CATHAY GENERAL BANCORP(NASDAQ:CATY) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CATY scores 4 out of 10 in our fundamental rating. CATY was compared to 405 industry peers in the Banks industry. CATY has an average financial health and profitability rating. CATY has a correct valuation and a medium growth rate. Finally CATY also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year CATY was profitable.

In the past year CATY had a positive cash flow from operations.

In the past 5 years CATY has always been profitable.

CATY had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

CATY has a Return On Assets of 1.24%. This is amongst the best in the industry. CATY outperforms 81.91% of its industry peers.

CATY has a Return On Equity of 10.19%. This is in the better half of the industry: CATY outperforms 74.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	10.19%
ROIC	N/A

ROA(3y)1.47%

ROA(5y)1.41%

ROE(3y)12.52%

ROE(5y)11.85%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 38.52%, CATY belongs to the best of the industry, outperforming 95.48% of the companies in the same industry.

In the last couple of years the Profit Margin of CATY has declined.

CATY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	38.52%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.01%

PM growth 5Y-2.72%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CATY does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CATY has less shares outstanding

CATY has less shares outstanding than it did 5 years ago.

The debt/assets ratio for CATY is higher compared to a year ago.

2.2 Solvency

CATY has a debt to FCF ratio of 0.45. This is a very positive value and a sign of high solvency as it would only need 0.45 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 0.45, CATY belongs to the best of the industry, outperforming 85.43% of the companies in the same industry.

A Debt/Equity ratio of 0.05 indicates that CATY is not too dependend on debt financing.

The Debt to Equity ratio of CATY (0.05) is better than 82.41% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.45
Altman-Z	N/A

ROIC/WACCN/A

WACC17.6%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CATY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.52%.

The Earnings Per Share has been growing slightly by 2.62% on average over the past years.

CATY shows a decrease in Revenue. In the last year, the revenue decreased by -9.89%.

CATY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.30% yearly.

EPS 1Y (TTM)-18.52%

EPS 3Y1.3%

EPS 5Y2.62%

EPS Q2Q%-0.88%

Revenue 1Y (TTM)-9.89%

Revenue growth 3Y3.8%

Revenue growth 5Y3.3%

Sales Q2Q%-9.14%

3.2 Future

The Earnings Per Share is expected to grow by 8.81% on average over the next years. This is quite good.

CATY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.51% yearly.

EPS Next Y6.47%

EPS Next 2Y8.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.54%

Revenue Next 2Y5.51%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.91, which indicates a very decent valuation of CATY.

Compared to the rest of the industry, the Price/Earnings ratio of CATY indicates a somewhat cheap valuation: CATY is cheaper than 66.33% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CATY to the average of the S&P500 Index (28.47), we can say CATY is valued rather cheaply.

The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of CATY.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CATY indicates a somewhat cheap valuation: CATY is cheaper than 60.05% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, CATY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	11.19

4.2 Price Multiples

CATY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CATY is cheaper than 62.81% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.06
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)1.84

PEG (5Y)4.55

EPS Next 2Y8.81%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CATY has a Yearly Dividend Yield of 2.87%.

Compared to an average industry Dividend Yield of 3.15, CATY has a dividend in line with its industry peers.

CATY's Dividend Yield is a higher than the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	2.87%

5.2 History

The dividend of CATY has a limited annual growth rate of 5.64%.

CATY has been paying a dividend for at least 10 years, so it has a reliable track record.

CATY has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)5.64%

Div Incr Years0

Div Non Decr Years14

5.3 Sustainability

34.18% of the earnings are spent on dividend by CATY. This is a low number and sustainable payout ratio.

CATY's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP34.18%

EPS Next 2Y8.81%

EPS Next 3YN/A

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CATHAY GENERAL BANCORP

NASDAQ:CATY (2/4/2025, 8:00:02 PM)

After market: 47.18 0 (0%)

47.18

+0.62 (+1.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)N/A N/A

Inst Owners74.15%

Inst Owner Change0.51%

Ins Owners1.43%

Ins Owner Change-3.23%

Market Cap3.36B

Analysts78.18

Price Target53.45 (13.29%)

Short Float %3.3%

Short Ratio6.44

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.87%

Yearly Dividend1.35

Dividend Growth(5Y)5.64%

DP34.18%

Div Incr Years0

Div Non Decr Years14

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-3.36%

Min EPS beat(2)-3.72%

Max EPS beat(2)-2.99%

EPS beat(4)1

Avg EPS beat(4)-1.13%

Min EPS beat(4)-3.72%

Max EPS beat(4)4.19%

EPS beat(8)4

Avg EPS beat(8)0.74%

EPS beat(12)7

Avg EPS beat(12)1.95%

EPS beat(16)11

Avg EPS beat(16)4.38%

Revenue beat(2)1

Avg Revenue beat(2)-0.12%

Min Revenue beat(2)-2.32%

Max Revenue beat(2)2.07%

Revenue beat(4)2

Avg Revenue beat(4)-1.74%

Min Revenue beat(4)-8.38%

Max Revenue beat(4)2.07%

Revenue beat(8)3

Avg Revenue beat(8)-1.68%

Revenue beat(12)6

Avg Revenue beat(12)-0.51%

Revenue beat(16)7

Avg Revenue beat(16)-0.62%

PT rev (1m)0.38%

PT rev (3m)17.1%

EPS NQ rev (1m)0.55%

EPS NQ rev (3m)1.54%

EPS NY rev (1m)-2.16%

EPS NY rev (3m)-1.71%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)0.53%

Revenue NY rev (1m)-0.31%

Revenue NY rev (3m)0.22%

Valuation

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	11.19
P/S	4.49
P/FCF	11.06
P/OCF	10.9
P/B	1.19
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)3.96

EY8.39%

EPS(NY)4.22

Fwd EY8.94%

FCF(TTM)4.27

FCFY9.04%

OCF(TTM)4.33

OCFY9.17%

SpS10.51

BVpS39.75

TBVpS34.42

PEG (NY)1.84

PEG (5Y)4.55

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	10.19%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.52%
GM	N/A
FCFM	40.58%

ROA(3y)1.47%

ROA(5y)1.41%

ROE(3y)12.52%

ROE(5y)11.85%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.01%

PM growth 5Y-2.72%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.45
Debt/EBITDA	N/A
Cap/Depr	30.21%
Cap/Sales	0.6%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC17.6%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-18.52%

EPS 3Y1.3%

EPS 5Y2.62%

EPS Q2Q%-0.88%

EPS Next Y6.47%

EPS Next 2Y8.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-9.89%

Revenue growth 3Y3.8%

Revenue growth 5Y3.3%

Sales Q2Q%-9.14%

Revenue Next Year4.54%

Revenue Next 2Y5.51%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-26.71%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-25.97%

OCF growth 3YN/A

OCF growth 5YN/A

CATHAY GENERAL BANCORP (CATY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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