Cathay General Bancorp (CATY)
POSITIVEFundamental
69
Price
$61.87
Market Cap
$4.17B
Part 1 · What the company is worth
Overview
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. It offers savings accounts, checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and public funds deposits, and acceptance of checking, savings, demand deposits, time deposits, real estate, and consumer loans. The company also provides loan products, such as commercial real estate loans, commercial loans, small business administration loans, residential mortgage loans, real estate construction loans, and home equity lines of credit, and installment loans to individuals for household and other consumer expenditures. In addition, it offers trade financing, letter of credit, wire transfer, foreign currency spot and forward contract, safe deposit, overdraft, cash checking, automatic teller machine, Internet banking, investment, and other customary bank services, as well as investment products and services, such as stocks, bonds, mutual funds, insurance, annuities, and advisory services. The company was formerly known as Cathay Bancorp, Inc. and changed its name to Cathay General Bancorp in November 2003. Cathay General Bancorp was founded in 1962 and is headquartered in Los Angeles, California.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$871M
Trailing 12 months (through 6/30/2026)
Net Income
$347M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$364M
Total Equity
$2.93B
Total Liabilities
$21.30B
Current Ratio
-
Interest Coverage
0.56
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$55.91
Current Price
$61.87
Margin of Safety
-10.7%
Fair Value Range
$42.20 - $69.61
Estimation Methods
Valuation Metrics
P/E Ratio
12.17
ROE
10.8%
P/B Ratio
1.36
P/FCF
7.78
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.6%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- Price CAGR 5.06%
- P/FCF 7.78
- P/B Ratio 1.36
- Operating Margin 50.1%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.7%
- Revenue Growth 5Y 8.1%
- Earnings Surprise avg 9.2%
- PEG Ratio 1.29
- Earnings Quality (OCF/NI) 1.56
- Share Dilution -4.1%
- Piotroski F-Score 6/9
Failed (6)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 10% Buy
- Net Margin Trend 38.5% vs 39.2%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Dunson K. Cheng Ph.D. | Executive Chairman of the Board | 80 |
| Mr. Chang Ming Liu | CEO, President & Director | 58 |
| Ms. Diana G. Deen | Executive VP & Chief Risk Officer of Cathy Bank | 62 |
| Mr. Albert Sun | Executive VP & Chief Credit Officer at Cathay Bank | 69 |
| Mr. Albert J. Wang CPA | Executive VP, CFO & Treasurer | 50 |
| Ms. Georgia Lo | Assistant Secretary & Investor Relations | - |
| Ms. May K. Chan | Senior VP, General Counsel, Corporate Secretary & Sustainability Officer | 47 |
Audit Risk
6
Board Risk
4
Compensation Risk
2
Shareholder Rights Risk
5
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for CATY, sourced from Markets Gazette.
- 3/9/2026NEGATIVEEVP Dumps One-Third of His CATY Shares for $50,200
A key executive at Catalent Inc. has divested a significant portion of their holdings, selling one-third of their shares for approximately $50,200. This transaction follows a pattern of stake reductions by other high-ranking officials within the regional bank. While the sale amount is relatively small, the consistent insider selling can signal a lack of confidence in the company's future prospects among those with the most intimate knowledge of its operations. Investors often interpret such moves as a bearish indicator, potentially impacting the stock's short-term performance.
via Markets Gazette