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Cathay General Bancorp (CATY) vs First BanCorp. (FBP)

Cathay General Bancorp and First BanCorp. are both Banks Regional companies. Cathay General Bancorp and First BanCorp. are of similar size ($4.2B and $4.0B). First BanCorp. trades at the lower P/E: 11.4× against 11.6×. First BanCorp. grew revenue faster over the last twelve months: 2.66% against 2.47%. First BanCorp. has the higher net margin (29.2% vs 24.7%) and the higher return on invested capital (17.3% vs 14.8%). Both pay a dividend; First BanCorp. yields more (2.85% vs 2.47%). Across the 19 metrics below, First BanCorp. leads on 11 and Cathay General Bancorp on 8.

Valuation

Metric CATY FBP Banks Regional median
P/E 11.64 11.44 11.98
P/S 2.85 3.29 2.34
P/B 1.32 2.12 1.19
Price to free cash flow 7.52 9.50 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.59% 8.74% 8.23%
Free cash flow yield 13.30% 10.53% 9.08%

Profitability

Metric CATY FBP Banks Regional median
Gross margin 61.82% 80.79% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.66% 29.24% 18.66%
Free cash flow margin 37.94% 34.68% 21.11%
Return on equity 11.71% 19.49% 10.65%
Return on assets 1.44% 1.95% 1.13%
Return on invested capital 14.82% 17.33% 8.35%

Growth

Metric CATY FBP Banks Regional median
Revenue growth (TTM) 2.47% 2.66% 6.98%
EPS growth (last fiscal year) 14.94% 18.78% 18.88%
Revenue growth, 5-year CAGR 13.25% 9.31% 12.38%
Net income growth, 5-year CAGR 6.61% 28.20% 9.71%

Health

Metric CATY FBP Banks Regional median
Debt to equity 0.04 0.10 0.22
Current ratio 1.04 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CATY FBP Banks Regional median
Dividend yield 2.47% 2.85% 2.57%
Payout ratio 0.29 0.33 0.30

Size

Metric CATY FBP Banks Regional median
Market cap 4.01b 4.15b 913.33m

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