📊 BMA Key Takeaways
Is Macro Bank Inc. (BMA) a Good Investment?
Unable to conduct meaningful fundamental analysis due to complete absence of financial data from SEC filings. All critical metrics including income statement items, balance sheet components, and cash flow data are unavailable, making any investment assessment impossible.
Macro Bank’s fundamentals are mixed: it finished 2025 with solid capital, strong liquidity, and healthy franchise growth in loans, deposits, and market share, but full-year profitability weakened materially versus 2024. The core banking engine improved through higher net interest income and better efficiency, yet earnings quality remains exposed to rising credit costs, a sharp increase in non-performing loans, and heavy dependence on Argentina’s inflation, tax, and sovereign-securities environment.
Why Buy Macro Bank Inc. Stock? BMA Key Strengths
- No strengths identified
- Very strong solvency, with a 30.6% Basel III capital adequacy ratio and Ps.3.61 trillion of excess capital in 4Q25
- High liquidity and stable funding, with liquid assets equal to 73% of deposits and private-sector deposits representing most liabilities
- Good franchise growth quality, with 2025 loans up 40% YoY, deposits up 24% YoY, and gains in private-sector loan and deposit market share
BMA Stock Risks: Macro Bank Inc. Investment Risks
- No financial data available from SEC EDGAR
- Unable to assess profitability, liquidity, or solvency
- No visibility into asset quality, capital ratios, or loan portfolio health - critical for banking sector analysis
- Impossible to evaluate operational trends or financial stability
- No insider trading activity data to gauge management confidence
- Profitability weakened in 2025, with net income down 32% YoY and operating income down 56% YoY
- Asset quality deteriorated sharply, with the non-performing loan ratio rising to 3.87% from 1.28% a year earlier and loan-loss provisions up 274% YoY
- Earnings remain sensitive to Argentina macro conditions, including inflation, high effective tax burden, and meaningful exposure to government securities
Key Metrics to Watch
- Net Interest Margin (NIM)
- Loan Loss Provision Ratio
- Tier 1 Capital Ratio
- Return on Assets (ROA)
- Efficiency Ratio
- Non-performing loan ratio and coverage ratio
- ROAE/ROAA trend alongside loan-loss provisions
Macro Bank Inc. (BMA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BMA Profit Margin, ROE & Profitability Analysis
BMA vs Finance Sector: How Macro Bank Inc. Compares
How Macro Bank Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Macro Bank Inc. Stock Overvalued? BMA Valuation Analysis 2026
Based on fundamental analysis, Macro Bank Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Macro Bank Inc. Balance Sheet: BMA Debt, Cash & Liquidity
BMA Revenue Growth, EPS Growth & YoY Performance
BMA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Macro Bank Inc. (CIK: 0001347426)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Aug 12, 2024 | SC 13D | tm241329d1_sc13d.htm | View → |
❓ Frequently Asked Questions about BMA
What is the AI rating for BMA?
Macro Bank Inc. (BMA) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 41% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BMA's key strengths?
Claude: . ChatGPT: Very strong solvency, with a 30.6% Basel III capital adequacy ratio and Ps.3.61 trillion of excess capital in 4Q25. High liquidity and stable funding, with liquid assets equal to 73% of deposits and private-sector deposits representing most liabilities.
What are the risks of investing in BMA?
Claude: No financial data available from SEC EDGAR. Unable to assess profitability, liquidity, or solvency. ChatGPT: Profitability weakened in 2025, with net income down 32% YoY and operating income down 56% YoY. Asset quality deteriorated sharply, with the non-performing loan ratio rising to 3.87% from 1.28% a year earlier and loan-loss provisions up 274% YoY.
What is BMA's revenue and growth?
Macro Bank Inc. reported revenue of N/A.
Does BMA pay dividends?
Macro Bank Inc. does not currently pay dividends.
Where can I find BMA SEC filings?
Official SEC filings for Macro Bank Inc. (CIK: 0001347426) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BMA's EPS?
Macro Bank Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BMA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Macro Bank Inc. has a HOLD rating with 41% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BMA stock overvalued or undervalued?
Valuation metrics for BMA: ROE of N/A (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BMA stock in 2026?
Our dual AI analysis gives Macro Bank Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BMA's free cash flow?
Macro Bank Inc.'s operating cash flow is N/A, with capital expenditures of N/A.
How does BMA compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).