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Upturn AI Summary - About
Cathay General Bancorp(CATY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CATY
09/25/2026: CATY (3-star) is currently NOT-A-BUY. Pass it for now.
Cathay General Bancorp is a regional bank holding company known for its long-standing niche expertise serving the Chinese-American community across the United States. Its strengths include a loyal customer base and a disciplined approach to loan underwriting that has supported long-term stability. The primary investment story rests on its ability to leverage this niche expertise to maintain stable margins while gradually expanding its digital footprint. Risks include geographic concentration in commercial real estate and sensitivity to broader interest rate fluctuations that could impact profitability. The stock is often a suitable fit for value or dividend-focused investors, and monitoring regional economic conditions remains vital for assessing future performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with moderate growth potential rather than high-growth characteristics. |
| Momentum investor | Weak fit | This stock generally lacks the high-volatility price trends favored by momentum strategies. |
| Value investor | Strong fit | Often trades at reasonable price-to-book ratios common for established regional banks. |
| Dividend investor | Strong fit | Provides a consistent dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit while signal remains positive | Its disciplined underwriting and established market niche contribute to a relatively stable risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate shifts and regional economic data. |
| Valuation risk | Medium | Market pricing is closely tied to book value and interest rate cycles. |
| Competition risk (regional banking competition) | Medium / high | Competition for deposits and credit limits margin expansion. |
| Business quality | Strong | The company maintains a long-standing reputation and stable franchise in its niche. |
| Dividend income | Medium | Dividends are reliable but typically do not grow at high rates. |
| Execution risk | Low | Management has a long history of successfully navigating diverse economic cycles. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 29.16% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.08B USD | Price to earnings Ratio 11.82 | 1Y Target Price 65 |
Price to earnings Ratio 11.82 | 1Y Target Price 65 | ||
Volume (30-day avg) 455.4K shares | Beta 0.84 | 52 Weeks Range 43.38 - 64.86 | Updated Date 09/25/2026 |
52 Weeks Range 43.38 - 64.86 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 5.17 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by lending at higher rates than it pays for deposits. |
| Fee-Based Services | Service charges, trade finance fees, and wealth management fees. | Additional revenue is generated from day-to-day banking activities and specialized business services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.82 | Forward PE 10.1 | Enterprise Value 2.91B | Price to Sales(TTM) 5.13 |
Enterprise Value 2.91B | Price to Sales(TTM) 5.13 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 66.71M | Shares Floating 63.40M |
Shares Outstanding 66.71M | Shares Floating 63.40M | ||
Percent Insiders 4.64 | Percent Institutions 79.1 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Cathay General Bancorp
Exchange NASDAQ | Headquarters 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 1268 | |
Full time employees 1268 | |||
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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