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Sep 30
Popular Q3 2025 Earnings Report
Popular reported strong third-quarter 2025 results driven by higher net interest income and solid balance sheet metrics.
Key Takeaways
Popular Inc. posted a net income of $211.3 million for Q3 2025, with EPS of $3.15 and continued net interest margin expansion to 3.51%. The company maintained stable deposit balances, achieved solid loan growth, and strengthened its capital position with a CET1 ratio of 15.79%.
Net income reached $211.3 million, slightly above Q2 2025’s $210.4 million.
Earnings per share were $3.15 compared to $3.09 in the prior quarter.
Net interest income increased to $646.5 million, supported by higher yields on U.S. Treasury securities.
Common Equity Tier 1 ratio stood strong at 15.79%, with tangible book value per share rising to $79.12.
Popular
Popular
Popular Revenue by Segment
Popular Revenue by Geographic Location
Revenue by Segment
Banco Popular de Puerto Rico Revenue
CapyFin.comPopular Bank Revenue
CapyFin.comRevenue by Geographic Location
Puerto Rico Revenue
CapyFin.comUnited States Revenue
CapyFin.com Forward Guidance
Popular expects continued stability in margins and profitability driven by disciplined deposit management, sustained loan growth, and strong capital levels.
Positive Outlook
- Solid loan growth across commercial and mortgage portfolios.
- Stable customer deposit balances despite competitive pressures.
- Healthy capital ratios with CET1 above 15%.
- Continued efficiency improvements under the transformation framework.
- Favorable yield environment supporting NIM expansion.
Challenges Ahead
- Rising credit losses in certain commercial exposures.
- Higher operating expenses due to personnel and technology costs.
- Potential pressure on deposit costs from market competition.
- Goodwill impairment of $13 million in U.S. equipment leasing subsidiary.
- NPLs increased significantly due to two large commercial loans.