← Quality Momentum
QM · rank #13 · 2026-10-27
MIL
GPW · PLN · $6.61B (USD)
SignalSell
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +58.89% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +14.2% |
| Profit margin Net profit margin, trailing 12 months. | +20.5% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $6.61B |
| Anchor (recent) Close on 2026-09-25 | $23.50 |
| Anchor (far) Close on 2025-09-26 | $14.79 |
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
Bank Millennium (MIL@GPW) is a Polish regional bank with strong retail, corporate and digital franchise momentum, growing loans/deposits and improving profitability.
Rationale
The quant signal is supported by a solid 12-month price trend, 14%+ ROE, 20%+ profit margin and recent 1H26 earnings acceleration, which fits a quality-momentum setup.
Material risks
- 1Foreign-currency mortgage litigation remains the key thesis breaker, with PLN 154 million of 3Q26 provisions already estimated and further legal costs able to hit reported profits.
- 2Lower Polish rates and intense digital banking competition could compress net interest income and slow the momentum in margins, deposit pricing and lending growth.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Caution