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Cathay General Bancorp CATY
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 41.35
-0.0777 %
$ 2.89 B
Market Cap
9.77
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CATY stock under the worst case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cathay General Bancorp is HIDDEN

CATY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CATY stock under the base case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cathay General Bancorp is HIDDEN

CATY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CATY stock under the best case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cathay General Bancorp is HIDDEN

CATY Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CATY

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1M -4%
6M -10%
1Y 17%
3Y 9%
5Y 91%
All
$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
730 M REVENUE
-6.93%
Growth Rates
1Year -6.93%
3Years 3.81%
5Years 3.32%
7Years 4.78%
10Years 6.65%
23.7 M OPERATING INCOME
-95.59%
Growth Rates
1Year -95.59%
3Years -60.41%
5Years -41.62%
7Years 3.07%
10Years 0.54%
286 M NET INCOME
-19.24%
Growth Rates
1Year -19.24%
3Years -1.40%
5Years 0.49%
7Years 7.18%
10Years 7.57%
209 M OPERATING CASH FLOW
-45.58%
Growth Rates
1Year -45.58%
3Years -14.44%
5Years -13.60%
7Years -2.44%
10Years 3.39%
184 M INVESTING CASH FLOW
112.46%
Growth Rates
1Year 112.46%
3Years 30.33%
5Years 16.36%
7Years 15.96%
10Years 9.15%
-183 M FINANCING CASH FLOW
-24.18%
Growth Rates
1Year -24.18%
3Years -3.79%
5Years -3.63%
7Years -68.76%
10Years -4.49%
186 M REVENUE
-1.60%
Growth Rates
1Year -6.93%
3Years 3.81%
5Years 3.32%
7Years 4.78%
10Years 6.65%
-250 M OPERATING INCOME
-319.62%
Growth Rates
1Year -95.59%
3Years -60.41%
5Years -41.62%
7Years 3.07%
10Years 0.54%
80.2 M NET INCOME
18.79%
Growth Rates
1Year -19.24%
3Years -1.40%
5Years 0.49%
7Years 7.18%
10Years 7.57%
86.8 M OPERATING CASH FLOW
6.86%
Growth Rates
1Year -45.58%
3Years -14.44%
5Years -13.60%
7Years -2.44%
10Years 3.39%
-80.9 M INVESTING CASH FLOW
-55.62%
Growth Rates
1Year 112.46%
3Years 30.33%
5Years 16.36%
7Years 15.96%
10Years 9.15%
-305 M FINANCING CASH FLOW
-4327.87%
Growth Rates
1Year -24.18%
3Years -3.79%
5Years -3.63%
7Years -68.76%
10Years -4.49%
Balance Sheet Cathay General Bancorp
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Current Assets 1.8 B
Cash & Short-Term Investments 1.7 B
Receivables 97.8 M
Other Current Assets 0
Non-Current Assets 545 M
Long-Term Investments 17.7 M
PP&E 117 M
Other Non-Current Assets 410 M
72.62 %4.17 %5.00 %17.46 %Total Assets$2.3b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 119 M
Long-Term Debt 119 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$119.1m
EFFICIENCY
Earnings Waterfall Cathay General Bancorp
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Revenue 730 M
Cost Of Revenue -605 M
Gross Profit 1.33 B
Operating Expenses 730 M
Operating Income 23.7 M
Other Expenses -262 M
Net Income 286 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m00730m605m1b(730m)24m262m286mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
182.94% GROSS MARGIN
182.94%
Averages
1Year 182.94%
3Years 127.65%
5Years 116.59%
7Years 111.86%
10Years 108.30%
3.25% OPERATING MARGIN
3.25%
Averages
1Year 3.25%
3Years 48.80%
5Years 49.52%
7Years 54.43%
10Years 39.48%
39.19% NET MARGIN
39.19%
Averages
1Year 39.19%
3Years 43.33%
5Years 42.83%
7Years 43.55%
10Years 41.61%
10.05% ROE
10.05%
Averages
1Year 10.05%
3Years 12.52%
5Years 11.85%
7Years 12.03%
10Years 11.20%
1.24% ROA
1.24%
Averages
1Year 1.24%
3Years 1.47%
5Years 1.41%
7Years 1.46%
10Years 1.38%
0.91% ROIC
0.91%
Averages
1Year 0.91%
3Years -0.23%
5Years -3.20%
7Years -1.14%
10Years -0.76%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cathay General Bancorp
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500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 286 M
Depreciation & Amortization 16.8 M
Capital Expenditures 0
Stock-Based Compensation 850 K
Change in Working Capital 0
Others -120 M
Free Cash Flow 209 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Cathay General Bancorp
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Wall Street analysts predict an average 1-year price target for CATY of $52.6 , with forecasts ranging from a low of $43 to a high of $60 .
CATY Lowest Price Target Wall Street Target
43 USD 3.99%
CATY Average Price Target Wall Street Target
52.6 USD 27.21%
CATY Highest Price Target Wall Street Target
60 USD 45.10%
Price
Max Price Target
Min Price Target
Average Price Target
6060555550504545404035353030Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.71% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.10.180.210.240.310.310.310.340.340.340.340.140.180.210.240.310.310.310.340.340.340.140.180.210.240.310.310.310.340.340.340.180.560.210.750.240.870.311.030.311.240.311.240.341.270.341.360.341.360.341.360.342015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Cathay General Bancorp
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Sold
0-3 MONTHS
112 K USD 1
3-6 MONTHS
3.51 M USD 3
6-9 MONTHS
555 K USD 1
9-12 MONTHS
1.52 M USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Cathay General Bancorp (CATY) Q1 2025 Earnings Conference Call Transcript Cathay General Bancorp (NASDAQ:CATY ) Q1 2025 Earnings Conference Call April 21, 2025 6:00 PM ET Company Participants Georgia Lo - IR Chang Liu - President and CEO Heng Chen - EVP, CFO and Treasurer Conference Call Participants Andrew Leischner - KBW Gary Tenner - D.A. Davidson Andrew Terrell - Stevens Adam Butler - Piper Sandler Operator Good afternoon, ladies and gentlemen, and welcome to the Cathay General Bancorp's First Quarter 2025 Earnings Conference Call. seekingalpha.com - 1 week ago
