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BPOP

PopularD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Execution preserves NIMs, loans accelerate in core Puerto Rico/Caribbean markets, and management signals capital returns — re-rating pushes the stock toward the bull target (155.0).
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.6.
What can break
Deposit outflows or funding-cost shock
Momentum
49
Value
56
Sentiment
44
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $134.00 · Bull $155.00 · Bear $118.00Analysis 2026-01-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-28 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $194.50
Why
Momentum49 · Δ7d +0.3
Value56 · Δ7d +0.6
Sentiment44 · Δ7d -1.2
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.6.

Contradictions & invalidation

  • • Deposit outflows or funding-cost shock
  • • Loan portfolio deterioration in Puerto Rico/Caribbean
  • • Material credit deterioration, sustained deposit outflows, or funding-cost shocks compress NIMs and multiples, driving the stock toward the bear target (118.0).

Catalyst clock

2026-04-28

Q4 / FY2025 earnings release

Lead driver: Value · See fundamentals
Momentum
49
8% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+4.3
Value
56
47% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+0.3
Sentiment
44
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.2
Δ21d
-7.3
Why this grade

Composite grade D. Momentum 48.8 / Value 56.2 / Sentiment 43.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-28. Scenario method

B+
Bull case
20%
Probability
Target price
$155.00
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$134.00
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$118.00
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$10.23B
Beta
0.65
Shares Out
63.78M
P/E (TTM)
11.4
P/S (TTM)
2.74
P/FCF (TTM)
21.07
Rev YoY
+4.4%
EPS YoY
+40.9%
Gross Margin
-
Op Margin
+24.9%
Net Debt
$1.18B
Current Ratio
0.10
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data