Group 1 - The article emphasizes the importance of in-depth research on various income alternatives such as REITs, mREITs, Preferreds, BDCs, MLPs, and ETFs [1] - It highlights the popularity of the research service, evidenced by 438 testimonials, most of which are rated 5 stars [1] - The author expresses a personal beneficial long position in HD shares, indicating a vested interest in the stock [1] Group 2 - The article does not provide specific investment recommendations or advice, emphasizing that past performance does not guarantee future results [2] - It clarifies that the views expressed may not reflect those of Seeking Alpha as a whole, indicating a diversity of opinions among analysts [2] - The analysts contributing to the platform may not be licensed or certified, which could affect the credibility of the investment insights provided [2]

Core Viewpoint - Popular (BPOP) shares have increased by approximately 6.5% over the past month, underperforming the S&P 500, raising questions about the sustainability of this trend leading up to the next earnings release [1] Group 1: Earnings and Estimates - Estimates for Popular have trended upward over the past month, indicating positive sentiment among analysts [2] - The stock has a Zacks Rank of 1 (Strong Buy), suggesting expectations for above-average returns in the coming months [4] Group 2: VGM Scores - Popular has an average Growth Score of C, a Momentum Score of F, and a Value Score of A, placing it in the top 20% for the value investment strategy [3] - The aggregate VGM Score for Popular is C, which is relevant for investors not focused on a single strategy [3] Group 3: Industry Performance - Popular is part of the Zacks Banks - Southeast industry, where Synovus Financial (SNV) has gained 9.1% over the past month [5] - Synovus reported revenues of $571.67 million for the last quarter, reflecting a year-over-year increase of 6.3%, with EPS rising from $0.79 to $1.30 [5] - Synovus is expected to post earnings of $1.24 per share for the current quarter, marking a year-over-year change of 6.9% [6]

Core Viewpoint - Popular (BPOP) has been upgraded to a Zacks Rank 1 (Strong Buy), indicating a positive outlook based on rising earnings estimates, which are a significant factor influencing stock prices [1][2]. Earnings Estimates and Stock Price Movement - The Zacks rating system is effective for individual investors as it reflects changes in earnings estimates, which are strongly correlated with near-term stock price movements [2][3]. - Institutional investors utilize earnings estimates to determine the fair value of stocks, leading to buying or selling actions that affect stock prices [3]. Company Performance and Outlook - The upgrade for Popular signifies an improvement in the company's underlying business, which is expected to drive the stock price higher as investors recognize this trend [4]. - For the fiscal year ending December 2025, Popular is projected to earn $10.54 per share, reflecting a 17.1% increase from the previous year, with a 4.8% rise in the Zacks Consensus Estimate over the past three months [7]. Zacks Rank System - The Zacks Rank system categorizes stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [6]. - Only the top 5% of Zacks-covered stocks receive a 'Strong Buy' rating, indicating superior earnings estimate revisions and potential for market-beating returns [8][9].

Group 1 - Subsea 7 S.A. (SUBCY) has seen a nearly 17% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - MAG Silver Corp. (MAG) has experienced an 18.3% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Karooooo Ltd. (KARO) has seen a nearly 7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Candel Therapeutics, Inc. (CADL) has experienced a 17.9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Popular, Inc. (BPOP) has seen a 4.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Here are two stocks with buy rank and strong value characteristics for investors to consider today, May 19: Popular, Inc. (BPOP) : This retail, mortgage, and commercial banking products and services company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 4.8% over the last 60 days. Popular has a price-to-earnings ratio (P/E) of 9.9, compared with 11.40 for the industry. The company possesses a Value Score of A. Subsea 7 S.A. (SUBCY) : This com ...

