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Cathay General Bancorp

CATY Financial Banks Regional

Cathay General Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, roughly unchanged from fiscal 2024.

Revenue
+9.21%
EPS
+26.6%
Free cash flow
+272.5%
Total debt
−18.9%

Quarter to September 2026, against a year earlier

64.20 1.78 −2.70%
Market cap
$4.2B
P/E
11.8×
Fwd P/E
11.5×
Dividend yield
2.31%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 6.55
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 2 — — 2 1 2 1 3 1 1 —
Insider Ownership 4.66%

Capital & Financial Ratios $m

Size
Market Cap 4,240.00
Revenue ttm 1,440.92
Net income ttm 347.26
Free cash flow ttm 534.24
Net debt Q (1,442.99)
Valuation
P/E 11.78
Forward P/E 11.50
Price / sales 2.96
Forward P/S Powerpack
Price / FCF 7.99
Price / book 1.40
Financial health
Current ratio Q 1.04
Debt / equity Q 0.09
Interest coverage Q —
Growth
Revenue growth Q +9.21% (above 0%: growing)
Operating income growth Q +30.84% (above 0%: growing)
EPS, this year +23.46% (at or above 15%: strong)
EPS, next year A +10.32%
Revenue, next year A −34.70% (below 0%: weak)
EPS, past 5 yrs +9.61%
EPS, next 5 yrs A +13.46%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 59.19%
10-year low 10-year high
P/S against its own 10 years 38.28%
10-year low 10-year high
P/B against its own 10 years 74.62%
10-year low 10-year high

Dividends

Yield
2.31%
Annual rate
1.48
Payout ratio
27.3%
Growth, 2017–25
+5.74%/yr
  1. 0.87 ’17
  2. 1.03 ’18 +18
  3. 1.24 ’19 +20
  4. 1.24 ’20 +0
  5. 1.27 ’21 +2
  6. 1.36 ’22 +7
  7. 1.36 ’23 +0
  8. 1.36 ’24 +0
  9. 1.36 ’25 +0
  10. 1.52 ’26e +12
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 829 1,040 1,424 1,708
Receivables — — — —
Inventory — — — —
Other — — — —
20,313 20,355 21,462 22,781
2023 2024 2025 Q'26
Payables 19,325 19,686 20,894 21,835
ST’ Debt — — — —
Other — — — —
19,329 19,700 20,899 21,841

Compound Annual Growth %

10y 5y 3y
Sales 11.03% 13.25% 15.10%
Cash Flow 7.63% 2.87% (7.61%)
Earnings 6.94% 6.61% (4.40%)
Book Value 5.29% 3.88% 5.74%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.44 Actual 1.43