Cathay General Bancorp Announces First Quarter 2025 Results LOS ANGELES--(BUSINESS WIRE)--Cathay General Bancorp (the “Company”, “we”, “us”, or “our”) (Nasdaq: CATY), the holding company for Cathay Bank, today announced its unaudited financial results for the quarter ended March 31, 2025. The Company reported net income of $69.5 million, or $0.98 per diluted share, for the first quarter of 2025. FINANCIAL PERFORMANCE Three months ended (unaudited) March 31, 2025   December 31, 2024   March 31, 2024 Net income $69.5 million $ 80.2 million $71.4 million B. businesswire.com - 1 week ago
Cathay Bank Unveils Plans for the 48th Annual Charity Golf Tournament LOS ANGELES--(BUSINESS WIRE)-- #CathayBank--Cathay Bank is excited to announce the upcoming 48th Annual Charity Golf Tournament scheduled for May 28, 2025. The prestigious event will once again unfold at the Industry Hills Golf Club at Pacific Palms Resort in the City of Industry, California. This annual charity golf tournament has become a cornerstone in the community, bringing together golf enthusiasts to raise funds for local nonprofit organizations. The tournament will feature an engaging 18-hole, four-p. businesswire.com - 3 weeks ago
Cathay General Bancorp to Announce First Quarter 2025 Financial Results LOS ANGELES--(BUSINESS WIRE)--Cathay General Bancorp (Nasdaq: CATY), the holding company for Cathay Bank, is scheduled to announce its first quarter 2025 financial results after the markets close on Monday, April 21, 2025. Cathay General Bancorp has scheduled a conference call as set forth below. Analysts and investors may participate in the question-and-answer session. Conference Call and Webcast Information: Date: Monday, April 21, 2025 Time: 3:00 p.m. Pacific Time (6:00 p.m. Eastern Time) Du. businesswire.com - 4 weeks ago
Best Value Stocks to Buy for February 18th PFIS, CATY and RICK made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 31, 2024. zacks.com - 2 months ago
Cathay General Bancorp Declares $0.34 Per Share Dividend LOS ANGELES--(BUSINESS WIRE)--Cathay General Bancorp (Nasdaq: CATY) announced that its Board of Directors declared a cash dividend of thirty-four cents per common share, payable on March 10, 2025, to stockholders of record at the close of business on February 27, 2025. ABOUT CATHAY GENERAL BANCORP Cathay General Bancorp (Nasdaq: CATY) is the holding company for Cathay Bank, a California state-chartered bank. Cathay General Bancorp's website is at www.cathaygeneralbancorp.com. Founded in 1962, C. businesswire.com - 2 months ago
Cathay General Bancorp: Reducing The EPS Estimate, But Maintaining A Hold Rating Cathay General Bancorp's net interest margin will benefit from the rollover of Chinese New Year promotional deposits, deposit mix improvement, and interest rate cuts. I'm reducing my loan growth estimate to 3.5%. Unemployment rates in CATY's markets have improved, but they're still quite high based on peer comparison. Unlike the last couple of years, CATY is not planning to invest in any solar tax credit investment funds in 2025. Therefore, the bottom line will take a hit. seekingalpha.com - 3 months ago
Cathay General Bancorp (CATY) Q4 2024 Earnings Call Transcript Cathay General Bancorp (NASDAQ:CATY ) Q4 2024 Earnings Conference Call January 22, 2025 6:00 PM ET Company Participants Georgia Lo - Investor Relations Chang Liu - President and Chief Executive Officer Heng Chen - Executive Vice President, Chief Financial Officer and Treasurer Conference Call Participants Matthew Clark - Piper Sandler Christopher McGratty - KBW Gary Tenner - D.A. Davidson Operator Good afternoon, ladies and gentlemen, and welcome to Cathay General Bancorp's Fourth Quarter and Full-Year 2024 Earnings Conference Call. seekingalpha.com - 3 months ago
Compared to Estimates, Cathay (CATY) Q4 Earnings: A Look at Key Metrics Although the revenue and EPS for Cathay (CATY) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
Cathay General (CATY) Tops Q4 Earnings and Revenue Estimates Cathay General (CATY) came out with quarterly earnings of $1.12 per share, beating the Zacks Consensus Estimate of $1.11 per share. This compares to earnings of $1.25 per share a year ago. zacks.com - 3 months ago
Cathay General Bancorp Announces Fourth Quarter and Full Year 2024 Results LOS ANGELES--(BUSINESS WIRE)--Cathay General Bancorp (the “Company,” “we,” “us,” or “our”) (Nasdaq: CATY), the holding company for Cathay Bank, today announced its unaudited financial results for the quarter and year ended December 31, 2024. The Company reported net income of $286.0 million, or $3.95 per diluted share, for the year ended December 31, 2024 and net income of $80.2 million, or $1.12 per diluted share, for the fourth quarter of 2024. FINANCIAL PERFORMANCE Three months ended Year en. businesswire.com - 3 months ago
Cathay General Bancorp Announces Retirement of Chief Risk Officer of Cathay Bank and Appointment of Successor LOS ANGELES--(BUSINESS WIRE)--Cathay General Bancorp (Nasdaq: CATY), the holding company for Cathay Bank, announced that Mr. Kim R. Bingham will retire as Chief Risk Officer of Cathay Bank, effective January 21, 2025. Mr. Bingham will continue to serve Cathay Bank as Executive Vice President, Special Advisor to the Office of the President for a transition period that is anticipated to end on or about March 31, 2025, but will no longer be a designated executive officer of Cathay Bank. Succeeding. businesswire.com - 3 months ago
8. Profile Summary

