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Banco Latinoamericano De Comercio (BLX)
NYSE:BLX
Earnings Data
Report Date
May 06, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
1.4Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a largely positive performance narrative: Bladex delivered record results across net income, revenue diversification, deposit growth and asset quality while strengthening capital and liquidity. Management acknowledges margin pressure from rate cuts, higher operating investments and isolated credit items, and expects a competitive, highly liquid 2026 with modest normalization in metrics. Overall, the company appears well-positioned with disciplined risk management and a clear plan to sustain growth, making the positives substantially outweigh manageable challenges.Company Guidance
Record Net Income and Strong Profitability
Net income reached a record $227 million in 2025, up ~10% year-over-year. Adjusted return on equity was 15.8% for the full year (14.2% in Q4). Q4 net income was $56 million, one of the strongest quarters in history.
Commercial Portfolio and Loan Growth
Total credit portfolio grew to $12.6 billion, representing ~12% year-over-year growth. Commercial portfolio expanded 11.5% YoY; loan balances grew roughly $800 million (~10% YoY) with medium-term loans increasing by >$750 million in 2025.
Significant Deposit Expansion and Strong Funding Mix
Deposits grew 22% year-over-year and represented ~62% of total funding at year-end. Class A shareholder deposits comprised 35% of total deposits. Yankee CD program reached $1.5 billion and Yankee CDs represented ~23% of total deposits.
Net Interest Income and Margin Resilience
Net interest income set a record, increasing ~5% YoY. Full-year net interest margin was 2.36% (above guidance of 2.30%), and Q4 NIM was 2.39%, supported by active balance sheet and pricing actions.
Large Noninterest Income and Revenue Diversification
Noninterest income grew 54% YoY to $68.4 million, now representing ~19–20% of total revenues (up from ~13% four years prior). Fee lines drove growth: letters of credit fees +20% YoY; syndication/structuring fees rose >70% YoY with 13 transactions across 11 countries (~$5 billion total).
Efficiency and Controlled Operating Leverage
Full-year efficiency ratio was 26.7%, broadly in line with 2024 (26.5%) despite investments in transformation. Management expects efficiency around 28% as investments normalize.
Prudent Capital Actions and Shareholder Returns
Completed first AT1 issuance in September 2025 to strengthen capital; Basel III Tier 1 ratio moved from 18.1% to 17.4% after deployment but remains with ample headroom. Board increased quarterly cash dividend to $0.6875 from $0.625.
Very Strong Asset Quality and Coverage
Stage 1 exposures were 98.2% of total credit portfolio (up from 97.2% prior quarter). Stage 2 fell to 1.5% and Stage 3 was 0.3%. Allowance for credit losses was $107 million, representing ~276% coverage of impaired credits; Q4 recoveries of $0.6 million recorded.
Robust Liquidity and Conservative Investment Portfolio
Investment portfolio totaled $1.4 billion (+19% YoY) with ~91% investment-grade exposure; total liquidity was $1.9 billion (~15% of assets), ~91% placed with the Federal Reserve, and securities eligible as collateral at FRBNY.
Clear 2026 Guidance and Growth Targets
Guidance for 2026: commercial portfolio growth 13–15%, average deposit growth similar, NIM around 2.3%, efficiency ~28%, ROE 14–15%, and Tier 1 capital 15–16% — demonstrating a disciplined plan for profitable growth.
BLX Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BLX Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 12, 2026 | $49.68 | $51.17 | +3.00% |
Oct 28, 2025 | $44.25 | $41.72 | -5.73% |
Aug 04, 2025 | $39.45 | $39.72 | +0.66% |
May 05, 2025 | $37.72 | $37.70 | -0.05% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Banco Latinoamericano De Comercio (BLX) report earnings?
Banco Latinoamericano De Comercio (BLX) is schdueled to report earning on May 06, 2026, Before Open (Confirmed).
What is Banco Latinoamericano De Comercio (BLX) earnings time?
Banco Latinoamericano De Comercio (BLX) earnings time is at May 06, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BLX EPS forecast?
Currently, no data Available