Popular, Inc. (BPOP)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Popular, Inc. (BPOP) trades at $168.04 with AI Score 96/100 (Grade A+). Popular, Inc. Market cap: $10.85B, Sector: Financial services.
Price live · AI analysis from May 10, 2026BPOP stock analysis for 2026: Analysts have set a consensus price target of $157.00 for Popular, Inc., suggesting 6.6% downside from the current price of $168.04. The AI MoonshotScore is 96/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
BPOP: 6/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Popular, Inc. (BPOP) Financial Services Profile
Popular, Inc., a regional bank with a $10.85B market cap, focuses on retail, mortgage, and commercial banking in Puerto Rico, the U.S., and the British Virgin Islands. Operating with a 20.4% profit margin and a 1.98% dividend yield, it balances a strong regional presence with competition from larger national banks and other regional players.
What Is the Investment Thesis for BPOP?
Popular, Inc. presents a compelling investment case based on its strong regional presence and diversified banking services. With a P/E ratio of 11.2 and a profit margin of 20.4%, the company demonstrates solid profitability. The dividend yield of 1.98% offers an additional incentive for investors. Key growth catalysts include expansion of its digital banking services and strategic acquisitions within its existing markets. However, potential risks include economic fluctuations in Puerto Rico and increasing competition from larger national banks. Monitoring loan portfolio performance and adapting to evolving regulatory landscapes are crucial for sustained growth. The company's beta of 0.61 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
BPOP Key Highlights
- Market Cap of $10.85B indicates a substantial and established financial institution.
- P/E Ratio of 11.2 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 20.4% demonstrates strong profitability and efficient operations.
- Gross Margin of 68.2% highlights the company's ability to generate revenue efficiently.
- Dividend Yield of 1.98% provides a steady income stream for investors.
Who Are BPOP's Competitors?
BPOP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ZION Zions Bancorporation, National Association | $70.60 | +1.80% | $10.38B | 91 |
| UMBF UMB Financial Corporation | $144.40 | +0.42% | $10.97B | 87 |
| ONB Old National Bancorp | $26.33 | +1.26% | $10.17B | 70 |
| WAL Western Alliance Bancorporation | $82.58 | +1.27% | $9.02B | 31 |
| BOKF BOK Financial Corporation | $140.16 | +0.62% | $8.52B | 88 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BPOP's Key Strengths?
- Strong market position in Puerto Rico.
- Diversified revenue streams.
- Solid capital base.
- Experienced management team.
What Are BPOP's Weaknesses?
- Geographic concentration in Puerto Rico exposes it to regional economic risks.
- Competition from larger national banks.
- Exposure to regulatory changes.
- Dependence on interest rate environment.
What Could Drive BPOP Stock Higher?
- Expansion of digital banking services to attract younger demographics.
- Strategic acquisitions to increase market share in existing regions.
- Launch of new wealth management products in Q3 2026.
- Focus on increasing commercial lending activities to drive revenue growth.
What Are the Key Risks for BPOP?
- Financial-distress signal — its Altman Z-Score of -0.36 sits in the distress zone (elevated bankruptcy risk).
- Insider selling — insiders were net sellers of roughly $5.0M recently.
- Economic downturn in Puerto Rico impacting loan portfolio performance.
- Increased competition from larger national banks and fintech companies.
- Rising interest rates affecting net interest margin.
- Regulatory compliance costs impacting profitability.
- Cybersecurity threats and data breaches compromising customer data.
What Are the Growth Opportunities for BPOP?
- Expansion of Digital Banking Services: Popular, Inc. can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces, secure transactions, and personalized services can attract new customers and retain existing ones. The global digital banking market is projected to reach $1.61 trillion by 2027, presenting a significant growth opportunity. Timeline: Ongoing.
- Strategic Acquisitions in Core Markets: Acquiring smaller banks or financial institutions in Puerto Rico, the United States, and the British Virgin Islands can expand Popular, Inc.'s market share and customer base. Identifying targets with complementary services and a strong local presence can create synergies and drive revenue growth. The market for regional bank acquisitions is expected to remain active, offering attractive opportunities. Timeline: Ongoing.
- Increase Commercial Lending Activities: Focusing on expanding its commercial lending portfolio can drive revenue growth and diversify its income streams. Targeting small and medium-sized businesses (SMBs) with tailored loan products and financial services can create long-term relationships and generate recurring revenue. The SMB lending market is projected to grow significantly, driven by increasing demand for capital. Timeline: Ongoing.
- Enhance Wealth Management Services: Offering comprehensive wealth management services to high-net-worth individuals and families can generate fee-based income and strengthen customer relationships. Providing personalized investment advice, financial planning, and estate planning services can attract affluent clients and increase assets under management. The global wealth management market is expected to grow substantially, driven by increasing wealth accumulation. Timeline: Ongoing.
- Leverage Data Analytics for Personalized Services: Utilizing data analytics to understand customer preferences and behavior can enable Popular, Inc. to offer personalized products and services. Tailoring loan offerings, investment advice, and financial planning services to individual customer needs can enhance customer satisfaction and loyalty. The market for data analytics in financial services is rapidly expanding, driven by the increasing availability of data and advanced analytical tools. Timeline: Ongoing.
