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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. In the quarter to June 2026, revenue grew 3.12%, EPS grew 24.3%, free cash flow grew 272.5% and total debt fell 78.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

59.96 0.19 −0.32%
Market cap
$4.0B
P/E
11.6×
Fwd P/E
10.6×
Dividend yield
2.47%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 8.02
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 2 1 2 — — 2 1 2 1 3 1 —
Insider Ownership 4.48%

Capital & Financial Ratios $m

Market Cap 4,010.00
Revenue 1,408.21
Net Income 347.26
Free Cash Flow 534.24
Net Debt (1,207.96)
Current Ratio 1.04
Debt/Equity 0.04
P/E ratio 11.64
Fwd P/E 10.60
P/S ratio 2.85
P/B ratio 1.32
Past 5Y EPS Growth 9.61%
This Y EPS Growth 22.65% (at or above 15%: strong)
Next Y EPS Growth 6.82%
Next Y revenue growth (35.57%) (below 0%: weak)
Next 5Y EPS Growth 11.89%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 57.02%
10-year low 10-year high
P/S against its own 10 years 36.31%
10-year low 10-year high
P/B against its own 10 years 58.57%
10-year low 10-year high

Dividends

Payout Ratio 0.29
Annual Dividend Rate 1.48
Annual Dividend Yield 2.47%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.52
0.38
0.38
0.38
2025 1.36
0.34
0.34
0.34
0.34
2024 1.36
0.34
0.34
0.34
0.34
2023 1.36
0.34
0.34
0.34
0.34
2022 1.36
0.34
0.34
0.34
0.34
2021 1.27
0.31
0.31
0.31
0.34
2020 1.24
0.31
0.31
0.31
0.31
2019 1.24
0.31
0.31
0.31
0.31
2018 1.03
0.24
0.24
0.24
0.31
2017 0.87
0.21
0.21
0.21
0.24
2016 0.75
0.18
0.18
0.18
0.21
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 829 1,040 1,424 1,327
Receivables — — — —
Inventory — — — —
Other — — — —
20,313 20,355 21,462 21,821
2023 2024 2025 Q'26
Payables 19,325 19,686 20,894 21,062
ST’ Debt — — — —
Other — — — —
19,329 19,700 20,899 21,073

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%

Revenue $m

Mar Jun Sep Dec Year
’26 344 349 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.29 1.37 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 25.62 34.00 31.94 31.89 17.58 31.23 37.37 27.24 33.88 36.06

