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Upturn AI SWOT - About
CATY 
Cathay General Bancorp (CATY)
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Upturn Advisory Summary
08/28/2025: 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 $50.6
1 Year Target Price $50.6
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.8% | Avg. Invested days 42 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.44B USD | Price to earnings Ratio 12.03 | 1Y Target Price 50.6 |
Price to earnings Ratio 12.03 | 1Y Target Price 50.6 | ||
Volume (30-day avg) 5 | Beta 0.95 | 52 Weeks Range 35.53 - 53.74 | Updated Date 08/29/2025 |
52 Weeks Range 35.53 - 53.74 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 4.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.81% | Operating Margin (TTM) 59.6% |
Management Effectiveness
Return on Assets (TTM) 1.26% | Return on Equity (TTM) 10.38% |
Valuation
Trailing PE 12.03 | Forward PE - | Enterprise Value 2782639616 | Price to Sales(TTM) 4.88 |
Enterprise Value 2782639616 | Price to Sales(TTM) 4.88 | ||
Enterprise Value to Revenue 5.29 | Enterprise Value to EBITDA - | Shares Outstanding 69093400 | Shares Floating 65680894 |
Shares Outstanding 69093400 | Shares Floating 65680894 | ||
Percent Insiders 5.03 | Percent Institutions 76.77 |
Upturn AI SWOT
Cathay General Bancorp
Company Overview
History and Background
Cathay General Bancorp, founded in 1962 and headquartered in Los Angeles, California, is the holding company for Cathay Bank. It was established to serve the growing Chinese-American community and has since expanded its services and geographic reach.
Core Business Areas
- Commercial Banking: Provides a wide range of commercial lending products, including commercial real estate loans, working capital loans, and equipment financing.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other retail banking services to individuals and small businesses.
- International Banking: Facilitates cross-border trade and investment, offering services such as letters of credit and foreign exchange.
Leadership and Structure
The leadership team includes Chang M. Liu (Chairman and CEO). The organizational structure consists of various departments, including commercial lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses seeking to acquire or refinance real estate. Market share data is difficult to pinpoint precisely, and varies by geography and type of property. Competitors include larger national and regional banks, as well as specialized lenders.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration (SBA), providing financing to small businesses. Again, specific market share is hard to find. Competitors include other SBA lenders, online lenders, and credit unions.
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Very competitive landscape. Key competitors include large national banks, credit unions, and mortgage companies.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated, facing challenges from fintech companies and changing customer preferences. The current economic environment affects loan demand and credit quality.
Positioning
Cathay General Bancorp focuses on serving the Asian-American community and businesses with international ties. Its competitive advantages include its cultural understanding, language capabilities, and established network.
Total Addressable Market (TAM)
The TAM is the overall market for banking services in the United States, estimated to be in the trillions of dollars. Cathay General Bancorp is positioned to capture a segment of this market through its specialization in serving the Asian-American community and businesses with international interests.
Upturn SWOT Analysis
Strengths
- Strong brand recognition within the Asian-American community
- Deep understanding of Asian cultures and languages
- Extensive branch network in key Asian-American markets
- Strong credit quality
- Diversified revenue streams
Weaknesses
- Geographic concentration in California and New York
- Reliance on interest income
- Limited presence outside of Asian-American markets
- Higher operating expenses than some larger banks
Opportunities
- Expansion into new Asian-American markets
- Increased adoption of digital banking services
- Growth in cross-border trade and investment
- Strategic acquisitions of smaller banks
- Increase lending to diverse communities
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulatory requirements
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- East West Bancorp (EWBC)
- Bank of Hawaii Corporation (BOH)
- First Hawaiian, Inc. (FHB)
Competitive Landscape
Cathay General Bancorp competes primarily with other regional banks and national banks with a strong presence in Asian-American markets. It differentiates itself through its cultural understanding, language capabilities, and personalized service.
Major Acquisitions
Asia Bancorp
- Year: 2003
- Acquisition Price (USD millions): 47.5
- Strategic Rationale: Expanded presence in New York market.
Growth Trajectory and Initiatives
Historical Growth: Cathay General Bancorp has grown steadily over the past decade through organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth in revenues and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the branch network, and increased lending to small businesses.
Summary
Cathay General Bancorp is a financially stable company with a strong presence in the Asian-American market. It is experiencing steady growth, but its geographic concentration and reliance on interest income are potential weaknesses. The company is well-positioned to capitalize on growth opportunities in the Asian-American market and through strategic acquisitions. It needs to carefully manage competition from larger banks and fintech companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- Yahoo Finance
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data is subject to change.
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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