Cathay General Bancorp CATY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.89 B
Dividend Yield 0.71%
Description Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United States. The company offers various deposit products, including passbook accounts, checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and public funds deposits. It also provides loan products, such as commercial mortgage loans, commercial loans, small business administration loans, residential mortgage loans, real estate construction loans, and home equity lines of credit, as well as installment loans to individuals for household, and other consumer expenditures. In addition, the company offers trade financing, letter of credit, wire transfer, forward currency spot and forward contract, traveler's check, safe deposit, night deposit, social security payment deposit, collection, bank-by-mail, drive-up and walk-up window, automatic teller machine, Internet banking, investment, and other customary bank services, as well as securities and insurance products. As of March 1, 2022, it operated 31 branches in Southern California, 16 branches in Northern California, 10 branches in New York, four branches in Washington, two branches in Illinois, and two branches in Texas, as well as one branch each in Maryland, Massachusetts, Nevada, and New Jersey, and Hong Kong; and a representative office each in Beijing, Taipei, and Shanghai. The company was founded in 1962 and is headquartered in Los Angeles, California.
Contact 777 North Broadway, Los Angeles, CA, 90012 https://www.cathaygeneralbancorp.com
IPO Date Dec. 14, 1990
Employees 1266
Officers Ms. Georgia Lo Assistant Secretary & Investor Relations Mr. Chang Ming Liu Chief Executive Officer, President & Director Mr. Dunson K. Cheng Executive Chairman of the Board Mr. Heng W. Chen Executive Vice President, Chief Financial Officer & Treasurer Ms. May K. Chan Senior Vice President, General Counsel, Secretary & Sustainability Officer