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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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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Cathay General Bancorp is the holding company for Cathay Bank, a regional commercial bank that provides lending, deposit, mortgage and wealth-management services primarily in California and other U.S. metropolitan markets. Long-term growth may be supported by commercial and mortgage lending, fee-income diversification and measured digital and branch expansion; investors may find the franchise attractive for its local deposit base and recurring revenue streams.
Principal risks include geographic and commercial real estate concentration that could amplify credit losses in a regional downturn, interest-rate and deposit funding sensitivity, and regulatory and competitive pressures on margins.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 390.20M | 317.54M | 403.58M | 472.54M | 381.84M |
| Net income | 315.12M | 285.98M | 354.12M | 360.64M | 298.30M |
| Selling general administrative | 186.79M | 181.66M | 177.74M | 150.58M | 153.53M |
| Selling and marketing expenses | 6.00M | 6.52M | 5.89M | 6.86M | 6.91M |
| Gross profit | 762.46M | 692.22M | 784.06M | 790.51M | 652.36M |
| Reconciled depreciation | 16.04M | 16.83M | 19.17M | 1.89M | 0.69M |
| Ebit | 407.40M | 317.54M | 403.58M | 590.12M | 381.84M |
| Ebitda | 431.08M | 334.37M | 421.69M | 592.01M | 382.53M |
| Depreciation and amortization | 23.68M | 16.83M | 18.10M | 1.89M | 0.69M |
| Operating income | 407.40M | 317.54M | 403.58M | 590.12M | 381.84M |
| Other operating expenses | 977.29M | 1073.10M | 906.93M | 6.86M | -270.51M |
| Interest expense | 566.80M | 660.92M | 500.48M | 117.58M | 68.76M |
| Tax provision | 75.07M | 31.56M | 72.64M | 111.89M | 83.54M |
| Interest income | 1309.26M | 1334.97M | 1172.75M | 851.28M | 666.51M |
| Net interest income | 742.46M | 674.05M | 761.42M | 733.70M | 597.75M |
| Income tax expense | 75.07M | 31.56M | 49.46M | 111.89M | 83.54M |
| Total revenue | 1384.69M | 1390.64M | 1310.51M | 790.51M | 652.36M |
| Total operating expenses | 355.06M | 374.68M | 380.48M | 6.86M | -270.51M |
| Cost of revenue | 622.23M | 698.42M | 526.45M | - | - |
| Total other income expense net | -17.20M | 293.85M | -133.47M | -117.58M | 339.35M |
| Net income from continuing ops | 315.12M | 285.98M | 369.20M | 360.64M | 298.30M |
| Net income applicable to common shares | - | - | - | 360.64M | 298.30M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 24229.58M | 23054.68M | 23101.81M | 21985.75M | 20886.72M |
| Intangible assets | 2.68M | 3.33M | 4.46M | 5.76M | 4.63M |
| Other current assets | - | - | 965.88M | -1465.12M | 15299.83M |
| Total liab | 21304.19M | 20208.98M | 20365.24M | 19511.71M | 192.97M |
| Total stockholder equity | 2925.39M | 2845.70M | 2736.57M | 2474.04M | 2446.25M |
| Other current liab | 9680.51M | 19686.20M | 18265.60M | 2.37M | 8.11M |
| Common stock | - | 0.92M | 0.91M | 0.91M | 0.91M |
| Capital stock | 0.92M | 0.92M | 0.91M | 0.91M | 0.91M |
| Retained earnings | 2909.68M | 2688.35M | 2500.34M | 2244.86M | 1985.17M |
| Other liab | - | - | - | 306.09M | 180.54M |
| Good will | 375.70M | 375.70M | 375.70M | 375.70M | 372.19M |
| Other assets | 21774.21M | 20707.66M | 0.00M | 16947.32M | 12984.26M |
| Cash | 146.32M | 157.17M | 173.99M | 195.44M | 134.14M |
| Total current liabilities | 9680.51M | 19686.20M | 18276.40M | 18989.43M | 18066.95M |
| Net debt | 62.60M | 70.56M | 535.73M | 463.81M | 58.83M |
| Short term debt | - | 10.24M | 10.80M | - | 8.11M |
| Short long term debt total | 208.92M | 227.73M | 709.72M | 659.25M | 192.97M |
| Other stockholder equity | 2925.39M | 242.04M | 320.74M | 330.57M | 463.24M |
| Property plant equipment | - | - | - | 124.40M | 127.24M |
| Total current assets | 1901.54M | 1808.52M | 965.88M | 2709.95M | 3634.01M |
| Long term investments | 3275.38M | 2753.52M | 2615.47M | 1822.63M | 1448.84M |
