CATHAY GENERAL BANCORP (CATY)

US1491501045 - Common Stock

52.66  +1.15 (+2.23%)

Fundamental Rating

4

CATY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. CATY has an average financial health and profitability rating. CATY has a valuation in line with the averages, but it does not seem to be growing.



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4

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

1.2 Ratios

The Return On Assets of CATY (1.30%) is better than 85.54% of its industry peers.
CATY has a Return On Equity of 10.85%. This is in the better half of the industry: CATY outperforms 74.56% of its industry peers.
Industry RankSector Rank
ROA 1.3%
ROE 10.85%
ROIC N/A
ROA(3y)1.54%
ROA(5y)1.47%
ROE(3y)13.24%
ROE(5y)12.27%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of CATY (40.30%) is better than 96.76% of its industry peers.
CATY's Profit Margin has been stable in the last couple of years.
CATY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 40.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.35%
PM growth 5Y-0.76%
GM growth 3YN/A
GM growth 5YN/A

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5

2. Health

2.1 Basic Checks

CATY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CATY has been reduced compared to 1 year ago.
CATY has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CATY has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of CATY is 0.41, which is an excellent value as it means it would take CATY, only 0.41 years of fcf income to pay off all of its debts.
CATY's Debt to FCF ratio of 0.41 is amongst the best of the industry. CATY outperforms 84.79% 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 82.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.41
Altman-Z N/A
ROIC/WACCN/A
WACC16.8%

2.3 Liquidity

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

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1

3. Growth

3.1 Past

CATY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.54%.
The Earnings Per Share has been growing slightly by 7.85% on average over the past years.
Looking at the last year, CATY shows a decrease in Revenue. The Revenue has decreased by -8.56% in the last year.
The Revenue has been growing slightly by 6.23% on average over the past years.
EPS 1Y (TTM)-21.54%
EPS 3Y19.19%
EPS 5Y7.85%
EPS Q2Q%-16.81%
Revenue 1Y (TTM)-8.56%
Revenue growth 3Y10.84%
Revenue growth 5Y6.23%
Sales Q2Q%-2.05%

3.2 Future

Based on estimates for the next years, CATY will show a decrease in Earnings Per Share. The EPS will decrease by -1.35% on average per year.
Based on estimates for the next years, CATY will show a decrease in Revenue. The Revenue will decrease by -0.02% on average per year.
EPS Next Y-17.38%
EPS Next 2Y-6.05%
EPS Next 3Y-1.35%
EPS Next 5YN/A
Revenue Next Year-8.49%
Revenue Next 2Y-2.27%
Revenue Next 3Y-0.02%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.26, which indicates a correct valuation of CATY.
Based on the Price/Earnings ratio, CATY is valued a bit cheaper than 61.85% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.96. CATY is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 12.28, which indicates a correct valuation of CATY.
CATY's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.82. CATY is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.26
Fwd PE 12.28

4.2 Price Multiples

CATY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CATY is cheaper than 64.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.51
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.69
EPS Next 2Y-6.05%
EPS Next 3Y-1.35%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.63%, CATY has a reasonable but not impressive dividend return.
CATY's Dividend Yield is comparable with the industry average which is at 3.02.
CATY's Dividend Yield is comparable with the S&P500 average which is at 2.23.
Industry RankSector Rank
Dividend Yield 2.63%

5.2 History

The dividend of CATY has a limited annual growth rate of 5.64%.
CATY has paid a dividend for at least 10 years, which is 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 Years13

5.3 Sustainability

32.59% of the earnings are spent on dividend by CATY. This is a low number and sustainable payout ratio.
DP32.59%
EPS Next 2Y-6.05%
EPS Next 3Y-1.35%

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CATHAY GENERAL BANCORP

NASDAQ:CATY (11/22/2024, 1:36:53 PM)

52.66

+1.15 (+2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.80B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 13.26
Fwd PE 12.28
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.69
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 10.85%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 40.3%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-21.54%
EPS 3Y19.19%
EPS 5Y
EPS Q2Q%
EPS Next Y-17.38%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.56%
Revenue growth 3Y10.84%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y