Popular Inc (BPOP)
NASDAQ:BPOP
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Earnings Data
Report Date
Jul 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
3.71Last Year’s EPS
3.09Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a clearly positive operating quarter: strong profitability, margin expansion, deposit growth, fee income gains and tightened expense guidance. Credit metrics mostly improved (NPL ratio fell) but net charge-offs rose due to a few identified commercial items and reserves were increased for specific exposures. Management reiterated conservative guidance on loan growth, affirmed capital-return intentions and called out macro risks (notably oil prices) and concentrated public deposits as watch items. Overall the positives across earnings, margins, fees and expense control materially outweigh the identifiable headwinds and one-off credit items.Company Guidance
Strong Profitability
Net income of $246 million and EPS of $3.78, up $12 million and $0.25 QoQ; net income and EPS improved 38% and 48% YoY, respectively.
Return on Common Equity (ROCE) Expansion
ROCE of 15.5%, up from 14.4% in the prior quarter and 11.4% a year ago, progressing toward the 14% through-the-cycle objective.
Net Interest Income and Margin Improvement
Net interest income of $670 million, up approximately $13 million QoQ; GAAP NIM expanded 5 bps to 3.66% and taxable-equivalent NIM improved 11 bps to 4.14%.
Deposit Growth and Lower Deposit Costs
Ending deposits rose to $67.6 billion, up $1.4 billion QoQ; total deposit cost decreased 12 bps to 1.56% (excluding PR public deposits cost down to 1.09%).
Noninterest Income Growth and Fee Strength
Noninterest income of $166 million (at high end of guidance); noninterest income up 9% YoY with debit card fees +14% YoY, credit card fees +6% YoY and asset management/insurance fees +13% YoY.
Operating Expense Discipline
Total operating expenses of $467 million, down $6 million QoQ (down $22 million ex-FDIC reversal); full-year expense growth guidance reduced to 2%–3% from prior 3% expectation.
Capital Return and Book Value
Repurchased $155 million of common stock in the quarter, tangible book value per share rose to $84.98 (+$2.33); $126 million remaining under current repurchase authorization with plans to update capital actions in Q2.
Favorable Puerto Rico Operating Environment
Puerto Rico trends supportive: unemployment ~5.6%, combined card purchases +~5% YoY, hotel occupancy up to 83% (from 76%) with RevPAR +6%, cruise arrivals +40% YoY; construction and reshoring activity providing tailwinds.
BPOP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BPOP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 23, 2026 | $148.30 | $149.27 | +0.65% |
Jan 27, 2026 | $122.17 | $129.85 | +6.29% |
Sep 30, 2025 | $125.79 | $125.48 | -0.25% |
Jul 23, 2025 | $113.14 | $113.51 | +0.32% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Popular Inc (BPOP) report earnings?
Popular Inc (BPOP) is schdueled to report earning on Jul 29, 2026, Before Open (Confirmed).
What is Popular Inc (BPOP) earnings time?
Popular Inc (BPOP) earnings time is at Jul 29, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BPOP EPS forecast?
BPOP EPS forecast for the fiscal quarter 2026 (Q2) is 3.71.