mBank (MBK.WA) Stock Price
mBank Price
Revenue has compounded at 10.9% per year over the past 19 years to 14.11 B PLN. Earnings per share have grown at 10.4% per year over the last 19 years. mBank's net margin stands at 25.1%, up from -16.6% several years earlier. mBank currently offers a dividend yield of about 0.38%. The payout ratio is around 17% of earnings. Analysts set a median price target of 890.46 PLN, implying 34.6% below the current price. Of 12 analysts, 1 rate the stock a buy — an overall Sell consensus. The stock trades about 57% above its 52-week low.
mBank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of mBank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how mBank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing mBank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | mBank Price |
|---|---|
| 9/2/2026 | 1,361.00 PLN |
| 9/1/2026 | 1,345.50 PLN |
| 8/31/2026 | 1,361.00 PLN |
| 8/28/2026 | 1,354.00 PLN |
| 8/27/2026 | 1,368.50 PLN |
| 8/26/2026 | 1,392.00 PLN |
| 8/25/2026 | 1,370.50 PLN |
| 8/24/2026 | 1,364.50 PLN |
| 8/21/2026 | 1,385.50 PLN |
| 8/20/2026 | 1,386.00 PLN |
| 8/19/2026 | 1,377.50 PLN |
| 8/18/2026 | 1,400.00 PLN |
| 8/17/2026 | 1,420.00 PLN |
| 8/14/2026 | 1,431.00 PLN |
| 8/13/2026 | 1,405.50 PLN |
| 8/12/2026 | 1,411.00 PLN |
| 8/11/2026 | 1,415.00 PLN |
| 8/10/2026 | 1,417.50 PLN |
| 8/7/2026 | 1,415.00 PLN |
| 8/6/2026 | 1,436.50 PLN |
| 8/5/2026 | 1,419.50 PLN |
| 8/4/2026 | 1,408.00 PLN |
| 7/31/2026 | 1,351.50 PLN |
| 7/30/2026 | 1,350.50 PLN |
| 7/29/2026 | 1,344.00 PLN |
| 7/28/2026 | 1,317.50 PLN |
| 7/27/2026 | 1,324.00 PLN |
| 7/24/2026 | 1,303.50 PLN |
| 7/23/2026 | 1,308.00 PLN |
| 7/22/2026 | 1,360.00 PLN |
mBank Revenue, Pre-Provision Profit, Net Income
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mBank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB PLN |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB PLN |
| Non-Interest IncomeB PLN |
| Loan Loss ProvisionsB PLN |
| Pre-Provision Profit (PPOP)B PLN |
| NET INCOMEB PLN |
| NET INCOME GROWTH% |
| DIVIDENDDIV.PLN |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5.81 | 6.02 | 6.06 | 6.76 | 7.37 | 7.27 | 7.44 | 12.80 | 18.33 | 18.49 | 18.68 | 12.42 | 13.32 | 14.00 | 13.24 | 13.52 |
| -3.10 | 3.56 | 0.71 | 11.55 | 8.92 | -1.32 | 2.38 | 72.02 | 43.19 | 0.87 | 1.02 | -33.53 | 7.25 | 5.17 | -5.48 | 2.11 |
| 2.51 | 2.83 | 3.14 | 3.50 | 4.00 | 4.01 | 4.10 | 5.92 | 8.87 | 9.59 | 10.02 | – | – | – | – | – |
| 2.15 | 2.15 | 2.01 | 2.25 | 2.29 | 2.58 | 3.01 | 3.54 | 3.50 | 3.97 | 4.09 | – | – | – | – | – |
| 0.42 | 0.37 | 0.51 | 0.53 | 0.71 | 1.23 | 0.87 | 0.82 | 1.08 | 0.59 | 0.75 | – | – | – | – | – |
| 2.04 | 2.00 | 2.04 | 2.31 | 2.27 | 1.84 | 0.28 | 0.71 | 2.05 | 3.56 | 5.77 | – | – | – | – | – |
| 1.30 | 1.22 | 1.09 | 1.30 | 1.01 | 0.10 | -1.18 | -0.70 | 0.02 | 2.24 | 3.54 | 4.17 | 4.93 | 5.45 | 4.95 | 5.03 |
| 1.17 | -6.30 | -10.50 | 19.34 | -22.43 | -89.80 | -1,243.69 | -40.41 | -103.42 | 9,245.83 | 57.96 | 17.70 | 18.32 | 10.50 | -9.21 | 1.56 |
| – | – | – | 5.15 | – | – | – | – | – | – | – | 5.15 | 5.15 | 5.15 | – | – |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
| 42.20 | 42.30 | 42.30 | 42.30 | 42.40 | 42.40 | 42.40 | 42.40 | 42.52 | 42.54 | 42.56 | 42.56 | 42.56 | 42.56 | 42.56 | 42.56 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales mBank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue mBank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare mBank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares mBank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against mBank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
mBank stock margins
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mBank Revenue per Share, Earnings per Share
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mBank business model & stock analysis
mBank SWOT Analysis
Strengths
mBank SA has established a strong brand presence in the banking industry, particularly in Poland.
