Cathay General Bancorp CATY R2K

Financial Services · Banks - Regional · United States

https://www.cathaygeneralbancorp.com

Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United States. It offers savings accounts, checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and public funds deposits, and acceptance of checking, savings, demand deposits, time deposits, real estate, and consumer loans. The company also provides loan products, such as commercial real estate loans, commercial loans, small business administration loans, residential mortgage loans, real estate construction loans, and home equity lines of credit, and installment loans to individuals for household and other consumer expenditures. In addition, it offers trade financing, letter of credit, wire transfer, foreign currency spot and forward contract, safe deposit, overdraft, cash checking, automatic teller machine, Internet banking, investment, and other customary bank services, as well as investment products and services, such as stocks, bonds, mutual funds, insurance, annuities, and advisory services. The company was formerly known as Cathay Bancorp, Inc. and changed its name to Cathay General Bancorp in November 2003. Cathay General Bancorp was founded in 1962 and is headquartered in Los Angeles, California.

Market & Price

Market Cap

$3.87B

Current Price

$57.66

High / Low (52W)

$57.73 / $41.02

Beta

0.86

Valuation

Stock P/E

11.89

Industry PE

12.01

Forward P/E

9.78

PEG Ratio

1.33

Book Value

$44.59

Price to Book

1.29

P/S

5.02

EV/EBITDA

Dividend Yield

2.50%

Profitability & Returns

ROCE

ROE

11.36%

ROA

1.41%

Profit Margin

43.21%

Op Margin

61.51%

EPS (Latest Qtr)

$1.29

EPS (TTM)

$4.85

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$176.76M

Total Assets

$24.23B

Current Assets

Working Capital

Ownership

Promoter Holding

4.61%

Chg in Prom Hold

FII / Inst Holding

75.06%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.82B

Total Revenue (TTM)

$769.55M

EBITDA

Free Cash Flow

Operating Cash Flow

$367.96M

Shares Outstanding

67.04M

Gross Margin

0.00%

Payout Ratio

28.87%

Growth (CAGR)

Revenue 5Y

1.14%

Profit 5Y

-4.40%

Revenue (YoY)

14.10%

Earnings (YoY)

31.60%

PROS

Excellent profit margin of 43.2%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -4.4% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CATY Cathay General Bancorp R2K	57.66	11.89	$3.87B	2.50%	-	11.36%	1.14%	-4.40%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	6.66M	6.00M	6.50M	-	6.87M	7.01M	6.93M	-	7.11M	8.09M	7.59M	-	8.56M	7.07M	8.32M	-	9.16M	9.97M	9.44M	10.83M	10.51M	11.03M	9.96M	10.57M	11.79M	11.93M	12.87M	13.83M	187.84M	196.61M	210.61M	222.83M	214.83M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	142.76M	141.70M	144.61M	137.74M	128.74M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	86.69M	96.28M	93.76M	113.47M	109.95M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.18M	18.83M	16.11M	22.96M	23.07M
Net Income	45.20M	38.48M	41.45M	46.16M	34.83M	46.09M	48.02M	48.94M	51.41M	49.75M	25.94M	63.82M	73.66M	69.76M	64.65M	66.68M	72.24M	72.83M	67.38M	46.85M	54.32M	56.79M	70.89M	73.38M	77.20M	72.40M	75.03M	88.98M	99.03M	96.01M	93.22M	82.37M	71.44M	66.83M	67.51M	69.51M	77.45M	77.65M	90.52M	86.89M
Diluted EPS	0.56	0.47	0.51	0.57	0.44	0.58	0.60	0.61	0.64	0.61	0.32	0.78	0.90	0.85	0.80	0.83	0.90	0.91	0.84	0.59	0.68	0.71	0.89	0.92	0.97	0.93	0.99	1.18	1.33	1.32	1.28	1.13	0.98	0.92	0.94	0.98	1.10	1.13	1.33	1.29

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	25.49M	25.65M	27.98M	31.48M	32.24M	-	790.51M	810.04M	729.72M	817.89M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	117.58M	500.48M	660.92M	566.80M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	472.54M	403.58M	317.54M	390.20M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	111.89M	49.46M	31.56M	75.07M
Net Income	-67.39M	11.56M	100.15M	117.44M	123.14M	137.83M	161.11M	175.10M	176.04M	271.88M	279.13M	228.86M	-	360.64M	354.12M	285.98M	315.12M
Diluted EPS	-1.59	-0.06	1.06	1.28	1.43	1.72	1.98	2.19	2.17	3.33	3.48	2.87	-	4.83	4.86	3.95	4.54

