Stocks · Financial Services · Banks - Regional
Cathay General Bancorp CATY
$60.84 +1.26% Close, Oct 2, 2026 · NASDAQ · Market cap $4.08B
High quality
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 33.2% from 25.3% a year earlier.
- The stock is in an uptrend: above its 200-day average for 135 trading days, with the 50-day average above the 200-day.
- The shares trade at 11.9× trailing earnings, higher than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth60Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Top 26%
- Revenue growth, 3-year CAGRTop 49%
- Revenue growth accelerationTop 34%
Quality80Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 13%
- Gross marginBottom 33%
- Operating marginTop 23%
- Cash conversion (OCF / net income)Top 28%
- Accruals (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Top 28%
- Interest coverBottom 45%
Value72Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 32%
- Free-cash-flow yieldTop 22%
- EBITDA / enterprise valueTop 21%
- Sales / enterprise valueTop 44%
- P/E vs own 5-year history (lower is better)Bottom 25%
Momentum76Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 23%
- Distance from 52-week highTop 35%
- Trend checklist (0–4)Top 48%
Revisions24Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 49%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 17%
- Upside to consensus price targetBottom 11%
Stability63Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 24%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 28%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.1% | 1.2% | ↑ |
| EPS growth (YoY) | 22.5% | 23.7% | ↑ |
| Gross margin | 51.3% | 57.2% | ↑ |
| Operating margin | 25.3% | 33.2% | ↑ |
| FCF margin | 23.6% | 38.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.2% | -0.1% | ↑ | Bottom 30% |
| EPS growth (TTM, YoY) | 23.7% | 22.5% | ↑ | Top 45% |
| Gross margin | 57.2% | 51.3% | ↑ | Bottom 33% |
| Operating margin | 33.2% | 25.3% | ↑ | Top 23% |
| Net margin | 25.0% | 21.4% | ↑ | — |
| Free-cash-flow margin | 38.4% | 23.6% | ↑ | — |
| Return on invested capital | 10.3% | — | Top 13% | |
| Revenue growth, 3-year CAGR | 15.1% | — | Top 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.56×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -3.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.02×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.38%
- Net buyback yield (TTM)
- 3.12%
- Shareholder yield
- 5.49%
- Share count change, 1 year
- -4.1%
- Share count change, 3-year CAGR
- -2.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +4.7%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $60.67
- Target vs current price
- -0.3%
- Analysts with a rating
- 13
- Share rating Buy or Strong Buy
- 23%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +1.5% | -1.1% | +2.4% | +3.4% | — |
| Apr 22, 2026 | +8.4% | +0.4% | +4.1% | +4.6% | +17.1% |
| Jan 22, 2026 | +10.8% | -0.3% | -4.7% | +1.5% | +3.5% |
| Oct 21, 2025 | -1.7% | +0.3% | -0.5% | -3.9% | +8.1% |
| Jul 22, 2025 | +0.0% | -0.4% | -2.7% | -0.9% | +2.6% |
| Apr 21, 2025 | +3.2% | -0.1% | +9.2% | +14.5% | +24.4% |
| Jan 22, 2025 | +1.8% | +0.0% | -3.0% | -3.9% | -21.4% |
| Oct 21, 2024 | -1.1% | -3.1% | -2.6% | +12.5% | +4.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.37 | $1.35 | +1.5% | $221.2M |
| Apr 22, 2026 | $1.29 | $1.19 | +8.4% | $213.2M |
| Jan 22, 2026 | $1.33 | $1.20 | +10.8% | $222.8M |
| Oct 21, 2025 | $1.13 | $1.15 | -1.7% | $210.6M |
