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Cathay General Bancorp (CATY) vs United Community Banks, Inc. (UCB)

Cathay General Bancorp and United Community Banks, Inc. are both Banks Regional companies. Cathay General Bancorp and United Community Banks, Inc. are of similar size ($4.1B and $4.0B). United Community Banks, Inc. trades at the lower P/E: 11.1× against 11.6×. United Community Banks, Inc. grew revenue faster over the last twelve months: 3.25% against 2.47%. Cathay General Bancorp has the higher net margin (24.7% vs 24.0%) and the higher return on invested capital (14.8% vs 7.68%). Both pay a dividend; United Community Banks, Inc. yields more (2.96% vs 2.47%). Across the 19 metrics below, United Community Banks, Inc. leads on 10 and Cathay General Bancorp on 9.

Valuation

Metric CATY UCB Banks Regional median
P/E 11.64 11.14 11.98
P/S 2.85 2.66 2.34
P/B 1.32 1.10 1.19
Price to free cash flow 7.52 11.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.59% 8.98% 8.23%
Free cash flow yield 13.30% 8.81% 9.08%

Profitability

Metric CATY UCB Banks Regional median
Gross margin 61.82% 71.94% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.66% 24.00% 18.66%
Free cash flow margin 37.94% 23.39% 21.11%
Return on equity 11.71% 10.20% 10.65%
Return on assets 1.44% 1.30% 1.13%
Return on invested capital 14.82% 7.68% 8.35%

Growth

Metric CATY UCB Banks Regional median
Revenue growth (TTM) 2.47% 3.25% 6.98%
EPS growth (last fiscal year) 14.94% 28.43% 18.88%
Revenue growth, 5-year CAGR 13.25% 16.57% 12.38%
Net income growth, 5-year CAGR 6.61% 14.84% 9.71%

Health

Metric CATY UCB Banks Regional median
Debt to equity 0.04 0.22 0.22
Current ratio 1.04 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CATY UCB Banks Regional median
Dividend yield 2.47% 2.96% 2.57%
Payout ratio 0.29 0.33 0.30

Size

Metric CATY UCB Banks Regional median
Market cap 4.01b 4.11b 913.33m

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