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.20 1.33 Beat by 0.13
Q1 FY26 1.19 1.29 Beat by 0.10
Q2 FY26 1.33 1.37 Beat by 0.04
Q3 FY26 1.44 1.43 Miss by 0.01
Q4 FY26 1.50 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.29 1.37 1.43 — —
’25 0.98 1.10 1.13 1.33 4.54
’24 0.98 0.92 0.94 1.12 3.95
’23 1.32 1.28 1.13 1.13 4.86
’22 0.99 1.18 1.35 1.33 4.83
’21 0.92 0.97 0.93 0.98 3.80
’20 0.59 0.68 0.71 0.89 2.87
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 344 349 388 — —
’25 331 338 355 361 1,385
’24 339 346 360 345 1,391
’23 300 323 331 356 1,311
’22 192 204 236 276 908
’21 173 178 181 189 721
’20 193 190 182 179 743
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 98 237 — — —
’25 99 64 151 55 369
’24 88 73 81 87 329
’23 121 91 107 66 385
’22 86 91 189 101 467
’21 92 75 71 97 334
’20 95 77 61 87 320
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 96 234 — — —
’25 96 63 150 55 364
’24 87 72 80 86 326
’23 121 90 106 64 381
’22 85 90 188 101 464
’21 91 74 70 96 331
’20 94 75 60 85 314
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 532 612 720 814 743 721 908 1,311 1,391 1,385 1,441 +11.2% 904 954 994 (10.5%)
Gross margin, % 84.75 86.87 83.04 76.12 80.03 90.47 87.05 61.81 52.47 59.07 63.47 (25.7) pt
EBT 242 298 338 349 254 382 473 404 318 390 465 +5.4%
EBT margin, % 45.49 48.71 46.92 42.92 34.16 52.95 52.04 30.80 22.83 28.18 32.26 (17.3) pt
Net income 175 176 272 279 229 298 361 354 286 315 347 +6.7%
Per share, $
Per share, $ Revenue 6.73 7.63 8.87 10.18 9.34 9.21 12.22 18.06 19.30 20.01 21.67 +12.9%
Earnings 2.21 2.19 3.35 3.49 2.88 3.81 4.85 4.88 3.97 4.55 5.45 +8.4%
Cash flow 2.96 3.10 4.15 5.44 4.02 4.27 6.29 5.30 4.57 5.33 0.00 +6.7%
Capex (0.04) 0.03 (0.08) (0.09) (0.07) (0.05) (0.04) (0.05) (0.05) (0.07) 0.00 +5.4%
Free cash flow 2.92 3.13 4.07 5.35 3.95 4.22 6.25 5.25 4.52 5.26 0.00 +6.8%
Book value 23.10 24.59 26.15 28.68 30.38 31.25 33.28 37.71 39.49 42.28 45.97 +6.9%
Shares, m 79 80 81 80 80 78 74 73 72 69 67 (1.5%)
Valuation, ×
Valuation, × P/E 17.27 19.47 9.98 10.90 11.22 11.28 8.23 9.13 11.99 10.59 11.78 12.0
P/S 5.67 5.59 3.78 3.74 3.45 4.67 3.28 2.47 2.47 2.42 2.96 3.8
P/B 1.65 1.73 1.28 1.33 1.06 1.38 1.20 1.18 1.21 1.14 1.40 1.3
EV/Sales 4.36 5.74 3.97 4.02 1.93 1.49 2.69 2.36 1.86 1.48 — 3.0
EV/FCF 10.06 13.99 8.66 7.64 4.56 3.26 5.26 8.10 7.95 5.62 — 7.5
Cash, $m
Cash, $m Operating cash flow 234 249 337 435 320 334 467 385 329 369 541 +5.2%
Capex (4) 2 (7) (7) (6) (4) (3) (3) (4) (5) (7) +3.8%
Free cash flow 231 251 330 428 314 331 464 381 326 364 534 +5.2%
Balance, $m
Balance, $m Working capital 282 547 821 881 846 650 840 984 655 564 940 +8.0%
Net debt (698) 94 136 224 (1,128) (2,287) (536) (154) (843) (1,288) (1,443) +7.0%
Shareholders’ equity 1,829 1,973 2,122 2,294 2,418 2,446 2,474 2,737 2,846 2,925 3,057 +5.4%
Returns, %
Returns, % ROA 1.26 1.17 1.68 1.60 1.23 1.49 1.68 1.57 1.24 1.33 1.47 +0.1 pt
ROIC 13.39 9.14 9.40 8.67 12.31 150.82 15.37 9.78 9.91 14.89 18.00 +1.5 pt
ROE 9.79 9.26 13.28 12.64 9.71 12.26 14.66 13.59 10.25 10.92 0.00 +1.1 pt
People
People Employees 1,129 1,271 1,277 1,219 1,205 1,156 1,178 1,246 1,266 1,268 — +1.3%
Revenue/emp, $m 0.47 0.48 0.56 0.67 0.62 0.62 0.77 1.05 1.10 1.09 — +9.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Cathay General Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00% Compare
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00%
CVBF CVB Financial Corporation $4.0B 15.2× 14.0× +45.38% (above 0%: growing) +15.79% (above 0%: growing) +641.25% (above 0%: growing) 82.47% 0.00% Compare
WSFS WSFS Financial Corporation $4.0B 12.4× 11.7× +2.90% (above 0%: growing) +27.74% (above 0%: growing) +35.81% (above 0%: growing) 81.03% 0.00% Compare
Median of peers $4.3B 14.2× 13.7× +2.86% +21.77% +32.40% 71.85% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.15m 5.40m 176.69
2024 3.69m 3.53m 168.85
2023 3.54m 4.17m 153.03
2022 3.62m 4.76m 134.84
2021 3.00m 4.94m 137.74
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Cathay General Bancorp (CATY) Latest News

28 Oct

Impact 4 · · The Motley Fool
Impact 3 · · StockStory

23 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Moby earnings
Impact 3 · · StockStory
Impact 3 · · StockStory

21 Oct

Impact 4 · · Business Wire earnings
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory

20 Oct

Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks

12 Oct

Impact 3 · · Zacks

9 Oct

Impact 3 · · Simply Wall St.

8 Oct

Impact 3 · · StockStory

28 Sep

Impact 3 · · Zacks

9 Sep

Impact 3 ·

4 Sep

Impact 3 ·

23 Jul

Impact 3 · · Moby transcript
Impact 3 ·

22 Jul

Impact 3 · · MarketBeat
Impact 3 ·
Impact 3 ·
Impact 3 ·

1 May

Impact 4 · · Investor's Business Daily

CATY metrics, ten years each

stockrow.com/CATY · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com