What Opportunities Does BPOP Have?
- Expansion into new markets.
- Growth in digital banking services.
- Strategic acquisitions.
- Increased wealth management offerings.
What Threats Does BPOP Face?
- Economic downturn in Puerto Rico.
- Increased competition from fintech companies.
- Rising interest rates.
- Regulatory compliance costs.
What Are BPOP's Competitive Advantages?
- Strong brand recognition and customer loyalty in Puerto Rico.
- Established branch network and ATM infrastructure in core markets.
- Diversified product and service offerings.
- Experienced management team with deep industry knowledge.
What Does BPOP Do?
Founded in 1893 and headquartered in Hato Rey, Puerto Rico, Popular, Inc. has evolved into a diversified financial institution. Initially serving the local Puerto Rican market, the company expanded its operations to the United States and the British Virgin Islands. Popular, Inc. operates through its subsidiaries, offering a comprehensive suite of banking products and services. These include savings accounts, NOW accounts, money market accounts, and certificates of deposit. The company also provides a range of loan products, such as commercial and industrial loans, commercial multi-family loans, commercial real estate loans, and residential mortgage loans. Consumer loans, including personal loans, credit cards, automobile loans, and home equity lines of credit, are also a significant part of their portfolio. Furthermore, Popular, Inc. offers construction loans and lease financing, including automobile loans and leases. Beyond traditional banking, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services. As of December 31, 2021, Popular, Inc. operated 169 branches and 616 ATMs in Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs in the United States Mainland.
What Products and Services Does BPOP Offer?
- Provides retail banking services to individuals and families.
- Offers mortgage lending for residential properties.
- Provides commercial banking services to businesses.
- Offers a variety of deposit accounts, including savings, checking, and money market accounts.
- Provides consumer loans, including personal loans and credit cards.
- Offers investment banking and brokerage services.
- Provides insurance services.
- Provides auto and equipment leasing and financing.
How Does BPOP Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as investment banking and wealth management.
- Collects fees from deposit accounts and other banking services.
- Manages risk through careful loan underwriting and diversification.
What Industry Does BPOP Operate In?
Popular, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by macroeconomic factors, interest rate fluctuations, and regulatory changes. The rise of fintech companies and digital banking solutions is reshaping the competitive landscape, requiring regional banks to adapt and innovate. Popular, Inc. differentiates itself through its strong presence in Puerto Rico and its focus on providing personalized services to its customers. Competitors such as Zions Bancorporation, National Association (ZION) and UMB Financial Corporation (UMBF) operate in similar markets, emphasizing the need for Popular, Inc. to maintain a competitive edge through superior customer service and innovative product offerings.
Who Are BPOP's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- High-net-worth individuals seeking wealth management services.
- Real estate developers and investors seeking mortgage financing.
Net sellingInsider Activity
Over the past six months, Popular, Inc. insiders filed 30 SEC Form 4 transactions — 8 sales and 22 purchases. On net that is roughly 20K shares disposed (about $5.0M), a signal worth weighing alongside the fundamentals.
Quarterly Financial Performance: Popular, Inc.
Revenue for Popular, Inc. came in at $1.11B during Q1 2026, a 1.0% contraction versus the preceding quarter. The company recorded net income of $245.7M, with diluted EPS of $3.78. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, BPOP averaged $3.38 in diluted EPS.
BPOP Valuation & Market Position
With a $10.85B market cap, Popular, Inc. sits in the large-cap segment of the market. Relative to its peer group, BPOP's quantitative score of 96/100 is above the peer average of 73/100.
ROE 15%Key Financial Metrics
Return on equity for Popular, Inc. stands at 14.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. BPOP trades at a trailing price-to-earnings ratio of 11.23, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.39 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Popular, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.36 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Popular, Inc. revenue of about $3.55B for fiscal 2026, with EPS near $15.04. The estimate reflects 3 contributing analysts.
Company Profile
Popular, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hato Rey, US. The company is led by CEO Javier D. Ferrer-Fernández. BPOP has traded publicly since 1980.
BPOP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's robust loan growth and customer acquisition strategies.
- Market perception is buoyed by the bank's strong position in Puerto Rico, which is recovering economically and increasing demand for financial services.
- Analysts have noted the bank's effective cost management, which is expected to enhance profitability in the coming quarters.
Bear Case
- Concerns about rising interest rates could impact the bank's loan portfolio and overall profitability, leading to cautious sentiment among investors.
- Social media discussions show a growing bearish view on the potential impact of economic uncertainty in the region, which could affect customer spending.
- Recent regulatory changes are causing apprehension, as they may impose additional compliance costs that could squeeze margins.
