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Banco Latinoamericano De Comercio (BLX)
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Banco Latinoamericano De Comercio (BLX) AI Stock Analysis

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Banco Latinoamericano De Comercio

(NYSE:BLX)

Rating:71Outperform
Price Target:
$46.00
▲(8.98%Upside)
The overall stock score is driven by strong valuation metrics and positive technical analysis. Despite high leverage and cash flow challenges, the stock's low P/E ratio and high dividend yield offer attractive investment potential.

Banco Latinoamericano De Comercio (BLX) vs. SPDR S&P 500 ETF (SPY)

Banco Latinoamericano De Comercio Business Overview & Revenue Model

Company DescriptionBanco Latinoamericano de Comercio Exterior, S.A. (BLX), commonly known as Bladex, is a multinational bank headquartered in Panama City, Panama. Established in 1979, Bladex specializes in supporting trade and economic integration across Latin America. The bank provides a range of financial solutions including trade finance, treasury services, and loans to financial institutions, corporations, and sovereign entities in the region.
How the Company Makes MoneyBladex generates revenue primarily through interest income from its lending activities, which include trade finance and loans to various clients across Latin America. Its key revenue streams include interest earned on loans and advances, fees related to trade finance services, and income from its treasury operations which involve managing the bank's liquidity and investment portfolio. Bladex also collaborates with financial institutions and corporations to facilitate trade-related transactions, contributing to additional fee-based income. Strategic partnerships with regional and international banks enhance its ability to provide comprehensive financial solutions, thereby bolstering its revenue generation capabilities.

Banco Latinoamericano De Comercio Financial Statement Overview

Summary
Strong revenue growth and profitability with robust net profit margins. However, high leverage typical of banks needs careful management, and negative free cash flow presents liquidity challenges.
Income Statement
75
Positive
Banco Latinoamericano De Comercio shows a strong TTM revenue growth of 182.6% from the previous year's figures, driven by a significant increase in total revenue. The gross profit margin for TTM is 33.9%, and the net profit margin is 25.5%, indicating healthy profitability. EBIT and EBITDA margins are also robust at 26.5% and 25.9% respectively. The company’s income statement reflects strong financial health with an upward trend in revenue and profitability metrics.
Balance Sheet
65
Positive
The balance sheet reveals a relatively high debt-to-equity ratio of 3.27, indicating considerable leverage, which is typical in the banking industry but may pose risks if not managed well. The return on equity (ROE) is strong at 15.1% for TTM, suggesting effective utilization of equity to generate profits. The equity ratio is 11.1%, which is low, reflecting the high leverage. Overall, the balance sheet shows a stable yet highly leveraged position.
Cash Flow
50
Neutral
The cash flow statement indicates ongoing challenges with negative free cash flow and operating cash flow in TTM. However, there is improvement from the prior year, as free cash flow grew by 29.9%. The operating cash flow to net income ratio is negative due to negative operating cash flow, reflecting potential liquidity strain. The company needs to address its cash flow issues to enhance financial stability.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue810.60M683.41M330.75M155.74M188.18M
Gross Profit284.78M209.87M126.61M101.64M99.66M
EBITDA209.44M169.25M94.75M66.19M67.93M
Net Income205.87M166.16M92.04M62.70M63.59M
Balance Sheet
Total Assets11.86B10.74B9.28B8.04B6.29B
Cash, Cash Equivalents and Short-Term Investments2.06B1.99B1.24B1.25B863.81M
Total Debt4.58B4.68B6.63B3.75B1.99B
Total Liabilities10.52B9.54B8.21B7.05B5.25B
Stockholders Equity1.34B1.20B1.07B991.79M1.04B
Cash Flow
Free Cash Flow-1.13B248.65M-772.37M-872.52M1.25B
Operating Cash Flow-1.13B250.75M-769.65M-871.71M1.25B
Investing Cash Flow-180.02M-12.77M-166.66M-446.08M-319.90M
Financing Cash Flow1.14B964.22M916.25M1.58B-1.24B

Banco Latinoamericano De Comercio Technical Analysis

Technical Analysis Sentiment
Positive
Last Price42.21
Price Trends
50DMA
40.81
Positive
100DMA
38.95
Positive
200DMA
36.36
Positive
Market Momentum
MACD
0.32
Negative
RSI
61.81
Neutral
STOCH
85.90
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BLX, the sentiment is Positive. The current price of 42.21 is above the 20-day moving average (MA) of 41.42, above the 50-day MA of 40.81, and above the 200-day MA of 36.36, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 61.81 is Neutral, neither overbought nor oversold. The STOCH value of 85.90 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BLX.

Banco Latinoamericano De Comercio Risk Analysis

Banco Latinoamericano De Comercio disclosed 33 risk factors in its most recent earnings report. Banco Latinoamericano De Comercio reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Banco Latinoamericano De Comercio Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$1.24B9.8417.21%3.23%0.94%-8.61%
BYBY
77
Outperform
$1.17B10.3811.08%1.43%7.63%-1.13%
OFOFG
76
Outperform
$2.03B10.8415.46%2.65%7.61%6.82%
CCCCB
74
Outperform
$1.53B30.2612.78%16.62%18.72%
72
Outperform
$903.61M12.109.61%1.90%-56.02%-61.41%
BLBLX
71
Outperform
$1.48B7.5315.82%5.92%8.33%13.48%
62
Neutral
AU$10.00B8.2411.67%5.00%32.88%39.55%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BLX
Banco Latinoamericano De Comercio
42.28
11.41
36.96%
OFG
OFG Bancorp
44.67
3.43
8.32%
PFBC
Preferred Bank
92.76
10.91
13.33%
SUPV
Grupo Supervielle SA
9.94
3.73
60.06%
BY
Byline Bancorp
28.44
1.30
4.79%
CCB
Coastal Financial
102.40
50.07
95.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 14, 2025