Popular Inc. Common Stock (BPOP)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see Popular as a steady regional bank rather than a wide-moat franchise. At the 2026-10-13 close of $155.82, FairStock shows a P/E of 10.54, P/B of 1.55, ROE of 15.65%, dividend yield of 2.31%, beta of 0.65, PEG of 0.27, Piotroski F-Score of 6/9, and a FairStock score of 63/100. The filed numbers show momentum: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $278.2M and diluted EPS was $4.35, versus net income of $210.4M and EPS of $3.09 in fiscal Q2 2025. For FY2025, net income was $833.2M and diluted EPS was $12.30, up from $614.2M and $8.56 in FY2024 and $541.3M and $7.52 in FY2023. That is a real earnings climb, and the Lynch category given is STALWART—steady growth, with profit compounding about 10.5% a year over five years. The bank's franchise rests on deposits and lending in Puerto Rico, the U.S. mainland, and nearby Caribbean/Latin markets; that gives it local scale and regulatory barriers, but also geographic concentration. A 15.65% ROE supports a premium to book, yet P/B 1.55 already assumes that profitability persists. The data lacks CET1, net interest margin, nonperforming loans, reserves, and efficiency ratio, so I cannot verify credit quality or capital adequacy. At roughly 10.5 times earnings, the price looks fair to modestly cheap if credit stays benign. I would want a larger margin of safety because bank balance sheets are opaque and credit cycles turn.

In plain English: Popular Inc. is a bank that serves people and businesses mainly in Puerto Rico, the U.S., and some Caribbean and Latin American markets. It has been earning solid profits and growing them, and its shares look reasonably priced compared with those profits, though the bank still carries lending and economic risks. It is not a super-cheap bargain compared with the value of its net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer