BPOP Should I Buy
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Popular Inc (BPOP) is not a clear buy right now for a Beginner long-term investor with $50,000-$100,000 ready to deploy. The stock has strong fundamental momentum and bullish analyst support, but the current setup is mixed: technicals are not confirming fresh upside, options sentiment is only mildly bullish, and hedge funds are selling. Since the user wants a direct answer and is not waiting for an ideal entry, my view is to hold off on new buying today rather than chase it at this level.
Price is 148.88, essentially flat versus the prior close, but the broader trend remains constructive because SMA_5 > SMA_20 > SMA_200. That said, momentum is weakening in the short term: MACD histogram is -0.401 and negatively expanding, while RSI_6 at 51.645 is neutral. The stock is hovering near pivot 149.35, with near-term resistance at 152.00 and 153.64 and support at 146.70 and 145.06. Overall, the trend is bullish on the medium/long term, but short-term momentum is not strong enough to call it an attractive immediate entry.
["Q4 2025 revenue rose 9.91% YoY to 804.995M", "Q4 2025 net income rose 31.60% YoY to 233.547M", "Q4 2025 EPS rose 41.04% YoY to 3.54", "Analysts broadly remain bullish, with multiple price target increases in April and May", "BofA, Citi, Truist, UBS, RBC, Piper Sandler, and Keefe Bruyette all maintained Buy/Outperform/Overweight-type ratings", "Management commentary and analyst notes point to deposit cost improvement, operating leverage, and possible capital optimization plans", "Popular remains the leading financial institution in Puerto Rico by assets and deposits"]
["Hedge funds are selling, with selling up 145.22% over the last quarter", "MACD is negative and worsening, showing short-term momentum deterioration", "Near-term price trend is not supported by strong trading conviction", "The stock trend model implies downside over the next month", "BofA noted downward revision risk to NII from stickier-than-anticipated deposit costs", "Wall Street has some concern about flattening yield curve sensitivity and credit uncertainty"]
Latest reported quarter: 2025/Q4. The company posted strong year-over-year growth across the key top and bottom lines. Revenue increased 9.91% YoY to 804.995M, net income increased 31.60% YoY to 233.547M, and EPS increased 41.04% YoY to 3.54. This is a very healthy quarterly performance and supports a positive long-term fundamental view.
Analyst sentiment is clearly positive and has strengthened recently. From late April to early May, multiple firms raised price targets: BofA to 163, Citi to 178, Truist to 172, UBS to 170, RBC to 163, Piper Sandler to 173, and Keefe Bruyette to 177, while keeping Buy/Outperform/Overweight ratings. The main bullish case from Wall Street is Popular’s strong earnings growth, improving deposit costs, operating leverage, and capital strength. The main caution is that some analysts see NII/NIM pressure from a flatter yield curve and sticky deposit costs. Overall, pros are meaningfully more positive than cons.
