50.02 USD
-0.2 (-0.4%)
50.02 USD
0 (0%)
Taking everything into account, CATY scores 5 out of 10 in our fundamental rating. CATY was compared to 387 industry peers in the Banks industry. CATY has an average financial health and profitability rating. CATY has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years CATY has been profitable.
Each year in the past 5 years CATY had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.27%, CATY belongs to the top of the industry, outperforming 81.14% of the companies in the same industry.
The Return On Equity of CATY (10.50%) is better than 68.48% 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
CATY has a Profit Margin of 39.00%. This is amongst the best in the industry. CATY outperforms 94.57% of its industry peers.
In the last couple of years the Profit Margin of CATY has declined.
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) | 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
CATY has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CATY is higher compared to a year ago.
2.2 Solvency
CATY has a debt to FCF ratio of 0.35. This is a very positive value and a sign of high solvency as it would only need 0.35 years to pay back of all of its debts.
CATY's Debt to FCF ratio of 0.35 is amongst the best of the industry. CATY outperforms 82.95% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that CATY is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.05, CATY belongs to the top of the industry, outperforming 80.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CATY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.07%, which is quite good.
The Earnings Per Share has been growing slightly by 2.62% on average over the past years.
Looking at the last year, CATY shows a small growth in Revenue. The Revenue has grown by 4.42% 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)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
Based on estimates for the next years, CATY will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.76% on average per year.
CATY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.96% yearly.
EPS Next Y13.66%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CATY is valuated reasonably with a Price/Earnings ratio of 11.55.
Based on the Price/Earnings ratio, CATY is valued a bit cheaper than the industry average as 65.12% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.54. CATY is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of CATY.
66.93% of the companies in the same industry are more expensive than CATY, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, CATY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.55 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CATY indicates a somewhat cheap valuation: CATY is cheaper than 77.26% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.62 | ||
| 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.
A more expensive valuation may be justified as CATY's earnings are expected to grow with 12.76% in the coming years.
PEG (NY)0.85
PEG (5Y)4.41
EPS Next 2Y14.76%
EPS Next 3Y12.76%
5. Dividend
5.1 Amount
CATY has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
CATY's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.27, CATY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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.
CATY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.2%
EPS Next 2Y14.76%
EPS Next 3Y12.76%
50.02
-0.2 (-0.4%)
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-4.85%
Market Cap3.40B
Revenue(TTM)781.55M
Net Income(TTM)304.81M
Analysts52
Price Target52.22 (4.4%)
Short Float %2.64%
Short Ratio4.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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)0%
PT rev (3m)-0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.34%
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 | 11.55 | ||
| Fwd PE | 9.59 | ||
| P/S | 4.35 | ||
| P/FCF | 8.62 | ||
| P/OCF | 8.5 | ||
| P/B | 1.17 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.33
EY8.66%
EPS(NY)5.22
Fwd EY10.43%
FCF(TTM)5.8
FCFY11.6%
OCF(TTM)5.88
OCFY11.76%
SpS11.49
BVpS42.66
TBVpS37.09
PEG (NY)0.85
PEG (5Y)4.41
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
WACC23.06%
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 Y13.66%
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 6 / 10 and the dividend payout ratio is 31.2%.