Analyst estimates 2026–2028

Powerpack
High 38.73 45.54 45.59 40.06 38.38 46.43 48.88 45.72 55.29 51.95
People
People Employees 1,129 1,271 1,277 1,219 1,205 1,156 1,178 1,246 1,266 1,268
Revenue/emp, $m 0.47 0.48 0.56 0.67 0.62 0.62 0.77 1.05 1.10 1.09
Income, $m
Income, $m Revenue 532 612 720 814 743 721 908 1,311 1,391 1,385
Gross margin, % 84.75 86.87 83.04 76.12 80.03 90.47 87.05 61.81 52.47 59.07
EBT 242 298 338 349 254 382 473 404 318 390
EBT margin, % 45.49 48.71 46.92 42.92 34.16 52.95 52.04 30.80 22.83 28.18
Net income 175 176 272 279 229 298 361 354 286 315
Depreciation 43 15 51 59 83 69 64 93 64 33
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
Earnings 2.21 2.19 3.35 3.49 2.88 3.81 4.85 4.88 3.97 4.55
Cash flow 2.96 3.10 4.15 5.44 4.02 4.27 6.29 5.30 4.57 5.33
Capex (0.04) 0.03 (0.08) (0.09) (0.07) (0.05) (0.04) (0.05) (0.05) (0.07)
Free cash flow 2.92 3.13 4.07 5.35 3.95 4.22 6.25 5.25 4.52 5.26
Book value 23.10 24.59 26.15 28.68 30.38 31.25 33.28 37.71 39.49 42.28
Shares, m 79 80 81 80 80 78 74 73 72 69
Valuation, ×
Valuation, × P/E 17.27 19.47 9.98 10.90 11.22 11.28 8.23 9.13 11.99 10.59
P/S 5.67 5.59 3.78 3.74 3.45 4.67 3.28 2.47 2.47 2.42
P/B 1.65 1.73 1.28 1.33 1.06 1.38 1.20 1.18 1.21 1.14
EV/Sales 4.36 5.74 3.97 4.02 1.93 1.49 2.69 2.36 1.86 1.48
EV/FCF 10.06 13.99 8.66 7.64 4.56 3.26 5.26 8.10 7.95 5.62
Cash, $m
Cash, $m Operating cash flow 234 249 337 435 320 334 467 385 329 369
Capex (4) 2 (7) (7) (6) (4) (3) (3) (4) (5)
Free cash flow 231 251 330 428 314 331 464 381 326 364
Balance, $m
Balance, $m Working capital 282 547 821 881 846 650 840 984 655 564
Total debt 487 642 737 818 293 162 627 675 197 137
Net debt (698) 94 136 224 (1,128) (2,287) (536) (154) (843) (1,288)
Shareholders’ equity 1,829 1,973 2,122 2,294 2,418 2,446 2,474 2,737 2,846 2,925
Returns, %
Returns, % ROA 1.26 1.17 1.68 1.60 1.23 1.49 1.68 1.57 1.24 1.33
ROIC 13.39 9.14 9.40 8.67 12.31 150.82 15.37 9.78 9.91 14.89
ROE 9.79 9.26 13.28 12.64 9.71 12.26 14.66 13.59 10.25 10.92
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FULT Fulton Financial Corporation $4.3B 10.7× 11.1× +7.53% (above 0%: growing) −1.89% (below 0%: shrinking) +6.85% (above 0%: growing) 71.64% 0.00% Compare
IBOC International Bancshares Corporation $4.2B 10.1× 11.2× +0.96% (above 0%: growing) −4.35% (below 0%: shrinking) −3.33% (below 0%: shrinking) 81.33% 0.00% Compare
FBP First BanCorp. $4.2B 11.4× 10.8× +4.63% (above 0%: growing) +26.00% (above 0%: growing) −5.21% (below 0%: shrinking) 81.89% 0.00% Compare
UCB United Community Banks, Inc. $4.1B 11.1× 11.3× +0.18% (above 0%: growing) +50.79% (above 0%: growing) +43.32% (above 0%: growing) 72.97% 0.00% Compare
BMA Macro Bank Inc. $4.1B 14.0× 15.4× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00% Compare
CATY Cathay General Bancorp $4.0B 11.6× 10.6× +3.12% (above 0%: growing) +24.32% (above 0%: growing) +272.48% (above 0%: growing) 63.72% 0.00%
TCBI Texas Capital Bancshares, Inc. $3.9B 11.7× 13.4× +4.34% (above 0%: growing) +16.35% (above 0%: growing) +62.74% (above 0%: growing) 65.14% 0.00% Compare
WSFS WSFS Financial Corporation $3.9B 12.8× 11.6× +1.64% (above 0%: growing) +28.35% (above 0%: growing) −141.58% (below 0%: shrinking) 81.45% 0.00% Compare
CVBF CVB Financial Corporation $3.8B 15.1× 14.9× +37.86% (above 0%: growing) −19.44% (below 0%: shrinking) +641.25% (above 0%: growing) 81.88% 0.00% Compare
Median of peers $4.1B 11.6× 11.5× +4.38% +16.90% +25.09% 79.20% 0.00%

All 323 Banks Regional stocks →

Cathay General Bancorp (CATY) key facts

  • Strength: Net income was $315.1 million, or $4.55 per share (basic), a net margin of 22.8%.
  • Cathay General Bancorp (CATY) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Cathay General Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, roughly unchanged from fiscal 2024.
  • As of October 16, 2026, CATY traded at $59.96, a market capitalization of $4.0 billion.
  • At that price the stock trades at 11.6× trailing-twelve-month earnings and 2.9× sales; its P/E is higher than 57% of its own readings over the past ten years.
  • Cathay General Bancorp pays an annual dividend of $1.48 per share, a yield of 2.47%, with a payout ratio of 28.9%.
  • Return on equity was 10.9% and debt-to-equity 0.04.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Cathay General Bancorp (CATY) Latest News

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stockrow.com/CATY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com