48.8 USD
-0.65 (-1.31%)
48.8 USD
0 (0%)
CATY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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
CATY had positive earnings in the past year.
In the past year CATY had a positive cash flow from operations.
CATY had positive earnings in each of the past 5 years.
In the past 5 years CATY always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CATY (1.27%) is better than 80.41% of its industry peers.
CATY's Return On Equity of 10.50% is fine compared to the rest of the industry. CATY outperforms 68.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.5% | ||
| 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 39.00%, CATY belongs to the best of the industry, outperforming 94.59% of the companies in the same industry.
CATY's Profit Margin has declined 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39% | ||
| 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
The Debt to FCF ratio of CATY is 0.35, which is an excellent value as it means it would take CATY, only 0.35 years of fcf income to pay off all of its debts.
CATY's Debt to FCF ratio of 0.35 is amongst the best of the industry. CATY outperforms 83.25% 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 80.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.21%
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.
CATY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.62% yearly.
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
The Earnings Per Share is expected to grow by 12.76% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.96% on average over the next years.
EPS Next Y13.96%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.27, the valuation of CATY can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CATY indicates a somewhat cheap valuation: CATY is cheaper than 64.69% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, CATY is valued rather cheaply.
CATY is valuated reasonably with a Price/Forward Earnings ratio of 9.36.
Based on the Price/Forward Earnings ratio, CATY is valued a bit cheaper than 66.75% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CATY to the average of the S&P500 Index (23.40), we can say CATY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.27 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
77.06% of the companies in the same industry are more expensive than CATY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.81
PEG (5Y)4.31
EPS Next 2Y14.76%
EPS Next 3Y12.76%
5. Dividend
5.1 Amount
CATY has a Yearly Dividend Yield of 2.71%.
CATY's Dividend Yield is comparable with the industry average which is at 2.74.
CATY's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.09%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
CATY pays out 31.20% of its income as dividend. This is a sustainable payout ratio.
The dividend of CATY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP31.2%
EPS Next 2Y14.76%
EPS Next 3Y12.76%
48.8
-0.65 (-1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.58%
Inst Owner Change-2.02%
Ins Owners1.5%
Ins Owner Change-4.73%
Market Cap3.32B
Revenue(TTM)781.55M
Net Income(TTM)304.81M
Analysts52
Price Target52.84 (8.28%)
Short Float %2.79%
Short Ratio4.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
Yearly Dividend1.37
Dividend Growth(5Y)2.09%
DP31.2%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.88%
Min EPS beat(2)-4.07%
Max EPS beat(2)-1.69%
EPS beat(4)1
Avg EPS beat(4)-1.27%
Min EPS beat(4)-4.07%
Max EPS beat(4)0.87%
EPS beat(8)2
Avg EPS beat(8)-1.2%
EPS beat(12)5
Avg EPS beat(12)0.07%
EPS beat(16)8
Avg EPS beat(16)1.14%
Revenue beat(2)1
Avg Revenue beat(2)-0.05%
Min Revenue beat(2)-1.96%
Max Revenue beat(2)1.86%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)1.86%
Revenue beat(8)3
Avg Revenue beat(8)-1.16%
Revenue beat(12)4
Avg Revenue beat(12)-1.31%
Revenue beat(16)7
Avg Revenue beat(16)-0.53%
PT rev (1m)1.17%
PT rev (3m)0.39%
EPS NQ rev (1m)1.05%
EPS NQ rev (3m)1.99%
EPS NY rev (1m)0.26%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.27 | ||
| Fwd PE | 9.36 | ||
| P/S | 4.25 | ||
| P/FCF | 8.41 | ||
| P/OCF | 8.29 | ||
| P/B | 1.14 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.33
EY8.87%
EPS(NY)5.22
Fwd EY10.69%
FCF(TTM)5.8
FCFY11.89%
OCF(TTM)5.88
OCFY12.06%
SpS11.49
BVpS42.66
TBVpS37.09
PEG (NY)0.81
PEG (5Y)4.31
Graham Number64.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39% | ||
| GM | N/A | ||
| FCFM | 50.53% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.35 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | -1335.87% | ||
| Cap/Sales | 0.7% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 129.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC23.21%
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 Y13.96%
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-4.71%
FCF growth 3Y-0.51%
FCF growth 5Y-5.32%
OCF growth 1Y-3.84%
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 31.2%.