CATHAY GENERAL BANCORP (CATY) Stock Fundamental Analysis
USA - NASDAQ:CATY - US1491501045 - Common Stock
47.555 USD
+0.35 (+0.75%)
Taking everything into account, CATY scores 5 out of 10 in our fundamental rating. CATY was compared to 388 industry peers in the Banks industry. CATY has only an average score on both its financial health and profitability. CATY has a decent growth rate and is not valued too expensively. Finally CATY also has an excellent dividend rating.
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.
Each year in the past 5 years CATY has been profitable.
In the past 5 years CATY always reported a positive cash flow from operatings.
1.2 Ratios
CATY has a Return On Assets of 1.24%. This is amongst the best in the industry. CATY outperforms 81.44% of its industry peers.
CATY's Return On Equity of 10.21% is fine compared to the rest of the industry. CATY outperforms 66.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 10.21% | ||
| 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
Looking at the Profit Margin, with a value of 38.75%, CATY belongs to the top of the industry, outperforming 94.59% 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) | 38.75% | ||
| 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
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
Compared to 5 years ago, CATY has less shares outstanding
Compared to 1 year ago, CATY has a worse debt to assets ratio.
2.2 Solvency
CATY has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
The Debt to FCF ratio of CATY (0.42) is better than 82.99% of its industry peers.
CATY has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
CATY has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. CATY outperforms 81.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.07% over the past year.
Measured over the past 5 years, CATY shows a small growth in Earnings Per Share. The EPS has been growing by 2.62% on average per year.
CATY shows a small growth in Revenue. In the last year, the Revenue has grown by 4.42%.
Measured over the past years, CATY shows a small growth in Revenue. The Revenue has been growing by 3.30% on average per year.
EPS 1Y (TTM)9.07%
EPS 3Y1.3%
EPS 5Y2.62%
EPS Q2Q%20.21%
Revenue 1Y (TTM)4.42%
Revenue growth 3Y3.8%
Revenue growth 5Y3.3%
Sales Q2Q%11.13%
3.2 Future
CATY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.76% yearly.
CATY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.96% yearly.
EPS Next Y13.66%
EPS Next 2Y14.76%
EPS Next 3Y12.76%
EPS Next 5YN/A
Revenue Next Year10.08%
Revenue Next 2Y9.22%
Revenue Next 3Y7.96%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CATY is valuated reasonably with a Price/Earnings ratio of 10.98.
Based on the Price/Earnings ratio, CATY is valued a bit cheaper than the industry average as 61.34% of the companies are valued more expensively.
CATY is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.12 indicates a reasonable valuation of CATY.
CATY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CATY is cheaper than 64.69% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. CATY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
CATY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CATY is cheaper than 66.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CATY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CATY's earnings are expected to grow with 12.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)4.2
EPS Next 2Y14.76%
EPS Next 3Y12.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.92%, CATY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.38, CATY has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CATY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
5.2 History
The dividend of CATY has a limited annual growth rate of 2.09%.
CATY has been paying a dividend for at least 10 years, so it has a reliable track record.
CATY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.09%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
CATY pays out 32.64% of its income as dividend. This is a sustainable payout ratio.
CATY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.64%
EPS Next 2Y14.76%
EPS Next 3Y12.76%
NASDAQ:CATY (11/11/2025, 1:15:22 PM)
47.555
+0.35 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.77%
Inst Owner Change-0.77%
Ins Owners1.49%
Ins Owner Change0.73%
Market Cap3.29B
Revenue(TTM)781.55M
Net Income(TTM)294.67M
Analysts52
Price Target52.22 (9.81%)
Short Float %2.53%
Short Ratio4.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
Yearly Dividend1.37
Dividend Growth(5Y)2.09%
DP32.64%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.41%
Min EPS beat(2)-1.69%
Max EPS beat(2)0.87%
EPS beat(4)1
Avg EPS beat(4)-1%
Min EPS beat(4)-2.99%
Max EPS beat(4)0.87%
EPS beat(8)3
Avg EPS beat(8)-0.55%
EPS beat(12)6
Avg EPS beat(12)0.63%
EPS beat(16)9
Avg EPS beat(16)1.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.52%
Min Revenue beat(2)-1.96%
Max Revenue beat(2)-1.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.53%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)2.07%
Revenue beat(8)2
Avg Revenue beat(8)-1.85%
Revenue beat(12)3
Avg Revenue beat(12)-1.54%
Revenue beat(16)6
Avg Revenue beat(16)-0.75%
PT rev (1m)1.19%
PT rev (3m)-0.78%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)-0.34%
EPS NY rev (3m)0.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)1.22%
Revenue NY rev (3m)1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.12 | ||
| P/S | 4.32 | ||
| P/FCF | 10.11 | ||
| P/OCF | 9.93 | ||
| P/B | 1.14 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.33
EY9.11%
EPS(NY)5.22
Fwd EY10.97%
FCF(TTM)4.7
FCFY9.89%
OCF(TTM)4.79
OCFY10.07%
SpS11.01
BVpS41.78
TBVpS36.3
PEG (NY)0.8
PEG (5Y)4.2
Graham Number63.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 10.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 38.75% | ||
| GM | N/A | ||
| FCFM | 42.72% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 294.26% | ||
| Cap/Sales | 0.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 110.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC23.58%
ROIC/WACCN/A
Cap/Depr(3y)41.75%
Cap/Depr(5y)49.36%
Cap/Sales(3y)0.45%
Cap/Sales(5y)0.58%
Profit Quality(3y)116.73%
Profit Quality(5y)119.66%
High Growth Momentum
Growth
EPS 1Y (TTM)9.07%
EPS 3Y1.3%
EPS 5Y2.62%
EPS Q2Q%20.21%
EPS Next Y13.66%
EPS Next 2Y14.76%
EPS Next 3Y12.76%
EPS Next 5YN/A
Revenue 1Y (TTM)4.42%
Revenue growth 3Y3.8%
Revenue growth 5Y3.3%
Sales Q2Q%11.13%
Revenue Next Year10.08%
Revenue Next 2Y9.22%
Revenue Next 3Y7.96%
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-34.98%
FCF growth 3Y-0.51%
FCF growth 5Y-5.32%
OCF growth 1Y-34.04%
OCF growth 3Y-0.52%
OCF growth 5Y-5.42%
CATHAY GENERAL BANCORP / CATY FAQ
What is the fundamental rating for CATY stock?
ChartMill assigns a fundamental rating of 5 / 10 to CATY.
Can you provide the valuation status for CATHAY GENERAL BANCORP?
ChartMill assigns a valuation rating of 6 / 10 to CATHAY GENERAL BANCORP (CATY). This can be considered as Fairly Valued.
Can you provide the profitability details for CATHAY GENERAL BANCORP?
CATHAY GENERAL BANCORP (CATY) has a profitability rating of 4 / 10.
How financially healthy is CATHAY GENERAL BANCORP?
The financial health rating of CATHAY GENERAL BANCORP (CATY) is 4 / 10.
How sustainable is the dividend of CATHAY GENERAL BANCORP (CATY) stock?
The dividend rating of CATHAY GENERAL BANCORP (CATY) is 7 / 10 and the dividend payout ratio is 32.64%.