mBank (WAR:MBK) ROE % Adjusted to Book Value: 8.46% (As of Mar. 2026)


WAR:MBK mBank SA WAR:MBK
67 GF Score
Price zł1,358.50
GF Value zł732.10
Valuation Significantly Overvalued
! 6 Warning Signs
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What is mBank ROE % Adjusted to Book Value?

mBank WAR:MBK -1.02% 67 ROE % Adjusted to Book Value is 8.46% as of Mar. 2026. GuruFocus rates WAR:MBK with a GF Score™ of 67/100 and a GF Value™ of zł732.10 (Significantly Overvalued). The stock has 6 warning signs investors should review.

mBank's ROE % for the quarter that ended in Mar. 2026 was 17.43%. mBank's PB Ratio for the quarter that ended in Mar. 2026 was 2.06. mBank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 8.46%.

mBank ROE % Adjusted to Book Value Related Terms

mBank ROE % Adjusted to Book Value Historical Data

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The historical data trend for mBank's ROE % Adjusted to Book Value can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

mBank ROE % Adjusted to Book Value Chart

mBank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.79 -5.37 0.11 10.87 8.57

mBank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.36 11.59 8.96 9.44 8.46

WAR:MBK vs PNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, mBank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

mBank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, mBank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where mBank's ROE % Adjusted to Book Value falls into.


WAR:MBK
67GF Score
mBank SA WAR:MBK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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mBank ROE % Adjusted to Book Value Calculation

mBank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.09% / 2.11
=8.57%

mBank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.43% / 2.06
=8.46%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a ROE % Adjusted to Book Value of 8.46% mean?
mBank (WAR:MBK) has a ROE % Adjusted to Book Value of 8.46% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on mBank and its competitors.
Is mBank's ROE % Adjusted to Book Value too high?
mBank's current ROE % Adjusted to Book Value is 8.46%. Overall, mBank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does mBank's ROE % Adjusted to Book Value compare to PNC?
mBank's ROE % Adjusted to Book Value of 8.46% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on mBank and its competitors. mBank's current ROE % Adjusted to Book Value is 8.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is mBank stock overvalued right now?
Based on GuruFocus' analysis, mBank (WAR:MBK) is currently considered Significantly Overvalued. The stock's GF Value™ is zł732.10, compared to a current price of zł1,358.50 — trading 85.6% above its estimated fair value. The current ROE % Adjusted to Book Value is 8.46%. mBank's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For mBank (WAR:MBK), the current ROE % Adjusted to Book Value is 8.46% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is mBank (WAR:MBK) Overvalued in 2026?

Based on GuruFocus' analysis, mBank stock appears to be overvalued. The current stock price of zł1,358.50 is trading 85.6% above its estimated GF Value™ of zł732.10. GuruFocus considers mBank to be Significantly Overvalued.

Key valuation signals for WAR:MBK:

  • ROE % Adjusted to Book Value: 8.46%
  • GF Value™: zł732.10 vs. price of zł1,358.50 (85.6% above fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the WAR:MBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

mBank Business Description

Other Exchanges BRU:Germany
Address 18 Prosta Street, Warsaw, POL, 00-850
mBank SA is a financial services group operating in Poland, as well as the Czech Republic and Slovakia. Its primary business is retail, corporate, and investment banking, but the company also conducts leasing, factoring, and wealth management operations, among other financial services. The group offers insurance policies through a strategic partnership. The bank plans to emphasize customer service, particularly in the development of its banking solutions. The group conducts its business segments in The Retail Banking segment, The Corporate and Investment Banking segment, The Treasury and Other segments, and the FX Mortgage Loans segment and the majority of its revenue is generated from the retail banking segment.
67GF Score

Get the complete analysis for WAR:MBK

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł1,358.50
Price
zł732.10
GF Value