close on 2025-09-23 | $899.80 |
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 provides digital retail and corporate banking services across Poland, Czechia, and Slovakia to over six million customers.
Rationale
Top-quartile momentum (68.04%) and strong quality metrics (18.15% ROE, 32.33% profit margin) are reinforced by record Q2 net profits of PLN 1.06 billion and 21.9% ROTE.
Material risks
- 1Legacy foreign-currency mortgage litigation and settlement expenses, including the estimated PLN 78 million legal-risk charge for Q3 2026.
- 2Regulatory margin compression and execution friction from the transition of new mortgages from WIBOR to compounded POLSTR 1M.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Claude
Caution
Gemini
Proceed