Popular, Inc.

NASDAQ•BPOP

CEO: Mr. Ignacio Alvarez Esq.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1980-03-17

Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and the British Virgin Islands. The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also offers commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.

Contact Information

209 Muñoz Rivera Avenue, Hato Rey, PR, 00918, United States

787-765-9800

www.popular.com

Market Cap

$9.59B

P/E (TTM)

10.7

15.8

Dividend Yield

2.0%

52W High

$152.97

52W Low

$102.00

52W Range

91%

Rank39Top 39.1%

4.2

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.2 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$1.11B+0.00%

4-Quarter Trend

EPS

$3.78+0.00%

4-Quarter Trend

FCF

$154.93M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Jumps Significantly Net income reached $833.2M in 2025, a substantial increase over $614.2M reported in the prior year, excluding special assessment impacts.

NIM Expansion Driven by Yields Net Interest Margin expanded 25 basis points to 3.49%, supported by loan growth and higher U.S. Treasury yields reinvestment.

Strong Tangible Equity Return Return on tangible common equity hit 13.04% for the year, reflecting successful transformation initiatives and efficiency gains.

Asset Base Continues Growth Total assets increased to $75.3 B by year-end, fueled by $1.3 B growth in total deposits, primarily at BPPR.

Risk Factors

Asset Quality Deterioration Noted NPL ratio rose to 1.27% from 0.95%, driven by specific commercial and CRE non-accrual inflows during 2025.

Puerto Rico Economic Concentration Heavy concentration in Puerto Rico exposes results to local fiscal challenges and potential funding uncertainty risks.

Interest Rate Sensitivity Shift NII simulations show a shift to a liability sensitive position, increasing risk if short-term rates rise further.

Operational Cyber Security Exposure Continued reliance on third-party providers like Evertec exposes operations to substantial cyber-attack risks and disruptions.

Outlook

Transformation Remains Strategic Priority Technology and business transformation efforts will continue as a strategic priority to enhance client experience and efficiency.

Credit Quality Monitoring Continues Management will closely monitor loan portfolio performance, especially CRE and commercial segments, given ongoing economic uncertainty.

Capital Actions Contingent on Earnings Future common stock repurchases and dividends are subject to capital position, earnings retention, and Federal Reserve policy.

Adapting to Regulatory Evolution The Corporation must continue assessing and conforming compliance practices to evolving U.S. federal and state regulatory requirements.

Peer Comparison

Revenue (TTM)

CFG

$11.28B

-6.9%

WAL

$5.53B

+9.5%

ZION

$4.93B

-0.9%

Gross Margin (Latest Quarter)

CFR

98.8%

+0.0pp

SNV

96.5%

+38.9pp

CBSH

81.6%

+2.5pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CFG	$26.33B	13.4	7.6%	5.4%
WTFC	$10.13B	11.7	11.9%	6.0%
UMBF	$9.97B	11.3	11.7%	5.5%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.2%

Moderate Growth

4Q Net Income CAGR

5.3%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Jul 22, 2026

EPS:$3.71

Revenue:$881.30M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data