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CATY 
Cathay General Bancorp (CATY)
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Upturn Advisory Summary
12/04/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $52.2
1 Year Target Price $52.2
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.13% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.43B USD | Price to earnings Ratio 11.46 | 1Y Target Price 52.2 |
Price to earnings Ratio 11.46 | 1Y Target Price 52.2 | ||
Volume (30-day avg) 5 | Beta 0.88 | 52 Weeks Range 35.28 - 50.93 | Updated Date 12/4/2025 |
52 Weeks Range 35.28 - 50.93 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 0.70% | Basic EPS (TTM) 4.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 42.83% | Operating Margin (TTM) 59.29% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 10.63% |
Valuation
Trailing PE 11.46 | Forward PE - | Enterprise Value 2432450304 | Price to Sales(TTM) 4.82 |
Enterprise Value 2432450304 | Price to Sales(TTM) 4.82 | ||
Enterprise Value to Revenue 4.73 | Enterprise Value to EBITDA - | Shares Outstanding 68036614 | Shares Floating 64675605 |
Shares Outstanding 68036614 | Shares Floating 64675605 | ||
Percent Insiders 5.05 | Percent Institutions 76.77 |
Upturn AI SWOT
Cathay General Bancorp
Company Overview
History and Background
Cathay General Bancorp was founded in 1962. It started as Cathay Bank, catering to the Chinese-American community in Los Angeles. It has expanded significantly through organic growth and acquisitions, becoming one of the largest Asian American-owned banks in the US.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, working capital lines of credit, and trade finance.
- Retail Banking: Offers deposit accounts, mortgage loans, and other banking services to individuals and families.
- Treasury Management: Provides cash management and other treasury services to businesses.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a bank holding company, with various departments overseeing different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Competitors include East West Bancorp, Bank of America, Wells Fargo. Market share data not readily available at granular product level.
- Commercial and Industrial Loans: Loans to businesses for various purposes like working capital and expansion. Competitors include East West Bancorp, Bank of America, Wells Fargo. Market share data not readily available at granular product level.
- Retail Mortgage Loans: Loans for individuals to purchase homes. Competitors include Wells Fargo, Bank of America, JPMorgan Chase. Market share data not readily available at granular product level.
Market Dynamics
Industry Overview
The banking industry is highly competitive, subject to regulatory oversight and influenced by economic conditions. Trends include increasing digitalization, rising interest rates, and consolidation.
Positioning
Cathay General Bancorp focuses on serving the Asian-American community but also caters to a broader customer base. It differentiates itself through its cultural understanding and personalized service.
Total Addressable Market (TAM)
The US banking sector is vast, representing trillions of dollars in assets. Cathay General Bancorp is positioned to capture a portion of this TAM by focusing on specific demographics and markets.
Upturn SWOT Analysis
Strengths
- Strong presence in Asian-American markets
- Experienced management team
- Solid financial performance
- Good asset quality
Weaknesses
- Concentration in specific geographic areas
- Smaller scale compared to larger national banks
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Increased digitalization of services
- Acquisitions of smaller banks
- Growth in the Asian-American population
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- EWBC
- UMPQ
- FCNCA
Competitive Landscape
Cathay General Bancorp faces competition from larger national banks and other regional banks. Its competitive advantage lies in its focus on serving the Asian-American community.
Major Acquisitions
Great Eastern Bank
- Year: 2011
- Acquisition Price (USD millions): 180
- Strategic Rationale: Expanded Cathay Bank's presence in the New York market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth of the company is stable, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are positive based on continued expansion and favorable demographics. Analyst estimates unavailable in real time
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Cathay General Bancorp is a well-managed bank with a strong presence in the Asian-American market. Its solid financial performance and experienced management team are strengths. Potential threats include increased competition and regulatory changes, it has growth oppurtunities.
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Sources and Disclaimers
Data Sources:
- Company Filings
- Market Data
- Industry Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice.
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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