The bank has a well-diversified product portfolio, offering a wide range of financial services including personal banking, corporate banking, investment banking, and asset management.
mBank SA has a robust technological infrastructure, enabling it to provide efficient and secure online banking services to its customers.
Weaknesses
The bank heavily relies on the Polish market, which makes it vulnerable to changes in the local economy and regulatory environment.
mBank SA has a relatively smaller market share compared to some of its competitors, limiting its ability to exert influence in the industry.
The bank has faced criticism for its customer service quality, leading to potential reputational risks.
Opportunities
mBank SA can expand its operations into untapped international markets to reduce its dependency on the Polish market.
There is a growing demand for innovative financial technology (fintech) services, which the bank can leverage to enhance its offerings and attract new customers.
The bank can collaborate with emerging fintech startups to develop new products and services, fostering innovation within the organization.
Threats
Increasing competition from both traditional banks and emerging fintech companies poses a threat to mBank SA's market position.
Economic downturns or financial crises can negatively impact consumer confidence and reduce the demand for banking services.
Changes in regulations and compliance requirements can create operational challenges and increase costs for the bank.
mBank Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
mBank historical P/E ratio, EBIT multiple, and P/S ratio
mBank annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
mBank shares outstanding
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mBank stock splits
mBank Dividend History
13 years of dividend payments
mBank dividend payout ratio
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Current mBank forecasts and price targets in September 2026
Analyst Price Targets 2026mBank Earnings Calls
mBank Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 10/29/2020 | -PLN | - | 1.23 BPLN | - | 2020 Q3 |
| 4/30/2020 | -PLN | - | 1.47 BPLN | - | 2020 Q1 |
| 2/6/2020 | -PLN | - | 1.30 BPLN | - | 2019 Q4 |
| 10/30/2018 | -PLN | - | 1.23 BPLN | - | 2018 Q3 |
| 2/4/2016 | 7.63PLN | - | 1.07 BPLN | - | 2015 Q4 |
| 10/29/2015 | 6.64PLN | - | 971.81 MPLN | - | 2015 Q3 |
| 7/30/2015 | 7.94PLN | - | 952.54 MPLN | - | 2015 Q2 |
| 2/5/2015 | 7.74PLN | - | 970.49 MPLN | - | 2014 Q4 |
| 2/6/2014 | 6.38PLN | - | 943.81 MPLN | - | 2013 Q4 |
| 4/30/2013 | 6.73PLN | - | 846.15 MPLN | - | 2013 Q1 |
EESG©
Eulerpool ESG Scorecard© for the mBank stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
mBank shareholder structure
| % | Name |
|---|---|
68.96844% | |
5.28197% | |
1.03873% | |
0.73869% | |
0.41251% | |
0.19450% |
mBank Beneficial Ownership Filings (SEC 13D/G)
mBank Executives and Management Board
20 members · avg. age 53 · 40 % women
Mr. Cezary Kocik (53)
President of the Management Board, Chief Executive Officer
3.86 M PLN
Management
Ms. Julia Nusser
Vice Chairman of the Management Board, Chief People and Regulatory Officer
Mr. Pascal Ruhland
Vice Chairman of the Management Board, Chief Financial Officer
Mr. Krzysztof Dabrowski
Vice President of the Management Board, Head of Operations and Information Technology
Mr. Adam Pers
Vice President of the Management Board, Head of Corporate and Investment Banking
Mr. Marek Lusztyn
Vice President of the Management Board, Chief Risk Officer
Mr. Krzysztof Bratos
Vice-President of the Management Board - Retail Banking
Board of Directors
Dr. Agnieszka Slomka-Golebiowska
Independent Chairwoman of the Supervisory Board · since 2014
Mr. Tomasz Bieske
Independent Member of the Supervisory Board
Mr. Miroslaw Godlewski
Independent Member of the Supervisory Board
Ms. Aleksandra Gren
Independent Member of the Supervisory Board
Dr. Hans-Georg Beyer
Member of the Supervisory Board
Mr. Bernhard Spalt (57)
