The company is experiencing positive outlooks with projected EPS growth of 9% for 2025 and 11% for 2026, supported by upward adjustments to net interest income estimates driven by strong Q2 performance. Recent upgrades cite improved deposit growth, asset quality, and earnings, with revenues and profits rising from higher net interest margins and effective asset repricing.
Cyborg Score Rationale
Popular has a market cap of $7.67B with trailing revenue of $2.88B, 27% profit margin, 11.6% revenue growth, and 13.1% ROE, demonstrating solid profitability. However, the company faces risks from reliance on Puerto Rico's stable economic forecast, and despite earnings beats has shown modest stock performance reflecting investor caution.
Top Insights
Q3 2025 reported net income of $211.3M driven by higher revenues and improved net interest margins with strong earnings growth.
Q3 2025 shows declining non-performing loans and expected net interest income growth from portfolio reinvestments.
Banco Popular de Puerto Rico was recognized as 'Bank of the Year Puerto Rico' with a conservative 57% loan-to-deposit ratio allowing flexibility.
Economic stability in Puerto Rico is critical to Popular's outlook; any unfavorable developments could adversely impact financial metrics and estimates.
Named Competitors
First BanCorp — Regional bank competing in Puerto Rico banking market
OFG (Oriental Financial Group) — Puerto Rico-based financial services competitor
Santander Puerto Rico — International bank with US and Puerto Rico operations
RegionalUS Banks — Competing for mainland US retail and commercial banking
Recent Developments
January 2026: Multiple analyst price target increases from Truist ($164), Citi ($161), and RBC Capital.
February 2026: Popular upgraded to Buy from Neutral at Bank of America with price targets raised at UBS.
Q3 2025: Upgraded to soft Buy due to improved deposit growth, asset quality, and earnings.
October 2025: Q3 2025 earnings showed net income of $211.3M with improved net interest margins.
Open the full interactive Popular, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.