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Banco Macro S.A. (BMA) Stock Analysis

Catalyst-Driven edge

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Engine safety override at $73.56: Quality below floor (3.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 5.0:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality.

Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It offers various retail banking products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage... Read more

$73.56+40.2% A.UpsideScore 5.7/10#86 of 142 Banks - Regional
Stop $70.20Target $102.25(analyst − 13%)A.R:R 5.0:1
Analyst target$117.53+59.8%9 analysts
$102.25our TP
$73.56price
$117.53mean
$152

Sell if holding. Engine safety override at $73.56: Quality below floor (3.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 5.0:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.7/10, moderate confidence.

Passes 6/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 27d clear, semi cycle peak clear). Fails on weak momentum. Suitability: aggressive.

Thesis

Rewards
No bull case signals
Risks
Quality below floor (3.5 < 4.0)

Key Metrics

P/E (TTM)23.0
P/E (Fwd)7.4
Mkt Cap$4.7B
EV/EBITDA
Profit Mgn7.1%
ROE5.5%
Rev Growth-3.3%
Beta0.66
Dividend5.02%
Rating analysts12

Quality Signals

Piotroski F3/9

Options Flow

P/C0.24bullish
IV67%elevated
Max Pain$65-11.6% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
0.4
Growth Rank
0.8
Value Rank
5.1

Quality below the gate floor. Component breakdown shows what dragged the score down.static

Gross Margin
0.0
Roa
0.9
Roe
1.8
Piotroski F
3.3
Net Margin
3.6
Moat
5.0
Operating Margin
9.6
No competitive moatWeak Piotroski F-Score: 3/9
GatesMomentum 4.5<4.5A.R:R 5.0 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 27d clearSEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
31 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $72.37Resistance $83.50

Price Targets

$70
$102
A.Upside+39.0%
A.R:R5.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Quality below floor (3.5 < 4.0)
! Momentum score 4.5/10 — below 4.5 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-05-27 (27d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BMA stock a buy right now?

Sell if holding. Engine safety override at $73.56: Quality below floor (3.5 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 5.0:1 is above the 1.5:1 BUY gate. Specifically: Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $70.20. Score 5.7/10, moderate confidence.

What is the BMA stock price target?

Take-profit target: $102.25 (+40.2% upside). Prior stop was $70.20. Stop-loss: $70.20.

What are the risks of investing in BMA?

Quality below floor (3.5 < 4.0).

Is BMA overvalued or undervalued?

Banco Macro S.A. trades at a P/E of 23.0 (forward 7.4). TrendMatrix value score: 8.9/10. Verdict: Sell.

What do analysts say about BMA?

12 analysts cover BMA with a consensus score of 4.2/5. Average price target: $118.

What does Banco Macro S.A. do?Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It...

Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It offers various retail banking products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines, and money transfers. The company also provides personal loans, document discounts, residential mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services, including deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services; and trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; and working capital facilities, credit for investment projects, and leasing and foreign trade transactions. Further, the company provides transaction services, such as cash management, collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; information services to corporate customers; and internet and mobile banking services. Additionally, it offers short-term and medium-to-long-term corporate lending products. Banco Macro S.A. was incorporated in 1966 and is headquartered in Buenos Aires, Argentina.

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