Deputy Chairman of the Supervisory Board · since 2024
Frequently asked questions about mBank
The business model of mBank SA revolves around providing a comprehensive range of financial services to its customers. As a leading commercial bank in Poland, mBank SA aims to meet the diverse needs of individuals, small and medium-sized enterprises, as well as corporate clients. The bank functions through a combination of traditional brick-and-mortar branches and innovative digital channels, ensuring a convenient and accessible banking experience. mBank SA focuses on delivering tailored solutions, including banking products, loans, investment services, insurance, and asset management. With a strong emphasis on technology and customer-centric approach, mBank SA strives to maintain its position as a reliable and client-oriented financial institution.
mBank SA is primarily active in the banking and financial services industry.
The main competitors of mBank SA in the market include major players such as PKO Bank Polski, Alior Bank, and ING Bank Śląski. These banks operate in the same market and offer similar financial products and services, posing competition for mBank SA. However, mBank SA strives to differentiate itself through its innovative digital banking solutions, customer-centric approach, and focus on providing a seamless and convenient banking experience. By continuously adapting to market trends and investing in advanced technologies, mBank SA effectively competes against its rivals to maintain its position in the financial sector.
mBank SA, also known as just mBank, is a prominent Polish commercial bank. Established in 1986 as BRE Bank, it was rebranded as mBank in 2013. The bank has a rich history and is recognized for its innovative banking solutions and customer-centric approach. mBank focuses on retail and corporate banking services, offering a wide range of financial products including loans, savings accounts, insurance, and investment services. With its strong presence in the Polish market, mBank has expanded internationally and is regarded as one of the leading banks in Central and Eastern Europe. mBank SA has built a reputation for its technological advancements and commitment to providing reliable and efficient banking services.
mBank SA, a leading financial institution, has achieved several significant milestones throughout its history. One such milestone was its successful initial public offering (IPO) in 2011, which marked a new chapter of growth and expansion for the company. The acquisition of Bank Rozwoju Eksportu SA (BRE Bank) in 2013 further solidified mBank SA's position in the market and allowed it to strengthen its portfolio of services and enhance customer satisfaction. In recent years, mBank SA has been recognized for its digital transformation efforts, pioneering innovative solutions, and receiving prestigious industry awards. These milestones reflect mBank SA's commitment to excellence and continuous progress in the financial sector.
mBank SA, a renowned financial institution based in Poland, primarily operates within the country itself. As a leading bank, mBank SA serves customers from various regions of Poland, including major cities like Warsaw, Kraków, and Wrocław. With its extensive branch network and technological advancement, mBank SA offers a wide range of financial products and services to cater to the diverse needs of its customers across the nation.
mBank SA represents a strong commitment to customer-centric values and transparent corporate philosophy. With a focus on providing innovative and tailored financial solutions, mBank SA strives to meet the diverse needs of its clients. The company values excellence, integrity, and accountability, which are reflected in its efficient and reliable services. By employing a combination of cutting-edge technology and personalized approach, mBank SA aims to foster long-term partnerships with its customers, while consistently driving innovation in the banking industry.
