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Fiscal Wizard · Single-issue tearsheet

BPOP / Jun 12, 2026 Run #4770

BPOP

Popular, Inc.

Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking services for individuals and businesses in Puerto Rico, the United States, the British Virgin Islands, the Caribbean, and Latin America. The company offers savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; checking accounts; individual retirement accounts and educational contribution accounts; business accounts; investment accounts; private management accounts; and certificates of deposit. It also provides commercial and industrial, commercial real estate, commercial multi-family, and residential mortgage loans; consumer loans, including unsecured personal loans, home equity lines of credit, and other loans to individual borrowers; construction loans; lease financing comprising automobile loans and leases; renewable energy and marine loans; and startup program and healthcare hub financing. In addition, the company offers auto and equipment leasing and financing; broker-dealer; international and private banking; insurance services, such as travel, property, auto and boat, health, life, and title; debit and credit cards; family of funds and Keogh plans; mobile easy deposit, foreign exchange, and fiduciary services; retirement plans; wire transfers; coordination of auto, aircraft, and helicopter loans; financial planning; investment advice; ATM; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.

Composite verdict

B 69.6 / 100
Gated stand-aside 0 drivers · 4 gates blocking
Stand aside Setup or conviction grade does not support a directional trade.

Industry rank 120th of 329 in Banks - Regional

rescore-sweep
Technical synthesisRegime: uptrend
  • Mixed signalsTrend and mean-reversion disagree — low conviction; the directional families point opposite ways. (medium confidence)
Where value comes fromMargin of safety -32%
Asset value $96.83Earnings power value $152.90Price $158.81

Priced above its no-growth earnings power value ($152.90/share) — you're paying for growth and franchise expansion, not just current earnings.

Fundamentals Above average

69.6 / 100

Score-bearing fundamentals shown here exclude gate-only risk checks. · 35 metrics shown.

Strongest
Weakest
Days Sales Outstanding 100
Margin of Safety 12
EPS Growth (YoY) 100
Asset Turnover 14
FCF Margin 100
EV/FCF 22

Technicals Unscored

/ 100

Stand aside — active guards gated the directional signals that fired. · 43 signals shown.

Risk Gates

4 blocking 2 caution

4 guards active, 43 signals gated.

Interest Coverage Blocking

Weak interest coverage blocks bullish signals — debt-service risk.

ADX Trend Weakness Blocking

Weak trend strength blocks trend-following signals in either direction.

MA Crossover Blocking

Blocks counter-regime signals only when the MA crossover agrees with the long-term regime.

Regime Filter Blocking

Blocks signals that oppose the long-term moving-average regime.

Breakdown

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Every chip in either subscore card drills into the metrics or signals that fed it — including the formula, the threshold band, and what the current reading means for BPOP.