Popular (NASDAQ:BPOP) Releases Earnings Results, Beats Expectations By $0.36 EPS

Popular (NASDAQ:BPOP) issued its earnings results on Tuesday. The bank reported $3.38 EPS for the quarter, beating analysts’ consensus estimates of $3.02 by $0.36, Zacks reports. Popular had a return on equity of 13.27% and a net margin of 17.63%.The business had revenue of $815.98 million during the quarter, compared to analyst estimates of $811.55 million. During the same period in the prior year, the company posted $2.51 earnings per share.

Here are the key takeaways from Popular’s conference call:

• Net income rose to approximately $833M in 2025 (up 36% YoY) and Q4 net income was $234M, with management exceeding ROTCE targets (about 14% Q4, 13% FY) and tangible book value per share up ~21% year-over-year.
• The company delivered strong loan growth—about $2.2B (6%) for the year and $641M in Q4—and guides to consolidated loan growth of 3%–4% in 2026, led by commercial and Puerto Rico mortgage lending.
• Net interest income and margins expanded (quarter NII of $658M); management expects NII to rise 5%–7% in 2026 as they reinvest securities into shorter-duration Treasuries and benefit from lower deposit costs.
• Deposit pressures remain a potential headwind—ending deposits fell ~$323M (average deposits down ~$880M) with Puerto Rico public deposits down ~$662M—and collateralization requirements keep a sizable portion of funds in securities, which can constrain loan-to-deposit flexibility.

Popular Trading Down 0.4%

BPOP opened at $130.14 on Wednesday. Popular has a 1-year low of $78.23 and a 1-year high of $133.10. The stock has a market capitalization of $8.68 billion, a PE ratio of 11.52, a PEG ratio of 0.51 and a beta of 0.63. The firm has a 50-day moving average price of $122.49 and a two-hundred day moving average price of $120.32.

Popular Dividend Announcement

The business also recently disclosed a quarterly dividend, which was paid on Friday, January 2nd. Shareholders of record on Friday, December 5th were issued a dividend of $0.75 per share. The ex-dividend date of this dividend was Friday, December 5th. This represents a $3.00 dividend on an annualized basis and a yield of 2.3%. Popular’s dividend payout ratio is currently 26.55%.

More Popular News

Here are the key news stories impacting Popular this week:

• Positive Sentiment: Q4 results beat expectations — EPS $3.38 vs. $3.02 est and revenue modestly above consensus; net income and margins improved, supporting stronger profit outlook. Investing.com: Popular tops Q4 EPS by 50c
• Positive Sentiment: Analyst upgrade/price-target lift — Hovde Group raised its price target from $153 to $176 and kept an outperform rating, implying substantial upside vs. recent levels. (Analyst action supporting today’s buying.)
• Positive Sentiment: Valuation/analyst commentary — Analysts and commentators characterize the beat plus current multiples as an attractive risk/reward (Seeking Alpha highlights solid results and an undemanding valuation). Seeking Alpha: Solid Q4 and Undemanding Valuation
• Neutral Sentiment: Operational detail: management pointed to loan growth, shifting deposit trends and ongoing efficiency initiatives as drivers of near-term performance — these are constructive if sustained but require execution. Yahoo Finance: Q4 Deep Dive
• Neutral Sentiment: Earnings call transcript is available for detail on guidance and strategy; useful for investors wanting the finer points behind the beat. Earnings Call Transcript
• Negative Sentiment: Management flagged a tempered outlook — several write-ups note cautious forward commentary that could cap multiple expansion if deposit or margin pressures persist. TipRanks: Profits Up, Outlook Tempered

Wall Street Analysts Forecast Growth

A number of equities analysts have recently issued reports on the stock. Truist Financial began coverage on shares of Popular in a research note on Thursday, October 9th. They issued a “buy” rating and a $153.00 price objective for the company. Keefe, Bruyette & Woods reiterated an “outperform” rating on shares of Popular in a research note on Wednesday. UBS Group restated a “neutral” rating on shares of Popular in a research report on Tuesday, January 6th. Wells Fargo & Company dropped their price objective on Popular from $150.00 to $135.00 and set an “overweight” rating for the company in a research note on Friday, October 24th. Finally, Weiss Ratings restated a “buy (b)” rating on shares of Popular in a research note on Wednesday, January 21st. Nine equities research analysts have rated the stock with a Buy rating and two have given a Hold rating to the company. According to MarketBeat.com, the company currently has a consensus rating of “Moderate Buy” and an average target price of $144.89.

Insider Buying and Selling

In other Popular news, VP Adorno Denissa Rodriguez sold 1,000 shares of the company’s stock in a transaction on Friday, November 21st. The stock was sold at an average price of $114.84, for a total transaction of $114,840.00. Following the transaction, the vice president owned 2,604 shares of the company’s stock, valued at approximately $299,043.36. This represents a 27.75% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, Director Richard L. Carrion sold 25,000 shares of the stock in a transaction on Monday, November 24th. The shares were sold at an average price of $113.50, for a total value of $2,837,500.00. Following the completion of the transaction, the director owned 193,020 shares in the company, valued at $21,907,770. The trade was a 11.47% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. 2.23% of the stock is currently owned by corporate insiders.

Hedge Funds Weigh In On Popular

Several large investors have recently made changes to their positions in the company. Royal Bank of Canada increased its position in Popular by 23.1% in the first quarter. Royal Bank of Canada now owns 94,352 shares of the bank’s stock worth $8,715,000 after purchasing an additional 17,729 shares during the period. Dynamic Technology Lab Private Ltd bought a new position in shares of Popular in the 1st quarter valued at about $257,000. Goldman Sachs Group Inc. boosted its stake in shares of Popular by 60.6% in the 1st quarter. Goldman Sachs Group Inc. now owns 223,530 shares of the bank’s stock valued at $20,647,000 after purchasing an additional 84,327 shares during the last quarter. Focus Partners Wealth acquired a new stake in shares of Popular during the 1st quarter worth approximately $207,000. Finally, Sivia Capital Partners LLC bought a new stake in shares of Popular during the second quarter worth approximately $252,000. Institutional investors and hedge funds own 87.27% of the company’s stock.

Popular Company Profile

Popular, Inc, headquartered in San Juan, Puerto Rico, is a financial holding company and a leading provider of banking services in the United States mainland and Puerto Rico. Through its primary subsidiaries—Banco Popular de Puerto Rico and Popular Bank—the company delivers comprehensive commercial and consumer banking solutions. It offers deposit products, lending facilities, cash management services and payment-processing solutions designed for individuals, small businesses and large corporations.

The company’s product suite encompasses checking and savings accounts, certificates of deposit, residential and commercial mortgage loans, business lines of credit and credit cards.