← Quality Momentum
QM · rank #12 · 2026-10-27
MBK
GPW · PLN · $15.10B (USD)
SignalSell
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +65.65% |
|---|---|
| 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). | $15.10B |
| Anchor (recent) Close on 2026-09-25 | $1,495.50 |
| Anchor (far) Close on 2025-09-26 | $902.80 |
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 is a digitally focused Polish universal bank serving approximately six million retail and corporate customers with over PLN 300 billion in total assets.
Rationale
Robust 18.15% ROE, 32.33% profit margins, and strong 0.6565 12-1 momentum are supported by expanding earnings as legacy CHF mortgage litigation costs drop to an estimated PLN 78 million in Q3 2026.
Material risks
- 1Immediate event volatility and potential guidance disruption from the Q3 2026 earnings release scheduled one day after the signal date (October 28, 2026).
- 2Adverse Polish or European court rulings on legacy foreign-currency (CHF) mortgages re-escalating legal provisions and compressing net income.
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