| Net tangible assets | - | - | - | 2092.59M | 2069.43M |
| Short term investments | 1658.22M | 1553.57M | 2259.38M | 2432.08M | 3442.87M |
| Net receivables | 96.99M | 97.78M | 97.67M | 82.43M | 56.99M |
| Long term debt | 136.72M | 196.88M | 674.92M | 626.74M | 162.28M |
| Inventory | - | - | 76.31M | 4.07M | 4.37M |
| Accounts payable | - | - | - | 18505.28M | 18058.84M |
| Accumulated other comprehensive income | - | -85.61M | -85.42M | -102.30M | -3.06M |
| Common stock total equity | - | - | - | - | 0.91M |
| Retained earnings total equity | - | - | - | - | 1985.17M |
| Treasury stock | - | - | - | - | -509.24M |
| Non currrent assets other | 36.10M | 346.21M | 20526.30M | -958.73M | -4268.45M |
| Non current assets total | 553.83M | 21246.17M | 22135.94M | 2328.49M | 4268.45M |
| Capital lease obligations | 36.10M | 30.85M | 34.80M | 32.52M | 30.69M |
| Long term debt total | - | - | - | - | 119.14M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -39.89M | 184.03M | -1088.60M | -1849.43M | -830.51M |
| Change to liabilities | - | - | - | 0.00M | 2.40M |
| Total cashflows from investing activities | -857.32M | 184.03M | - | -1849.43M | -859.92M |
| Net borrowings | -60.00M | -480.00M | - | 465.00M | -130.00M |
| Total cash from financing activities | 873.64M | -302.47M | 758.74M | 94.74M | 1554.23M |
| Change to operating activities | - | - | - | 102.84M | -0.39M |
| Net income | 315.12M | 285.98M | 354.12M | 360.64M | 298.30M |
| Change in cash | 384.89M | 210.72M | -333.60M | -1287.30M | 1028.63M |
| Begin period cash flow | 1039.52M | 828.80M | 1162.40M | 2449.70M | 1421.08M |
| End period cash flow | 1424.41M | 1039.52M | 828.80M | 1162.40M | 2449.70M |
| Total cash from operating activities | 368.57M | 329.15M | 384.74M | 467.39M | 334.32M |
| Issuance of capital stock | 2.61M | 2.93M | 3.63M | 3.72M | 3.56M |
| Depreciation | 16.04M | 16.83M | 18.10M | 19.80M | 16.12M |
| Other cashflows from investing activities | -926.74M | 137.44M | - | 4.01M | -25.68M |
| Dividends paid | 93.80M | 97.97M | 98.64M | 100.95M | 99.32M |
| Change to account receivables | 26.72M | -10.05M | -54.37M | -80.41M | -34.20M |
| Sale purchase of stock | -180.29M | -84.70M | -16.67M | -141.32M | -167.10M |
| Other cashflows from financing activities | 1205.12M | 357.27M | 815.55M | 333.29M | 1997.10M |
| Change to netincome | - | - | - | 64.52M | -13.03M |
| Capital expenditures | 4.91M | 3.64M | 3.40M | 3.39M | 3.73M |
| Cash flows other operating | - | - | - | - | 30.82M |
| Cash and cash equivalents changes | - | - | - | - | 1028.63M |
| Change in working capital | -61.64M | -52.77M | -76.52M | 22.43M | -34.58M |
| Stock based compensation | 7.61M | 6.80M | 7.84M | 7.83M | 6.81M |
| Other non cash items | 79.29M | 93.07M | 85.98M | 58.77M | 38.50M |
| Free cash flow | 363.66M | 325.52M | 381.34M | 464.00M | 330.59M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CATY Cathay General Bancorp |
0.42 0.65% |
64.72 | 12.22 | 10.10 | 5.24 | 1.37 | 4.96 |
| DBSDY DBS Group Holdings Ltd ADR |
0.10 0.04% |
231.96 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.10 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.46 1.40% |
33.25 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.38 0.47% |
80.27 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
777 North Broadway, Los Angeles, CA, United States, 90012
213 625 4700
1268
| Name | Title | Year Born |
|---|---|---|
| Mr. Dunson K. Cheng | Exec. Chairman | 1945 |
| Mr. Chang Ming Liu | CEO, Pres & Director | 1967 |
| Mr. Heng W. Chen | Exec. VP, CFO & Treasurer | 1953 |
| Ms. Georgia Lo | Assistant Sec. & Investor Relations | NA |
| May K. Chan | Sr. VP, Gen. Counsel & Sec. | NA |
| Mr. Weston Barkwill | Chief Internal Auditor | NA |
| Mr. Dunson K. Cheng | Executive Chairman of the Board | 1945 |
| Mr. Chang Ming Liu | CEO, President & Director | 1967 |
| Mr. Heng W. Chen | Executive VP, CFO & Treasurer | 1953 |
| Ms. Georgia Lo | Assistant Secretary & Investor Relations | NA |
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