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Upturn AI SWOT - About
CATY 
Cathay General Bancorp (CATY)
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Upturn Advisory Summary
10/31/2025: CATY (2-star) is currently NOT-A-BUY. Pass it for now.
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 $51.2
1 Year Target Price $51.2
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.75% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.10B USD | Price to earnings Ratio 10.5 | 1Y Target Price 51.2 |
Price to earnings Ratio 10.5 | 1Y Target Price 51.2 | ||
Volume (30-day avg) 5 | Beta 0.93 | 52 Weeks Range 35.53 - 53.74 | Updated Date 11/2/2025 |
52 Weeks Range 35.53 - 53.74 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 0.75% | Basic EPS (TTM) 4.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 1.15 | Actual 1.13 |
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 10.5 | Forward PE - | Enterprise Value 3297301504 | Price to Sales(TTM) 4.36 |
Enterprise Value 3297301504 | Price to Sales(TTM) 4.36 | ||
Enterprise Value to Revenue 5.12 | Enterprise Value to EBITDA - | Shares Outstanding 68286591 | Shares Floating 64876359 |
Shares Outstanding 68286591 | Shares Floating 64876359 | ||
Percent Insiders 5.08 | Percent Institutions 77.49 |
Upturn AI SWOT
Cathay General Bancorp
Company Overview
History and Background
Cathay General Bancorp was founded in 1962, primarily serving the Chinese-American community in Southern California. It has grown through organic expansion and strategic acquisitions to become a leading bank focused on serving diverse communities.
Core Business Areas
- Commercial Banking: Provides a wide array of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, mortgage loans, and other consumer financial products to individuals and families.
- International Banking: Facilitates international trade and provides banking services to customers with international business interests, particularly those related to Asia.
Leadership and Structure
The leadership team includes Chairman of the Board and CEO. The organizational structure comprises various divisions, including commercial banking, retail banking, and operations, reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: These loans finance the purchase, construction, or refinance of commercial properties. Market share data is not publicly available; competitors include regional and national banks like East West Bancorp (EWBC) and Bank of America (BAC). Revenue from this product accounts for approximately 40% of loan revenue.
- Small Business Loans: Provides loans to small businesses for various purposes. Cathay Bank's market share is relatively small, competing with Bank of America, Wells Fargo, and smaller regional banks. Approximately 20% of loan revenue is from this product.
- Residential Mortgages: These mortgages finance the purchase of individual homes. No specific market share data is available, competitors are Bank of America, Wells Fargo and US Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and competition from fintech companies. Regional banks are experiencing more volatility. Loan growth is moderate but expected to slow.
Positioning
Cathay General Bancorp is a regional bank with a strong presence in Asian-American communities. Its competitive advantages include deep customer relationships and cultural understanding.
Total Addressable Market (TAM)
The TAM for regional banking services in the US is estimated to be in the trillions of dollars. Cathay General Bancorp is positioned to capture a share of this market by focusing on underserved communities and providing tailored financial solutions.
Upturn SWOT Analysis
Strengths
- Strong presence in Asian-American markets
- Experienced management team
- Solid asset quality
- Diversified loan portfolio
Weaknesses
- Geographic concentration
- Limited brand recognition outside core markets
- Reliance on traditional banking services
- Higher cost of deposits compared to larger banks
Opportunities
- Expansion into new geographic markets
- Development of new digital banking products
- Increased lending to small and medium-sized businesses
- Potential acquisitions of other community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- EWBC
- UMB
- BOKF
Competitive Landscape
Cathay General Bancorp competes with larger national banks and other regional banks. It has a strong competitive advantage in serving Asian-American communities but faces challenges from larger banks with greater resources.
Major Acquisitions
Great Eastern Bank
- Year: 2010
- Acquisition Price (USD millions): 184
- Strategic Rationale: Expanded Cathay General Bancorp's presence in the New York metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Cathay General Bancorp has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project moderate revenue and earnings growth over the next few years, driven by increased lending and deposit growth.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on underserved communities.
Summary
Cathay General Bancorp is a financially stable regional bank with a strong niche in the Asian-American community. Its consistent performance and strategic initiatives are positives, though they need to watch out for increasing competition from larger banks and changing market conditions.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- MarketWatch
- Yahoo Finance
- SEC EDGAR Database
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data are estimates based on publicly available information.
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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