CATY Fundamental Analysis - CATHAY GENERAL BANCORP

Fundamental Rating

Overall CATY gets a fundamental rating of 4 out of 10. We evaluated CATY against 397 industry peers in the Banks industry. Both the profitability and the financial health of CATY get a neutral evaluation. Nothing too spectacular is happening here. CATY has a decent growth rate and is not valued too expensively.

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1. Profitability

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.

In the past 5 years CATY always reported a positive cash flow from operatings.

1.2 Ratios

CATY has a better Return On Assets (1.22%) than 79.60% of its industry peers.

CATY has a better Return On Equity (9.91%) than 64.99% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.22%
ROE	9.91%
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

CATY's Profit Margin of 38.26% is amongst the best of the industry. CATY outperforms 94.21% of its industry peers.

CATY's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for CATY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	38.26%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CATY does not have a ROIC to compare to the WACC, probably because it is not profitable.

CATY has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, CATY has less shares outstanding

The debt/assets ratio for CATY is higher compared to a year ago.

2.2 Solvency

CATY has a debt to FCF ratio of 0.41. This is a very positive value and a sign of high solvency as it would only need 0.41 years to pay back of all of its debts.

CATY's Debt to FCF ratio of 0.41 is amongst the best of the industry. CATY outperforms 83.63% of its industry peers.

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 81.36% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.41
Altman-Z	N/A

ROIC/WACCN/A

WACC23.36%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CATY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.39%.

CATY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.62% yearly.

Looking at the last year, CATY shows a decrease in Revenue. The Revenue has decreased by -4.63% in the last year.

CATY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.30% yearly.

EPS 1Y (TTM)-12.39%

EPS 3Y1.3%

EPS 5Y2.62%

EPS Q2Q%0%

Revenue 1Y (TTM)-4.63%

Revenue growth 3Y3.8%

Revenue growth 5Y3.3%

Sales Q2Q%7.23%

3.2 Future

The Earnings Per Share is expected to grow by 10.93% on average over the next years. This is quite good.

Based on estimates for the next years, CATY will show a small growth in Revenue. The Revenue will grow by 6.90% on average per year.

EPS Next Y13.09%

EPS Next 2Y12.69%

EPS Next 3Y10.93%

EPS Next 5YN/A

Revenue Next Year8.69%

Revenue Next 2Y7.78%

Revenue Next 3Y6.9%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.15 indicates a correct valuation of CATY.

Compared to the rest of the industry, the Price/Earnings ratio of CATY is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 27.30, CATY is valued rather cheaply.

A Price/Forward Earnings ratio of 9.56 indicates a reasonable valuation of CATY.

CATY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CATY is cheaper than 62.22% of the companies in the same industry.

CATY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.

		Industry Rank	Sector Rank
PE	12.15
Fwd PE	9.56

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CATY is valued a bit cheaper than 62.47% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.08
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.

PEG (NY)0.93

PEG (5Y)4.64

EPS Next 2Y12.69%

EPS Next 3Y10.93%

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5. Dividend

5.1 Amount

CATY has a Yearly Dividend Yield of 2.84%.

Compared to an average industry Dividend Yield of 3.30, CATY has a dividend in line with its industry peers.

CATY's Dividend Yield is comparable with the S&P500 average which is at 2.37.

		Industry Rank	Sector Rank
Dividend Yield	2.84%

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

34.19% 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.

DP34.19%

EPS Next 2Y12.69%

EPS Next 3Y10.93%

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CATHAY GENERAL BANCORP

NASDAQ:CATY (7/11/2025, 8:00:02 PM)

After market: 48.1 0 (0%)

48.1

-0.37 (-0.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-28 2025-07-28/amc

Inst Owners76.42%

Inst Owner Change-0.01%

Ins Owners1.46%

Ins Owner Change7.62%

Market Cap3.37B

Analysts78.18

Price Target49.16 (2.2%)

Short Float %2.47%

Short Ratio3.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.84%

Yearly Dividend1.37

Dividend Growth(5Y)2.09%

DP34.19%

Div Incr Years0

Div Non Decr Years14

Ex-Date05-29 2025-05-29 (0.34)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.35%

Min EPS beat(2)-0.18%

Max EPS beat(2)0.87%

EPS beat(4)1

Avg EPS beat(4)-1.51%

Min EPS beat(4)-3.72%

Max EPS beat(4)0.87%

EPS beat(8)4

Avg EPS beat(8)1.04%

EPS beat(12)6

Avg EPS beat(12)0.7%

EPS beat(16)10

Avg EPS beat(16)2.46%

Revenue beat(2)0

Avg Revenue beat(2)-1.11%

Min Revenue beat(2)-1.14%

Max Revenue beat(2)-1.08%

Revenue beat(4)1

Avg Revenue beat(4)-0.62%

Min Revenue beat(4)-2.32%

Max Revenue beat(4)2.07%

Revenue beat(8)3

Avg Revenue beat(8)-1.33%

Revenue beat(12)4

Avg Revenue beat(12)-1.28%

Revenue beat(16)7

Avg Revenue beat(16)-0.56%

PT rev (1m)2.55%

PT rev (3m)-7.31%

EPS NQ rev (1m)1.5%

EPS NQ rev (3m)5.6%

EPS NY rev (1m)0.11%

EPS NY rev (3m)3.81%

Revenue NQ rev (1m)-0.12%

Revenue NQ rev (3m)2.56%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)2.28%

Valuation

		Industry Rank	Sector Rank
PE	12.15
Fwd PE	9.56
P/S	4.54
P/FCF	10.08
P/OCF	9.92
P/B	1.18
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)3.96

EY8.23%

EPS(NY)5.03

Fwd EY10.45%

FCF(TTM)4.77

FCFY9.92%

OCF(TTM)4.85

OCFY10.08%

SpS10.59

BVpS40.87

TBVpS35.46

PEG (NY)0.93

PEG (5Y)4.64

Profitability

		Industry Rank	Sector Rank
ROA	1.22%
ROE	9.91%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.26%
GM	N/A
FCFM	45.06%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.41
Debt/EBITDA	N/A
Cap/Depr	32.63%
Cap/Sales	0.73%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	117.77%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC23.36%

ROIC/WACCN/A

Cap/Depr(3y)24.8%

Cap/Depr(5y)39.19%

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)-12.39%

EPS 3Y1.3%

EPS 5Y2.62%

EPS Q2Q%0%

EPS Next Y13.09%

EPS Next 2Y12.69%

EPS Next 3Y10.93%

EPS Next 5YN/A

Revenue 1Y (TTM)-4.63%

Revenue growth 3Y3.8%

Revenue growth 5Y3.3%

Sales Q2Q%7.23%

Revenue Next Year8.69%

Revenue Next 2Y7.78%

Revenue Next 3Y6.9%

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-33.05%

FCF growth 3Y-0.51%

FCF growth 5Y-5.32%

OCF growth 1Y-32.3%

OCF growth 3Y-0.52%

OCF growth 5Y-5.42%

CATHAY GENERAL BANCORP (CATY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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