Core Insights - The author transitioned from a traditional financial career to focus on personal finance education through online platforms [1] Group 1 - The author has a strong educational background in finance, holding a bachelor's degree in finance-marketing, a CFP title, and an MBA in financial services [1] - The author has over a decade of experience in the financial industry, starting in 2003 and working in private banking for five years [1] - In 2016, the author took a significant personal journey traveling across North America and Central America, which influenced the decision to leave the financial industry [1] Group 2 - The author founded investing websites to help others with personal finance, marking a shift from a corporate job to a more fulfilling career [1] - The journey included driving through nine countries and spending three months in Costa Rica, which was described as an eye-opening adventure [1] - The decision to quit the traditional job was driven by a desire to spend more time with family while pursuing a passion for investing [1]

Core Insights - Denny's is launching new summer menu items including the Red, White & Berry Pancake Slam, Bacon Ranch Cheeseburger, Cookie Dough Lover's Pie, and Strawberry Sparkler beverage [1][4][5] - The company is extending its Buy One Slam, Get One for $1 promotion until June 8, allowing customers to enjoy two hearty breakfasts at a low cost [2][8] - Denny's is partnering with Cookies for Kids' Cancer, donating a portion of sales from the Kids Menu to support pediatric cancer research [7] Menu Highlights - The NEW Red, White & Berry Pancake Slam features buttermilk blueberry pancakes topped with strawberries, cream cheese icing, and whipped cream, served with eggs, hash browns, and a choice of bacon or sausage [3] - The NEW Bacon Ranch Cheeseburger includes a beef patty, Applewood-smoked bacon, ranch dressing, aged white cheddar, and is served with wavy-cut fries [4] - The NEW Cookie Dough Lover's Pie is a dessert made with chocolate chip cookie dough on a flaky crust, topped with vanilla ice cream and salted caramel [5] - The NEW Strawberry Sparkler is a refreshing drink made with a strawberry-lime blend and lemon-lime Sprite [4] Community Engagement - Denny's is committed to community support through initiatives like the Mobile Relief Diner and the Hungry for Education scholarship program [9] - The partnership with Cookies for Kids' Cancer aims to raise awareness and funds for pediatric cancer research, reflecting the company's dedication to social responsibility [7] Company Overview - Denny's operates 1,491 restaurants globally, with 1,430 being franchised and licensed, and 61 company-operated as of March 26, 2025 [10] - The brand has been in operation for over 70 years, focusing on providing value across various meal times [9]

