CATHAY GENERAL BANCORP (CATY) Fundamental Analysis & Valuation

NASDAQ:CATY • US1491501045

Current stock price

49.5 USD
+0.53 (+1.08%)
At close:
49.5 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.
  • 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.
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

  • With a decent Return On Assets value of 1.30%, CATY is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • CATY has a Return On Equity of 10.77%. This is in the better half of the industry: CATY outperforms 67.37% 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 Profit Margin of 38.53%. This is amongst the best in the industry. CATY outperforms 94.21% 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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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
  • The number of shares outstanding for CATY has been reduced compared to 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.
  • Looking at the Debt to FCF ratio, with a value of 0.38, CATY belongs to the top of the industry, outperforming 83.95% of the companies in the same industry.
  • A Debt/Equity ratio of 0.05 indicates that CATY is not too dependend on debt financing.
  • CATY's Debt to Equity ratio of 0.05 is amongst the best of the industry. CATY outperforms 80.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.38
Altman-Z N/A
ROIC/WACCN/A
WACC22.58%
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

5

3. CATY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.65% over the past year.
  • The Earnings Per Share has been growing by 9.61% on average over the past years. This is quite good.
  • 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)14.65%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%18.75%
Revenue 1Y (TTM)12.08%
Revenue growth 3Y1.14%
Revenue growth 5Y6.57%
Sales Q2Q%19.49%

3.2 Future

  • Based on estimates for the next years, CATY will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.37% on average per year.
  • 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

  • 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

  • With a Price/Earnings ratio of 10.90, the valuation of CATY can be described as very reasonable.
  • Based on the Price/Earnings ratio, CATY is valued a bit cheaper than the industry average as 63.68% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, CATY is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.23, the valuation of CATY can be described as very reasonable.
  • 70.79% of the companies in the same industry are more expensive than CATY, based on the Price/Forward Earnings ratio.
  • CATY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.9
Fwd PE 9.23
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

  • 73.42% of the companies in the same industry are more expensive than CATY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.11
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

  • 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 13.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)1.14
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

  • CATY has a Yearly Dividend Yield of 3.20%.
  • CATY's Dividend Yield is comparable with the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, CATY pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.2%

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 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 Years14
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

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CATY Fundamentals: All Metrics, Ratios and Statistics

CATHAY GENERAL BANCORP

NASDAQ:CATY (3/25/2026, 4:04:04 PM)

After market: 49.5 0 (0%)

49.5

+0.53 (+1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners75.06%
Inst Owner Change-2.83%
Ins Owners1.45%
Ins Owner Change-4.88%
Market Cap3.31B
Revenue(TTM)817.89M
Net Income(TTM)315.12M
Analysts52
Price Target55.9 (12.93%)
Short Float %3.09%
Short Ratio4.79
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend1.36
Dividend Growth(5Y)1.95%
DP29.77%
Div Incr Years0
Div Non Decr Years14
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)0%
PT rev (3m)7.03%
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 10.9
Fwd PE 9.23
P/S 4.05
P/FCF 9.11
P/OCF 8.99
P/B 1.13
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)4.54
EY9.17%
EPS(NY)5.36
Fwd EY10.83%
FCF(TTM)5.43
FCFY10.97%
OCF(TTM)5.5
OCFY11.12%
SpS12.21
BVpS43.69
TBVpS38.04
PEG (NY)0.6
PEG (5Y)1.14
Graham Number66.8
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
WACC22.58%
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)14.65%
EPS 3Y-2.45%
EPS 5Y9.61%
EPS Q2Q%18.75%
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%19.49%
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.


Can you provide the profitability details for CATHAY GENERAL BANCORP?

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


Can you provide the expected EPS growth for CATY stock?

The Earnings per Share (EPS) of CATHAY GENERAL BANCORP (CATY) is expected to grow by 18.08% in the next year.


Is the dividend of CATHAY GENERAL BANCORP sustainable?

The dividend rating of CATHAY GENERAL BANCORP (CATY) is 7 / 10 and the dividend payout ratio is 29.77%.