CATHAY GENERAL BANCORP (CATY) Fundamental Analysis & Valuation

NASDAQ:CATY • US1491501045

Current stock price

56.41 USD
+0.38 (+0.68%)
At close:
55.7053 USD
-0.7 (-1.25%)
After Hours:

This CATY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CATY Profitability Analysis

1.1 Basic Checks

  • CATY had positive earnings in the past year.
  • CATY had a positive operating cash flow in the past year.
  • 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.
CATY Yearly Net Income VS EBIT VS OCF VS FCFCATY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of CATY (1.30%) is better than 79.79% of its industry peers.
  • With a decent Return On Equity value of 10.77%, CATY is doing good in the industry, outperforming 65.16% of the companies in the same industry.
Industry RankSector Rank
ROA 1.3%
ROE 10.77%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.43%
ROE(3y)11.25%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
CATY Yearly ROA, ROE, ROICCATY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • CATY has a better Profit Margin (38.53%) than 93.88% of its industry peers.
  • In the last couple of years the Profit Margin of CATY has remained more or less at the same level.
  • 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) 38.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.47%
PM growth 5Y0.03%
GM growth 3YN/A
GM growth 5YN/A
CATY Yearly Profit, Operating, Gross MarginsCATY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. CATY Health Analysis

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.
  • CATY has a better debt/assets ratio than last year.
CATY Yearly Shares OutstandingCATY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CATY Yearly Total Debt VS Total AssetsCATY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of CATY is 0.38, which is an excellent value as it means it would take CATY, only 0.38 years of fcf income to pay off all of its debts.
  • CATY has a better Debt to FCF ratio (0.38) than 83.78% of its industry peers.
  • 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 80.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Altman-Z N/A
ROIC/WACCN/A
WACC20.91%
CATY Yearly LT Debt VS Equity VS FCFCATY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CATY Yearly Current Assets VS Current LiabilitesCATY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CATY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.28% over the past year.
  • Measured over the past years, CATY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.61% on average per year.
  • CATY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.81%.
  • Measured over the past years, CATY shows a small growth in Revenue. The Revenue has been growing by 6.57% on average per year.
EPS 1Y (TTM)28.28%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%55.1%
Revenue 1Y (TTM)13.81%
Revenue growth 3Y1.14%
Revenue growth 5Y6.57%
Sales Q2Q%14.37%

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 13.37% yearly.
  • CATY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.18% yearly.
EPS Next Y18.08%
EPS Next 2Y13.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.98%
Revenue Next 2Y7.18%
Revenue Next 3YN/A
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CATY Yearly Revenue VS EstimatesCATY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
CATY Yearly EPS VS EstimatesCATY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

6

4. CATY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.10, the valuation of CATY can be described as very reasonable.
  • 64.89% of the companies in the same industry are more expensive than CATY, based on the Price/Earnings ratio.
  • CATY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • The Price/Forward Earnings ratio is 9.67, which indicates a very decent valuation of CATY.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CATY.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. CATY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.1
Fwd PE 9.67
CATY Price Earnings VS Forward Price EarningsCATY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CATY is valued a bit cheaper than 70.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.39
EV/EBITDA N/A
CATY Per share dataCATY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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 13.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.16
EPS Next 2Y13.37%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CATY Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.71%, CATY has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.56, CATY has a dividend in line with its industry peers.
  • CATY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.71%

5.2 History

  • The dividend of CATY has a limited annual growth rate of 1.95%.
  • 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)1.95%
Div Incr Years0
Div Non Decr Years15
CATY Yearly Dividends per shareCATY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CATY pays out 29.77% 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.
DP29.77%
EPS Next 2Y13.37%
EPS Next 3YN/A
CATY Yearly Income VS Free CF VS DividendCATY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
CATY Dividend Payout.CATY Dividend Payout, showing the Payout Ratio.CATY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CATY Fundamentals: All Metrics, Ratios and Statistics

CATHAY GENERAL BANCORP

NASDAQ:CATY (5/1/2026, 8:13:29 PM)

