Kelly Motta

Jared Shaw

Gerard Cassidy

Timur Braziler

Frank Schiraldi

Arren Cyganovich

Ben Gerlinger

Benjamin Gerlinger

Brett Rabatin

Thomas Leddy

Timur Brazilia

Forrest Hamilton

Jared David Shaw

Samuel Varga

- Popular Inc. reported **net income of $211 million** and **EPS of $3.15** for Q3 2025, reflecting an increase of $1 million and $0.06 per share, respectively, driven by higher revenues and an expanding net interest margin.  **[0000763901_2200872_1]** **[0000763901_2200872_3]** 
- The company achieved **strong loan growth of $502 million** in Q3 2025 and subsequently raised its consolidated loan growth guidance for the full year 2025 to **between 4% and 5%**.  **[0000763901_2200872_3]**  Net interest income for the quarter was **$647 million**, an increase of $15 million.  **[0000763901_2200872_3]** 
- Credit quality metrics were impacted by two specific commercial loans, causing non-performing loans (NPLs) to total loans to rise to **1.3%** and net charge-offs to reach **$58 million** (annualized **60 basis points**).  **[0000763901_2200872_5]**  Management emphasized these were isolated incidents not indicative of broader credit concerns.  **[0000763901_2200872_1]** **[0000763901_2200872_5]** 
- Popular Inc. maintained strong regulatory capital with a CET1 ratio of **15.8%** and increased tangible book value per share to **$79.12**.  **[0000763901_2200872_4]**  The company also declared a **$0.75 per share** common stock dividend and repurchased **$119 million** in shares during Q3 2025.  **[0000763901_2200872_4]** 
- The company reiterated its NII growth guidance of **10%-11%** for 2025 and expects a full-year effective tax rate between **16% and 18%**.  **[0000763901_2200872_4]**  Popular Inc. remains focused on achieving a sustainable **14% Return on Common Equity (ROCI)** in the long term.  **[0000763901_2200872_1]** **[0000763901_2200872_3]**

Popular Inc. Reports Strong Q3 2025 Earnings and Raises Loan Growth Guidance

- Popular Inc. reported **net income of $211 million** and **EPS of $3.15** for Q3 2025, driven by higher revenues and an expanding net interest margin.  **[0000763901_2200858_1]** **[0000763901_2200858_3]** 
- The company experienced **strong loan growth of $502 million** in the quarter, leading to an updated 2025 consolidated loan growth guidance of between **4% and 5%**.  **[0000763901_2200858_3]** 
- Credit quality metrics were impacted by two commercial loans, increasing NPLs to **1.3%** and net charge-offs to **$58 million** or an annualized **60 basis points**.  **[0000763901_2200858_5]** 
- Popular Inc. updated its 2025 guidance, now expecting total non-interest income between **$650 and $655 million** and an effective tax rate between **16% and 18%**.  **[0000763901_2200858_4]** 
- The company declared a quarterly common stock dividend of **$0.75 per share** and repurchased approximately **$119 million** in shares during Q3 2025.  **[0000763901_2200858_4]**

Popular Inc. Reports Q3 2025 Earnings with Strong Loan Growth and Updated Guidance

POPULAR (BPOP)