Stock fact sheet · data as of
Popular Capital Trust II PFD GTD 6.125% (BPOPM): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · Puerto Rico · Defensive
Is BPOPM undervalued?
At 25.31 (close of 16 Oct 2026), BPOPM trades 75% below the GLS average fair value of 100.12. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Popular Capital Trust II PFD GTD 6.125% the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: Lynch gives 9.76 while 10 Cap gives 279.76. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files BPOPM under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for BPOPM
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 159.27 | +529% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 185.40 | +633% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 39.36 | +56% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 9.76 | -61% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 18.03 | -29% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 279.76 | +1005% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 136.08 | +438% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 46.35 | +83% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 27.11 | +7% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -109.79 | -534% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - BPOPM passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.8 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 10.6%, ROE 13.3%, ROA 1.1% - with debt at 0.25 times equity and a free-cash-flow yield of 8.0%.
The dividend yield is 2.00% at a payout ratio of 20%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Popular U.S 100% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 10.6% |
|---|---|---|---|
| GLS Moat | 5.8 / 10 | ROE | 13.3% |
| Debt / equity | 0.25 | ROA | 1.1% |
| Free-cash-flow yield | 8.0% | Payout ratio | 20% |
| Institutions | 5 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
BPOPM has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 5k shares a day on a market cap of $10.0B, with a beta of -0.04 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 12 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 75% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 9 / 15 | moat 5.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 12 / 20 | 5k shares/day, $10.0B cap, beta -0.04 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BPOPM in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Popular Capital Trust II PFD GTD 6.125% by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BPOP Popular, Inc. | 157.37 | 223.61 | +30% | 86Prime | $10.0B |
| UMBF UMB Financial Corporation | 128.86 | 198.60 | +35% | 86Prime | $9.8B |
| SSB SouthState Bank Corp. | 99.17 | 165.40 | +40% | 76Good | $9.6B |
| CFR Cullen/Frost Bankers, Inc. | 154.11 | 148.21 | -4% | 62Fair | $9.6B |
| ONB Old National Bancorp | 25.00 | 43.30 | +42% | 89Prime | $9.6B |
| ONBPP Old National Bancorp | 24.88 | 43.23 | +42% | 39No options | $9.6B |
| ONBPO Old National Bancorp | 24.86 | 43.22 | +42% | 39No options | $9.6B |
| WTFC Wintrust Financial Corporation | 141.02 | 241.84 | +42% | 81Prime | $9.5B |
| FHN First Horizon Corporation | 22.86 | 27.51 | +17% | 77Good | $10.8B |
| ZION Zions Bancorporation, National Association | 61.78 | 119.09 | +48% | 90Prime | $9.0B |
| ZIONP Zions Bancorporation, National Association | 16.99 | 75.18 | +77% | 39No options | $9.0B |
| COLB Columbia Banking System, Inc. | 28.63 | 48.03 | +40% | 84Prime | $8.3B |
⚖ Compare BPOPM with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BPOPM
Is BPOPM undervalued right now?
By the GLS models, yes: at 25.31 the stock is 75% below the average fair value of 100.12 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BPOPM and what does it mean?
BPOPM has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BPOPM?
100.12 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Popular Capital Trust II PFD GTD 6.125% report earnings next?
No upcoming earnings date is recorded for BPOPM in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BPOPM have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BPOPM, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.