After market: 55.7053 -0.7 (-1.25%)

56.41

+0.38 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-22
Earnings (Next)07-20
Inst Owners75.75%
Inst Owner Change-0.04%
Ins Owners1.49%
Ins Owner Change1.38%
Market Cap3.78B
Revenue(TTM)844.88M
Net Income(TTM)315.12M
Analysts52
Price Target57.53 (1.99%)
Short Float %2.38%
Short Ratio3.09
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
Yearly Dividend1.36
Dividend Growth(5Y)1.95%
DP29.77%
Div Incr Years0
Div Non Decr Years15
Ex-Date02-26
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.5%
Min EPS beat(2)-4.07%
Max EPS beat(2)7.07%
EPS beat(4)2
Avg EPS beat(4)0.55%
Min EPS beat(4)-4.07%
Max EPS beat(4)7.07%
EPS beat(8)2
Avg EPS beat(8)-0.84%
EPS beat(12)6
Avg EPS beat(12)1.08%
EPS beat(16)8
Avg EPS beat(16)1.28%
Revenue beat(2)2
Avg Revenue beat(2)2.76%
Min Revenue beat(2)1.86%
Max Revenue beat(2)3.67%
Revenue beat(4)2
Avg Revenue beat(4)0.62%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)3.67%
Revenue beat(8)3
Avg Revenue beat(8)-0.91%
Revenue beat(12)5
Avg Revenue beat(12)-0.79%
Revenue beat(16)7
Avg Revenue beat(16)-0.52%
PT rev (1m)2.92%
PT rev (3m)8.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.81%
Valuation
Industry RankSector Rank
PE 11.1
Fwd PE 9.67
P/S 4.62
P/FCF 10.39
P/OCF 10.25
P/B 1.29
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)5.08
EY9.01%
EPS(NY)5.84
Fwd EY10.34%
FCF(TTM)5.43
FCFY9.63%
OCF(TTM)5.5
OCFY9.76%
SpS12.21
BVpS43.69
TBVpS38.04
PEG (NY)0.61
PEG (5Y)1.16
Graham Number70.6655 (25.27%)
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 10.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.53%
GM N/A
FCFM 44.46%
ROA(3y)1.36%
ROA(5y)1.43%
ROE(3y)11.25%
ROE(5y)12.11%
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-5.47%
PM growth 5Y0.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Debt/EBITDA N/A
Cap/Depr 74.43%
Cap/Sales 0.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.91%
ROIC/WACCN/A
Cap/Depr(3y)55.23%
Cap/Depr(5y)49.19%
Cap/Sales(3y)0.51%
Cap/Sales(5y)0.5%
Profit Quality(3y)112.3%
Profit Quality(5y)115.28%
High Growth Momentum
Growth
EPS 1Y (TTM)28.28%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%55.1%
EPS Next Y18.08%
EPS Next 2Y13.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.81%
Revenue growth 3Y1.14%
Revenue growth 5Y6.57%
Sales Q2Q%14.37%
Revenue Next Year8.98%
Revenue Next 2Y7.18%
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 1Y11.72%
FCF growth 3Y-7.8%
FCF growth 5Y2.97%
OCF growth 1Y11.97%
OCF growth 3Y-7.61%
OCF growth 5Y2.87%

CATHAY GENERAL BANCORP / CATY Fundamental Analysis FAQ

What is the fundamental rating for CATY stock?

ChartMill assigns a fundamental rating of 5 / 10 to CATY.


What is the valuation status of CATHAY GENERAL BANCORP (CATY) stock?

ChartMill assigns a valuation rating of 6 / 10 to CATHAY GENERAL BANCORP (CATY). This can be considered as Fairly Valued.


What is the profitability of CATY stock?

CATHAY GENERAL BANCORP (CATY) has a profitability rating of 4 / 10.


Can you provide the financial health for CATY stock?

The financial health rating of CATHAY GENERAL BANCORP (CATY) is 5 / 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 29.77%.