Analysts currently set an average price target of 920.91 PLN for the mBank stock (median: 890.46 PLN), implying -34.3 % versus the latest price. The consensus is based on 12 analyst ratings.
12 analysts currently rate the mBank stock: 1 recommend buying, 4 holding and 7 selling. For 2026, analysts expect mBank to generate revenue of 12.42 B PLN and earnings per share of 98.00 PLN.
Converted at the current exchange rate, the mBank share trades at 315.48 EUR (1,361.00 PLN).
The mBank share (MBK.WA) is listed on 7 stock exchanges, including: Frankfurt (BRU.F), München (BRU.MU), London (0DU3.L), SIX (Zürich) (BRU.SW).
The mBank SA is a Polish bank focused on digital solutions and customer satisfaction. Its business model is based on various areas such as private and business customers, wealth management, and investments. In the area of private customers, mBank offers various products and services. One core product is the free and online opening of a current account. Customers have the possibility to easily and conveniently manage their accounts. Another product is the mKonto app, which allows customers to keep track of their finances at any time and from anywhere. In addition, the bank offers credit cards, savings and investment products, as well as insurance. mBank relies on transparent and fair products to gain customers' trust. For business customers, mBank SA offers tailored solutions. This includes the mBiz portal, which provides a variety of functions to simplify payment transactions and accounting. Additionally, the bank offers loans, leasing, factoring, and trade finance. mBank focuses on personal and individual advice to best meet customer needs. In the area of wealth management, mBank SA offers a wide range of funds based on strategic and tactical asset allocation. The bank applies risk management with a long-term perspective on customers' capital. In the area of investments, there are various offerings such as structured products and certificates tailored to customer needs. mBank also offers investors access to international markets or trading instruments such as forex and CFDs. Another business model of the bank is the digitalization of financial products. mBank aims to provide customers with a seamless and intuitive experience that is also accessible on mobile devices. To achieve this, the bank has developed a range of products, such as the mPay wallet, which allows customers to pay anytime and anywhere. In the area of sustainability, mBank focuses on a clear CSR strategy that takes into account social, environmental, and economic aspects in decision-making. The bank offers products and services that contribute to reducing environmental impact or promoting energy efficiency. Overall, mBank SA's business model is based on digital transformation to enhance the customer experience. The bank offers a variety of products and services tailored to the needs of private and business customers. mBank focuses on a clear CSR strategy and strives to integrate sustainability into its core business.
The expected revenue of mBank is 12.42 B PLN. This figure is based on current financial data and reflects the company's business performance.
The expected profit of mBank is 4.17 B PLN. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of mBank is currently 13.89. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the mBank stock.
The price-to-sales ratio (P/S) of mBank is currently 4.66. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the mBank stock.
The Eulerpool Quality Score for mBank is 3/10.
The ISIN of mBank is PLBRE0000012. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of mBank is 884537. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of mBank is MBK.WA. The ticker symbol is used to trade mBank shares on the stock exchange.
Over the past 12 months, mBank paid a dividend of 5.15 PLN . This corresponds to a dividend yield of about 0.38 %. For the coming 12 months, mBank is expected to pay a dividend of 5.15 PLN.
The current dividend yield of mBank is 0.38 %.
mBank pays a dividend, distributed in the months of , , , .
mBank paid dividends every year for the past 0 years.
For the upcoming 12 months, dividends amounting to 5.15 PLN are expected. This corresponds to a dividend yield of 0.38 %.
mBank is assigned to the 'Finance' sector.
To receive the latest dividend of mBank from amounting to 5.15 PLN, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
The dividends of mBank are distributed in PLN.
mBank stock
mBank Peer Group
mBank Ticker
mBank FIGI
All fundamentals and in-depth analysis of mBank
Our stock analysis for mBank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of mBank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.