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Cathay General Bancorp (CATY) vs TFS Financial Corporation (TFSL)

Cathay General Bancorp and TFS Financial Corporation are both Banks Regional companies. Cathay General Bancorp and TFS Financial Corporation are of similar size ($4.6B and $4.2B). Cathay General Bancorp trades at the lower P/E: 11.8× against 45.8×. TFS Financial Corporation grew revenue faster over the last twelve months: 5.93% against 5.21%. Cathay General Bancorp has the higher net margin (25.3% vs 12.2%) and the higher return on invested capital (18.0% vs 1.12%). Both pay a dividend; TFS Financial Corporation yields more (7.07% vs 2.31%). Across the 19 metrics below, Cathay General Bancorp leads on 14 and TFS Financial Corporation on 5.

Valuation

Metric CATY TFSL Banks Regional median
P/E 11.78 45.75 12.02
P/S 2.96 5.56 2.36
P/B 1.40 2.35 1.23
Price to free cash flow 7.99 53.23 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.49% 2.19% 8.21%
Free cash flow yield 12.51% 1.88% 9.23%

Profitability

Metric CATY TFSL Banks Regional median
Gross margin 63.47% 41.62% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.32% 12.17% 18.82%
Free cash flow margin 0.00% 10.45% 17.97%
Return on equity 0.00% 5.23% 10.28%
Return on assets 1.47% 0.57% 1.13%
Return on invested capital 18.00% 1.12% 8.45%

Growth

Metric CATY TFSL Banks Regional median
Revenue growth (TTM) 5.21% 5.93% 6.37%
EPS growth (last fiscal year) 14.94% 14.29% 18.85%
Revenue growth, 5-year CAGR 13.25% 9.26% 12.65%
Net income growth, 5-year CAGR 6.61% 1.83% 9.81%

Health

Metric CATY TFSL Banks Regional median
Debt to equity 0.09 2.97 0.17
Current ratio 1.04 1.67 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CATY TFSL Banks Regional median
Dividend yield 2.31% 7.07% 2.49%
Payout ratio 0.27 3.24 0.29

Size

Metric CATY TFSL Banks Regional median
Market cap 4.24b 4.61b 934.85m

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