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CATHAY GENERAL BANCORP (CATY) Stock Fundamental Analysis

NASDAQ:CATY - US1491501045 - Common Stock

49.805 USD
-0.62 (-1.22%)
Last: 8/28/2025, 8:00:02 PM
49.8 USD
-0.01 (-0.01%)
After Hours: 8/28/2025, 8:00:02 PM
Fundamental Rating

4

Overall CATY gets a fundamental rating of 4 out of 10. We evaluated CATY against 393 industry peers in the Banks industry. CATY has an average financial health and profitability rating. CATY is not valued too expensively and it also shows a decent growth rate. CATY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CATY was profitable.
CATY had a positive operating cash flow in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

CATY's Return On Assets of 1.24% is amongst the best of the industry. CATY outperforms 81.68% of its industry peers.
Looking at the Return On Equity, with a value of 10.21%, CATY is in the better half of the industry, outperforming 69.21% of the companies in the same industry.
Industry RankSector Rank
ROA 1.24%
ROE 10.21%
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
CATY Yearly ROA, ROE, ROICCATY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 38.75%, CATY belongs to the top of the industry, outperforming 94.66% of the companies in the same industry.
In the last couple of years the Profit Margin of CATY has declined.
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) 38.75%
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
CATY Yearly Profit, Operating, Gross MarginsCATY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

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
The number of shares outstanding for CATY has been reduced compared to 5 years ago.
CATY has a worse debt/assets ratio than last year.
CATY Yearly Shares OutstandingCATY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CATY Yearly Total Debt VS Total AssetsCATY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of CATY is 0.42, which is an excellent value as it means it would take CATY, only 0.42 years of fcf income to pay off all of its debts.
CATY's Debt to FCF ratio of 0.42 is amongst the best of the industry. CATY outperforms 83.46% 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 81.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACCN/A
WACC23.01%
CATY Yearly LT Debt VS Equity VS FCFCATY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

The earnings per share for CATY have decreased by -0.48% in the last year.
Measured over the past 5 years, CATY shows a small growth in Earnings Per Share. The EPS has been growing by 2.62% on average per year.
The Revenue has been growing slightly by 1.08% in the past year.
Measured over the past years, CATY shows a small growth in Revenue. The Revenue has been growing by 3.30% on average per year.
EPS 1Y (TTM)-0.48%
EPS 3Y1.3%
EPS 5Y2.62%
EPS Q2Q%19.57%
Revenue 1Y (TTM)1.08%
Revenue growth 3Y3.8%
Revenue growth 5Y3.3%
Sales Q2Q%10.13%

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 12.31% yearly.
Based on estimates for the next years, CATY will show a small growth in Revenue. The Revenue will grow by 7.18% on average per year.
EPS Next Y14.04%
EPS Next 2Y13.17%
EPS Next 3Y12.31%
EPS Next 5YN/A
Revenue Next Year8.75%
Revenue Next 2Y7.76%
Revenue Next 3Y7.18%
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.
CATY Yearly Revenue VS EstimatesCATY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.03, which indicates a correct valuation of CATY.
CATY's Price/Earnings ratio is in line with the industry average.
CATY is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
CATY is valuated reasonably with a Price/Forward Earnings ratio of 9.82.
60.31% 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 22.78, CATY is valued rather cheaply.
Industry RankSector Rank
PE 12.03
Fwd PE 9.82
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

CATY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CATY is cheaper than 62.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.59
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.
A more expensive valuation may be justified as CATY's earnings are expected to grow with 12.31% in the coming years.
PEG (NY)0.86
PEG (5Y)4.6
EPS Next 2Y13.17%
EPS Next 3Y12.31%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.85%, CATY has a reasonable but not impressive dividend return.
CATY's Dividend Yield is comparable with the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, CATY pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.85%

5.2 History

The dividend of CATY has a limited annual growth rate of 2.09%.
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)2.09%
Div Incr Years0
Div Non Decr Years14
CATY Yearly Dividends per shareCATY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

32.64% 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.
DP32.64%
EPS Next 2Y13.17%
EPS Next 3Y12.31%
CATY Yearly Income VS Free CF VS DividendCATY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
CATY Dividend Payout.CATY Dividend Payout, showing the Payout Ratio.CATY Dividend Payout.PayoutRetained Earnings

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CATHAY GENERAL BANCORP

NASDAQ:CATY (8/28/2025, 8:00:02 PM)

After market: 49.8 -0.01 (-0.01%)

49.805

-0.62 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners76.47%
Inst Owner Change-0.54%
Ins Owners1.47%
Ins Owner Change7.62%
Market Cap3.44B
Analysts78.18
Price Target52.63 (5.67%)
Short Float %1.99%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
Yearly Dividend1.37
Dividend Growth(5Y)2.09%
DP32.64%
Div Incr Years0
Div Non Decr Years14
Ex-Date08-28 2025-08-28 (0.34)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.41%
Min EPS beat(2)-1.69%
Max EPS beat(2)0.87%
EPS beat(4)1
Avg EPS beat(4)-1%
Min EPS beat(4)-2.99%
Max EPS beat(4)0.87%
EPS beat(8)3
Avg EPS beat(8)-0.55%
EPS beat(12)6
Avg EPS beat(12)0.63%
EPS beat(16)9
Avg EPS beat(16)1.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.52%
Min Revenue beat(2)-1.96%
Max Revenue beat(2)-1.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.53%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)2.07%
Revenue beat(8)2
Avg Revenue beat(8)-1.85%
Revenue beat(12)3
Avg Revenue beat(12)-1.54%
Revenue beat(16)6
Avg Revenue beat(16)-0.75%
PT rev (1m)7.05%
PT rev (3m)9.79%
EPS NQ rev (1m)-0.62%
EPS NQ rev (3m)5.19%
EPS NY rev (1m)0.53%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0.41%
Revenue NQ rev (3m)2.41%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.02%
Valuation
Industry RankSector Rank
PE 12.03
Fwd PE 9.82
P/S 4.52
P/FCF 10.59
P/OCF 10.4
P/B 1.19
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)4.14
EY8.31%
EPS(NY)5.07
Fwd EY10.18%
FCF(TTM)4.7
FCFY9.44%
OCF(TTM)4.79
OCFY9.62%
SpS11.01
BVpS41.78
TBVpS36.3
PEG (NY)0.86
PEG (5Y)4.6
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 10.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.75%
GM N/A
FCFM 42.72%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.42
Debt/EBITDA N/A
Cap/Depr 37.43%
Cap/Sales 0.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.01%
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)-0.48%
EPS 3Y1.3%
EPS 5Y2.62%
EPS Q2Q%19.57%
EPS Next Y14.04%
EPS Next 2Y13.17%
EPS Next 3Y12.31%
EPS Next 5YN/A
Revenue 1Y (TTM)1.08%
Revenue growth 3Y3.8%
Revenue growth 5Y3.3%
Sales Q2Q%10.13%
Revenue Next Year8.75%
Revenue Next 2Y7.76%
Revenue Next 3Y7.18%
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-34.98%
FCF growth 3Y-0.51%
FCF growth 5Y-5.32%
OCF growth 1Y-34.04%
OCF growth 3Y-0.52%
OCF growth 5Y-5.42%