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Upturn AI SWOT - About
Cathay General Bancorp (CATY)
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Upturn Advisory Summary
06/30/2025: CATY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $48.2
1 Year Target Price $48.2
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.95% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.20B USD | Price to earnings Ratio 11.56 | 1Y Target Price 48.2 |
Price to earnings Ratio 11.56 | 1Y Target Price 48.2 | ||
Volume (30-day avg) 5 | Beta 0.91 | 52 Weeks Range 35.08 - 54.10 | Updated Date 06/30/2025 |
52 Weeks Range 35.08 - 54.10 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.98% | Basic EPS (TTM) 3.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.09% | Operating Margin (TTM) 57.81% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 10.07% |
Valuation
Trailing PE 11.56 | Forward PE - | Enterprise Value 2088723328 | Price to Sales(TTM) 4.63 |
Enterprise Value 2088723328 | Price to Sales(TTM) 4.63 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA - | Shares Outstanding 70133296 | Shares Floating 66724735 |
Shares Outstanding 70133296 | Shares Floating 66724735 | ||
Percent Insiders 4.97 | Percent Institutions 76.45 |
Analyst Ratings
Rating 3 | Target Price 48.2 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 2 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Cathay General Bancorp
Company Overview
History and Background
Cathay General Bancorp was founded in 1962 and is headquartered in Los Angeles, California. It primarily serves the Asian-American community, offering a range of financial products and services. It has grown through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Offers a wide range of commercial lending, deposit, and cash management services to businesses of various sizes.
- Retail Banking: Provides traditional retail banking services such as checking accounts, savings accounts, mortgage loans, and other consumer loans.
- Real Estate Lending: Offers commercial real estate loans, residential mortgage loans, and construction loans.
Leadership and Structure
The leadership team consists of senior executives with expertise in banking, finance, and management. The organizational structure includes various departments and divisions responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant part of Cathay General Bancorp's portfolio. They cater to businesses, primarily within the Asian-American community. Market share is not publicly disclosed. Competitors include East West Bancorp, Bank of America, and Wells Fargo.
- Market Share:
- Number of Users:
- Revenue:
- Market Share:
- Number of Users:
- Real Estate Loans: Real estate loans encompass commercial and residential properties. They are a crucial component of the bank's lending activities. Market share is not publicly disclosed. Competitors include East West Bancorp, Bank of America, and Wells Fargo.
- Revenue:
- Market Share:
- Number of Users:
- Revenue:
- SBA Loans: Small Business Administration (SBA) loans assist small businesses with funding. The bank is an active SBA lender. Market share is not publicly disclosed. Competitors include East West Bancorp, Bank of America, and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently characterized by interest rate volatility, increased regulatory scrutiny, and technological advancements. Competition is high, with traditional banks, credit unions, and fintech companies vying for market share.
Positioning
Cathay General Bancorp focuses on serving the Asian-American community, giving it a niche advantage. It competes with larger national banks but differentiates itself through its cultural understanding and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Asian-American community is substantial and growing. Cathay General Bancorp is well-positioned to capitalize on this market due to its established brand and customer base.
Upturn SWOT Analysis
Strengths
- Strong presence in Asian-American communities
- Experienced management team
- Solid financial performance
- Strong asset quality
Weaknesses
- Geographic concentration
- Limited diversification
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased demand for Asian-language banking services
- Technological innovation
- Partnerships with fintech companies
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Interest rate risk
Competitors and Market Share
Key Competitors
- EWBC
- BOH
- TCBI
Competitive Landscape
Cathay General Bancorp's advantage lies in its focus on the Asian-American community, but it faces competition from larger, more diversified banks.
Major Acquisitions
SinoPac Bancorp
- Year: 2017
- Acquisition Price (USD millions): 340
- Strategic Rationale: Expanded Cathay General Bancorp's presence in Southern California and enhanced its ability to serve the Asian-American community.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions. Focus has been on growing its loan portfolio and deposit base.
Future Projections: Future growth is expected to be driven by expansion into new markets and continued focus on the Asian-American community. Analyst estimates suggest continued revenue and earnings growth.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion of its digital banking platform.
Summary
Cathay General Bancorp is a well-established bank focused on the Asian-American community, exhibiting solid financial performance. Its niche focus provides an advantage, but it faces competition from larger national banks. Future growth depends on strategic initiatives and expanding market presence, but needs to be careful to protect against the interest rate and economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC, Investor Relations), Market research reports, Financial news articles
- Third-party Financial data providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. This analysis is based on publicly available information and may not be entirely comprehensive.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cathay General Bancorp
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1990-12-17 | CEO, President & Director Mr. Chang Ming Liu | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1266 | |
Full time employees 1266 | |||
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, and time deposits. The company also provides loan products, such as 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, forward currency spot and forward contract, safe deposit, collection, 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. Cathay General Bancorp was founded in 1962 and is headquartered in Los Angeles, California.
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