Compounded Sales Growth

5 Years:	1.14%
1 Year:	14.10%

Compounded Profit Growth

5 Years:	-4.40%
1 Year:	31.60%

Stock Price Performance

1 Year:	+38.31%
6 Months:	+19.55%
3 Months:	+16.77%
1 Month:	+5.92%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	10.80B	10.64B	10.69B	10.99B	11.52B	13.25B	14.52B	15.64B	16.78B	18.09B	19.04B	-	21.95B	23.08B	23.05B	24.23B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	84.82M	100.12M	87.35M	117.89M	144.91M	153.75M	176.83M	717.01M	1.19B	534.80M	600.29M	-	-	-	195.44M	173.99M	157.17M	146.32M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	82.43M	97.67M	97.78M	96.99M
Total Liabilities	-	-	9.37B	9.13B	9.06B	9.53B	9.91B	11.51B	12.69B	13.67B	14.66B	15.80B	16.62B	-	19.47B	20.34B	20.21B	21.30B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	171.14M	171.14M	171.14M	121.14M	119.14M	119.14M	119.14M	194.14M	189.45M	119.14M	119.14M	-	626.74M	674.92M	196.88M	136.72M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	659.25M	709.72M	227.73M	172.82M
Total Equity	-	-	1.43B	1.51B	1.62B	1.46B	1.60B	1.75B	1.83B	1.97B	2.12B	2.29B	2.42B	-	2.47B	2.74B	2.85B	2.93B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	91.09M	91.39M	91.62M	91.80M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	146.41M	168.50M	174.05M	164.58M	115.07M	150.07M	176.70M	234.40M	248.87M	336.54M	434.98M	319.95M	-	467.36M	384.74M	329.15M	368.57M
Investing Cash Flow	-279.58M	596.60M	127.05M	-46.54M	-311.81M	-459.36M	-1.18B	-853.49M	-903.99M	-1.13B	-1.38B	-242.20M	-	-1.85B	-1.48B	184.03M	-857.32M
Financing Cash Flow	148.48M	-777.88M	-270.56M	-91.02M	205.57M	332.37M	1.00B	1.09B	4.83M	863.28M	940.18M	749.55M	-	94.74M	758.74M	-302.47M	873.64M
Capital Expenditure	-12.22M	-4.98M	-2.89M	-3.11M	-6.18M	-4.78M	-3.52M	-3.52M	-3.19M	-6.67M	-7.13M	-5.78M	-	-3.39M	-3.40M	-3.64M	-4.91M
Free Cash Flow	134.19M	163.53M	171.16M	161.47M	108.89M	145.29M	173.18M	230.88M	245.69M	329.87M	427.85M	314.18M	-	463.97M	381.34M	325.52M	363.66M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.29B	-333.60M	210.72M	384.89M
Share Buybacks	-	-	-	-	-	-	59.41M	54.44M	0	42.65M	36.30M	23.59M	167.10M	141.32M	16.67M	84.70M	180.29M
Dividends Paid	-	-	16.05M	16.05M	12.61M	23.10M	45.28M	59.27M	69.89M	83.43M	99.13M	98.69M	99.32M	100.95M	98.64M	97.97M	93.80M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	687.0%	686.4%	971.5%	886.7%	710.0%	-	45.6%	43.7%	39.2%	38.5%
ROE %	-	0.8%	6.6%	7.2%	8.4%	8.6%	9.2%	9.6%	8.9%	12.8%	12.2%	9.5%	-	14.6%	12.9%	10.0%	10.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.61%

Institutions

75.06%

Public Float

78.70%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.54%	9.75M	$561.93M
2	Vanguard Portfolio Management LLC	6.07%	4.07M	$234.75M
3	Dimensional Fund Advisors LP	6.04%	4.05M	$233.52M
4	State Street Corporation	5.16%	3.46M	$199.38M
5	Vanguard Capital Management LLC	4.32%	2.90M	$167.07M
6	Geode Capital Management, LLC	2.60%	1.74M	$100.31M
7	Invesco Ltd.	2.52%	1.69M	$97.30M
8	American Century Companies Inc	2.40%	1.61M	$92.65M
9	T. Rowe Price Investment Management, Inc.	1.63%	1.10M	$63.16M
10	Massachusetts Financial Services Co.	1.37%	915.08K	$52.76M

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CATY · Financial Services