- Some community members express skepticism about the bank's ability to sustain its growth trajectory amidst increasing competition in the financial sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · February 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.11B | $246M | $3.78 |
| Q4 2025 | $1.12B | $234M | $3.53 |
| Q3 2025 | $1.10B | $211M | $3.14 |
| Q2 2025 | $1.07B | $210M | $3.09 |
Based on FMP financials and quantitative analysis
BPOP Latest News
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Popular, Inc. Declares Dividend on Preferred Stock and Announces Distribution on Trust Preferred Securities
businesswire.com · Jul 1, 2026
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1 Momentum Stock with Competitive Advantages and 2 Facing Challenges
Yahoo! Finance: BPOP News · Jun 30, 2026
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Popular, Inc. to Report Second Quarter Results and Hold Conference Call on Thursday, July 23, 2026
businesswire.com · Jun 30, 2026
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I Own a Popular Bond ETF With 1 Big Risk -- This Short-Term Bond Fund Might Be a Better Buy
fool.com · Jun 30, 2026
BPOP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BPOP.
Price Targets
Consensus target: $157.00
BPOP MoonshotScore
What does this score mean?
The MoonshotScore rates BPOP's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Popular, Inc. Declares Dividend on Preferred Stock and Announces Distribution on Trust Preferred Securities
1 Momentum Stock with Competitive Advantages and 2 Facing Challenges
Popular, Inc. to Report Second Quarter Results and Hold Conference Call on Thursday, July 23, 2026
I Own a Popular Bond ETF With 1 Big Risk -- This Short-Term Bond Fund Might Be a Better Buy
Leadership: Javier D. Ferrer-Fernández
President and Chief Executive Officer
Javier D. Ferrer-Fernández serves as the President and Chief Executive Officer of Popular, Inc. His career spans various leadership roles within the financial services industry. He has a strong background in banking operations, risk management, and strategic planning. Ferrer-Fernández is known for his focus on innovation and customer-centric solutions. He holds degrees in Business Administration and Finance, complemented by executive education programs at leading institutions.
Track Record: Under his leadership, Popular, Inc. has focused on enhancing its digital banking capabilities and expanding its presence in key markets. He has overseen strategic initiatives to improve operational efficiency and strengthen the company's financial performance. Key milestones include successful integration of acquired businesses and the launch of innovative banking products. He manages 9274 employees.
Popular, Inc. Financial Services Stock: Key Questions Answered
What does Popular, Inc. do?
Popular, Inc. is a diversified financial services company providing a range of banking products and services to individuals, businesses, and institutions. The company operates primarily in Puerto Rico, the United States, and the British Virgin Islands. Its core offerings include retail banking, mortgage lending, commercial banking, and wealth management services. Popular, Inc. generates revenue through interest income from loans, fees from services, and investment activities. The company aims to deliver value to its customers through personalized service, innovative solutions, and a strong commitment to the communities it serves.
What do analysts say about BPOP stock?
Analyst consensus on Popular, Inc. (BPOP) stock reflects a generally positive outlook, driven by the company's strong performance in its core markets and its diversified revenue streams. Key valuation metrics, such as the P/E ratio of 11.2, suggest that the stock is reasonably valued compared to its earnings. Growth considerations include the company's ability to expand its digital banking services and capitalize on strategic acquisition opportunities. Investors should monitor economic conditions in Puerto Rico and competitive pressures from larger national banks when evaluating BPOP stock.
What are the main risks for BPOP?
The main risks for Popular, Inc. (BPOP) include economic conditions in Puerto Rico, which could impact loan portfolio performance and overall profitability. Increased competition from larger national banks and fintech companies poses a threat to market share and revenue growth. Rising interest rates could negatively affect net interest margin and loan demand. Regulatory compliance costs and cybersecurity threats also present ongoing challenges. Effective risk management and strategic adaptation are crucial for mitigating these risks and sustaining long-term growth.
How does Popular, Inc. make money in financial services?
Popular, Inc. generates revenue through a variety of channels within the financial services sector. The primary source of income is net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits. The company also earns fee income from services such as investment banking, wealth management, and transaction processing. Additionally, Popular, Inc. generates revenue from mortgage banking activities, including origination and servicing fees. Diversifying its revenue streams across various financial services segments helps mitigate risk and ensures a stable income base.
What is Popular, Inc.'s credit quality and risk management approach?
Popular, Inc. maintains a disciplined approach to credit quality and risk management to ensure the stability and soundness of its loan portfolio. The company employs rigorous underwriting standards and credit risk assessment procedures to evaluate loan applicants. Provision levels are carefully monitored and adjusted based on economic conditions and portfolio performance. Popular, Inc. also utilizes stress testing and scenario analysis to assess the potential impact of adverse events on its financial condition. A strong risk management framework, overseen by senior management and the board of directors, is essential for mitigating credit risk and maintaining a healthy balance sheet.
What are the key factors to evaluate for BPOP?
Popular, Inc. (BPOP) holds an AI score of 96/100 (high). P/E: 11.2x vs the S&P 500's ~20-25x. Analysts target $157.00 (-7%). Not financial advice.
How frequently does BPOP data refresh on this page?
BPOP prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BPOP's recent stock price performance?
Popular, Inc. (BPOP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Puerto Rico. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-05-10.
- Future performance may be subject to market conditions and company-specific factors.