| Jul 22, 2025 | $1.10 | $1.10 | +0.0% | $196.6M |
| Apr 21, 2025 | $0.98 | $0.95 | +3.2% | $187.8M |
| Jan 22, 2025 | $1.12 | $1.10 | +1.8% | $186.5M |
| Oct 21, 2024 | $0.94 | $0.95 | -1.1% | $189.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.9× | 10.8× | 81th | Top 32% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 8.5× | — | — | Top 21% |
| EV / Sales | 2.93× | — | — | Top 44% |
| Free-cash-flow yield | 13.09% | — | — | Top 22% |
| Earnings yield | 8.42% | — | — | Top 32% |
P/E over the past five years
Range 5.5× – 12.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +27.3%
- Earnings per share growth (TTM)
- +23.7%
- Change in P/E multiple
- +12.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 135
- 50-day average slope (20 days)
- -0.4%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -2.5%
- Distance from 200-day average
- +8.1%
- RSI (14)
- 45.9
- Relative volume
- 0.93×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.53
- Current drawdown from 1-year high
- -6.3%
- Maximum drawdown, 3 years
- -30.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2022 | May 11, 2023 | -42.4% | 309 days | 375 days (Nov 6, 2024) |
| Nov 25, 2024 | Apr 11, 2025 | -30.7% | 93 days | 206 days (Feb 6, 2026) |
| Mar 12, 2021 | Jul 19, 2021 | -20.3% | 88 days | 89 days (Nov 22, 2021) |
| Feb 9, 2026 | Mar 18, 2026 | -13.0% | 26 days | 21 days (Apr 17, 2026) |
| Nov 23, 2021 | Dec 20, 2021 | -11.8% | 18 days | 13 days (Jan 7, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.08B
- P/E (TTM)
- 11.9
- EPS, diluted (TTM)
- $5.12
- Revenue (TTM)
- $1.39B
- Dividend yield
- 2.43%
- 52-week range
- $44.57 – $65.26
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $721.1M | $908.1M | $1.31B | $1.39B | $1.38B |
| Gross profit | $668.4M | $776.0M | $784.1M | $692.2M | $762.5M |
| Operating income | $381.8M | $472.5M | $403.6M | $317.5M | $407.4M |
| Net income | $298.3M | $360.6M | $354.1M | $286.0M | $315.1M |
| EPS (diluted) | $3.80 | $4.83 | $4.86 | $3.95 | $4.54 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $359.9M | $345.5M | $330.6M | $338.3M | $355.2M | $360.6M | $326.3M | $348.9M |
| Net income | $67.5M | $80.2M | $69.5M | $77.5M | $77.7M | $90.5M | $86.9M | $92.2M |
| EPS (diluted) | $0.94 | $1.12 | $0.98 | $1.10 | $1.13 | $1.33 | $1.29 | $1.37 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $334.3M | $467.4M | $384.7M | $329.2M | $368.6M |
| Capital expenditure | -$3.7M | -$3.4M | -$3.4M | -$3.6M | -$4.9M |
| Free cash flow | $330.6M | $464.0M | $381.3M | $325.5M | $363.7M |
| Dividends paid | -$99.3M | -$101.0M | -$98.6M | -$98.0M | -$93.8M |
| Net share buybacks | -$163.5M | -$137.6M | -$13.2M | -$81.8M | -$177.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.01B
- Total assets
- $24.65B
- Total liabilities
- $21.61B
- Total debt
- $154.3M
- Net debt
- -$9.7M
- Shareholders’ equity
- $3.05B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 28, 2026 | $0.38 | Sep 8, 2026 |
| May 28, 2026 | $0.38 | Jun 9, 2026 |
| Feb 26, 2026 | $0.38 | Mar 9, 2026 |
| Dec 1, 2025 | $0.34 | Dec 11, 2025 |
| Aug 28, 2025 | $0.34 | Sep 8, 2025 |
| May 29, 2025 | $0.34 | Jun 9, 2025 |
| Feb 27, 2025 | $0.34 | Mar 10, 2025 |
| Nov 27, 2024 | $0.34 | Dec 9, 2024 |
Short interest
- Shares sold short
- 3,018,646
- Days to cover
- 7.28
- Change vs previous report
- +8.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 29, 2004
- 2-for-1
- May 10, 2002
- 2-for-1
- Apr 27, 1992
- 6-for-5