CATHAY GENERAL BANCORP (CATY) Fundamental Analysis & Valuation

NASDAQ:CATY • US1491501045

Current stock price

54.38 USD
-0.87 (-1.57%)
At close:
54.38 USD
0 (0%)
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

  • 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.
  • Each year in the past 5 years CATY had a positive operating cash flow.
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

  • CATY's Return On Assets of 1.30% is fine compared to the rest of the industry. CATY outperforms 79.26% of its industry peers.
  • CATY has a Return On Equity of 10.77%. This is in the better half of the industry: CATY outperforms 65.43% of its industry peers.
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.
  • 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) 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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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

  • CATY has a debt to FCF ratio of 0.38. This is a very positive value and a sign of high solvency as it would only need 0.38 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.38, CATY belongs to the best of the industry, outperforming 84.04% of the companies in the same industry.
  • CATY has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CATY (0.05) is better than 80.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Altman-Z N/A
ROIC/WACCN/A
WACC21.26%
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

  • CATY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.47%, which is quite impressive.
  • CATY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.61% yearly.
  • The Revenue has grown by 12.08% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.57% on average over the past years.
EPS 1Y (TTM)22.47%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%31.63%
Revenue 1Y (TTM)12.08%
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.
  • The Revenue is expected to grow by 7.18% on average over the next years.
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

  • 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 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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6

4. CATY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.21, the valuation of CATY can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of CATY indicates a somewhat cheap valuation: CATY is cheaper than 63.03% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CATY to the average of the S&P500 Index (27.42), we can say CATY is valued rather cheaply.
  • CATY is valuated reasonably with a Price/Forward Earnings ratio of 9.32.
  • Based on the Price/Forward Earnings ratio, CATY is valued a bit cheaper than 65.69% of the companies in the same industry.
  • CATY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.21
Fwd PE 9.32
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 70.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.01
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.
  • A more expensive valuation may be justified as CATY's earnings are expected to grow with 13.37% in the coming years.
PEG (NY)0.62
PEG (5Y)1.17
EPS Next 2Y13.37%
EPS Next 3YN/A

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

7

5. CATY Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.75%, CATY has a reasonable but not impressive dividend return.
  • CATY's Dividend Yield is comparable with the industry average which is at 2.56.
  • Compared to an average S&P500 Dividend Yield of 1.81, CATY pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.75%

5.2 History

  • The dividend of CATY has a limited annual growth rate of 1.95%.
  • CATY has paid a dividend for at least 10 years, which is 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)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

  • 29.77% of the earnings are spent on dividend by CATY. This is a low number and 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

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CATY Fundamentals: All Metrics, Ratios and Statistics

CATHAY GENERAL BANCORP

NASDAQ:CATY (4/24/2026, 8:25:00 PM)

After market: 54.38 0 (0%)

54.38

-0.87 (-1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22
Earnings (Next)07-20
Inst Owners75.75%
Inst Owner Change0.04%
Ins Owners1.49%
Ins Owner Change1.38%
Market Cap3.64B
Revenue(TTM)817.89M
Net Income(TTM)315.12M
Analysts52
Price Target54.88 (0.92%)
Short Float %2.41%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
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)-1.82%
PT rev (3m)3.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.5%
EPS NY rev (1m)0%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 11.21
Fwd PE 9.32
P/S 4.45
P/FCF 10.01
P/OCF 9.88
P/B 1.24
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)4.85
EY8.92%
EPS(NY)5.84
Fwd EY10.73%
FCF(TTM)5.43
FCFY9.99%
OCF(TTM)5.5
OCFY10.12%
SpS12.21
BVpS43.69
TBVpS38.04
PEG (NY)0.62
PEG (5Y)1.17
Graham Number69.0472 (26.97%)
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
WACC21.26%
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)22.47%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%31.63%
EPS Next Y18.08%
EPS Next 2Y13.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.08%
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%.