Financial Performance - The Corporation's net income for Q1 2025 was $177.5 million, an increase of $74.2 million from $103.3 million in Q1 2024[305]. - Adjusted net income for the quarter ended March 31, 2024, was $135.2 million, reflecting a significant increase from U.S. GAAP net income of $103.3 million[314]. - For the quarter ended March 31, 2025, total income increased to $208,019,000, up 24% from $168,078,000 in the same quarter of 2024[427]. - Net income for the quarter ended March 31, 2025, was $194,098,000, representing a 52% increase compared to $127,864,000 in the prior year[427]. Interest Income and Margin - Net interest income reached $605.6 million, up $54.9 million compared to Q1 2024, with a net interest margin expansion of 24 basis points to 3.40%[307]. - Net interest income for the quarter ended March 31, 2025, was $605.6 million, an increase of $54.9 million compared to $550.7 million in the same quarter of 2024[323]. - Net interest margin for the first quarter of 2025 was 3.40%, an increase of 24 basis points from the previous year[323]. - Net interest income on a taxable equivalent basis for Q1 2025 was $663.9 million, up by $74.3 million from the same period in 2024[323]. Credit Quality and Losses - The provision for credit losses decreased to $64.1 million, down $8.5 million from Q1 2024, reflecting improved credit quality[307]. - For the quarter ended March 31, 2025, the Corporation recorded a provision for credit losses of $63.9 million, a decrease of $8.2 million compared to the same quarter of the previous year[331]. - The provision for loan losses was $52.7 million in 2025, down from $61.0 million in the same quarter of 2024, reflecting a favorable variance of $8.3 million[346]. - The allowance for credit losses (ACL) increased by $16.1 million to $762.1 million from December 31, 2024, driven by changes in economic scenario probability weights and qualitative reserves[478]. Operating Expenses - Operating expenses totaled $471.0 million, a decrease of $12.1 million compared to Q1 2024, driven by lower FDIC special assessments[307]. - Total operating expenses decreased by $12.1 million to $471.0 million for the quarter ended March 31, 2025, compared to $483.1 million in the same quarter of 2024[338]. - Technology and software expenses rose by $4.2 million due to higher software amortization related to transformation initiatives[337]. Assets and Liabilities - Total assets increased to $74.0 billion as of March 31, 2025, up $993.2 million from December 31, 2024, mainly due to higher AFS securities and loans[307]. - Total liabilities increased to $68.2 billion at March 31, 2025, an increase of $806.6 million compared to December 31, 2024[357]. - Loans held-in-portfolio increased by $146.4 million to $37.3 billion at March 31, 2025, compared to December 31, 2024[353]. Deposits and Equity - Deposits rose to $65.8 billion, an increase of $934.9 million from December 31, 2024, attributed to higher interest-bearing deposits[308]. - Stockholders' equity increased to $5.8 billion, up $186.6 million from December 31, 2024, with a tangible book value per share of $72.02[307]. - Average deposit balances grew by $1.6 billion, with Puerto Rico public deposits at $19.6 billion, up approximately $159.2 million from the previous quarter[358]. Non-Performing Assets - Non-Performing Assets (NPAs) decreased by $41.9 million from December 31, 2024, with Non-Performing Loans (NPLs) decreasing by $36.7 million[455]. - The ratio of NPLs to total loans held-in-portfolio improved to 0.84% as of March 31, 2025, down from 0.95% on December 31, 2024[456]. - The total non-performing loans held-in-portfolio amounted to $314,069 thousand, with an ACL to NPLs ratio of 242.67% as of March 31, 2025, up from 212.68% at the end of 2024[482]. Dividends and Share Repurchase - The Corporation repurchased 1,270,569 shares for $122.3 million at an average price of $96.24 per share during Q1 2025[301]. - Dividends declared per share increased to $0.70, reflecting a 13% rise compared to the previous quarter[302]. - During the quarter ended March 31, 2025, the Corporation declared cash dividends of $0.70 per share, totaling approximately $48 million[411]. Market and Economic Conditions - The U.S. Consumer Price Index showed a year-over-year increase of 2.4% as of March 2025, while Puerto Rico's Consumer Price Index increased by 1.8% over the 12 months ending in January 2025[435]. - The Corporation's financial flexibility may be adversely affected if the banking subsidiaries cannot maintain access to funding or if adequate funding is not available[400].

Group 1: Palantir Technologies - Palantir develops data analytics software for commercial and government sectors, with core platforms Gotham and Foundry that integrate complex data and machine learning models [2] - The company reported a 39% increase in revenue to $884 million and a 62% increase in non-GAAP earnings to $0.13 per diluted share, with total customers climbing 39% to 769 [4] - Despite strong financial results, the stock fell sharply due to concerns over valuation, with a forward price-to-sales ratio significantly higher than competitors [5][6] - Analysts have set a target price of $40 per share, indicating a 64% downside from the current price of $110 [10] Group 2: Upstart Holdings - Upstart provides an AI lending platform that automates credit decisions, considering over 2,500 variables compared to the traditional FICO score [8][9] - The company reported a 67% increase in revenue to $2.1 billion, with positive non-GAAP earnings of $0.30 per diluted share, up from a loss in the same quarter last year [11] - Analysts have set a target price of $15 per share for Upstart, implying a 67% downside from its current price of $46 [10] - The outlook for Upstart is mixed, with potential growth due to expected Federal Reserve rate cuts, but also risks from economic uncertainty and tariffs [13][14]

Group 1 - The loan growth of Popular, Inc. (BPOP) is expected to slow down this year but will remain positive, supporting the bottom line [1] - The average net interest margin for Popular, Inc. is anticipated to be higher this year compared to the previous year [1]