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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.48
CATY's Cash to Debt is ranked lower than
67% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. CATY: 0.48 )
Ranked among companies with meaningful Cash to Debt only.
CATY' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.55 Max: No Debt
Current: 0.48
Equity to Asset 0.14
CATY's Equity to Asset is ranked higher than
82% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CATY: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
CATY' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.15
Current: 0.14
0.08
0.15
Interest Coverage 2.90
CATY's Interest Coverage is ranked higher than
67% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CATY: 2.90 )
Ranked among companies with meaningful Interest Coverage only.
CATY' s 10-Year Interest Coverage Range
Min: 0.24  Med: 0.90 Max: 2.9
Current: 2.9
0.24
2.9
F-Score: 5
WACC vs ROIC
10.54%
10.35%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 58.49
CATY's Operating margin (%) is ranked higher than
92% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. CATY: 58.49 )
Ranked among companies with meaningful Operating margin (%) only.
CATY' s 10-Year Operating margin (%) Range
Min: -35.61  Med: 55.74 Max: 63.33
Current: 58.49
-35.61
63.33
Net-margin (%) 39.32
CATY's Net-margin (%) is ranked higher than
86% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. CATY: 39.32 )
Ranked among companies with meaningful Net-margin (%) only.
CATY' s 10-Year Net-margin (%) Range
Min: -18.65  Med: 34.51 Max: 40.48
Current: 39.32
-18.65
40.48
ROE (%) 9.52
CATY's ROE (%) is ranked higher than
58% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. CATY: 9.52 )
Ranked among companies with meaningful ROE (%) only.
CATY' s 10-Year ROE (%) Range
Min: -6.45  Med: 13.00 Max: 19.59
Current: 9.52
-6.45
19.59
ROA (%) 1.30
CATY's ROA (%) is ranked higher than
74% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CATY: 1.30 )
Ranked among companies with meaningful ROA (%) only.
CATY' s 10-Year ROA (%) Range
Min: -0.58  Med: 1.34 Max: 1.87
Current: 1.3
-0.58
1.87
Revenue Growth (3Y)(%) 1.00
CATY's Revenue Growth (3Y)(%) is ranked lower than
56% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CATY: 1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CATY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.5  Med: 10.70 Max: 15.9
Current: 1
-13.5
15.9
EBITDA Growth (3Y)(%) 10.80
CATY's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CATY: 10.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CATY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -70.1  Med: 14.00 Max: 187
Current: 10.8
-70.1
187
EPS Growth (3Y)(%) 17.50
CATY's EPS Growth (3Y)(%) is ranked higher than
68% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. CATY: 17.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CATY' s 10-Year EPS Growth (3Y)(%) Range
Min: -21.3  Med: 16.80 Max: 27
Current: 17.5
-21.3
27
» CATY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

CATY Guru Trades in Q3 2014

Pioneer Investments 817,685 sh (unchged)
Jim Simons Sold Out
» More
Q4 2014

CATY Guru Trades in Q4 2014

Paul Tudor Jones 9,720 sh (New)
Pioneer Investments 816,438 sh (-0.15%)
» More
Q1 2015

CATY Guru Trades in Q1 2015

Jim Simons 37,400 sh (New)
James Barrow 38,732 sh (New)
Pioneer Investments 930,303 sh (+13.95%)
Paul Tudor Jones Sold Out
» More
Q2 2015

CATY Guru Trades in Q2 2015

Paul Tudor Jones 10,891 sh (New)
Jim Simons 166,200 sh (+344.39%)
Pioneer Investments 1,034,842 sh (+11.24%)
James Barrow 40,845 sh (+5.46%)
» More
» Details

Insider Trades

Latest Guru Trades with CATY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.51
CATY's P/E(ttm) is ranked lower than
64% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CATY: 15.51 )
Ranked among companies with meaningful P/E(ttm) only.
CATY' s 10-Year P/E(ttm) Range
Min: 4.84  Med: 15.81 Max: 32.3
Current: 15.51
4.84
32.3
Forward P/E 14.20
CATY's Forward P/E is ranked lower than
77% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. CATY: 14.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.20
CATY's PE(NRI) is ranked lower than
64% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CATY: 15.20 )
Ranked among companies with meaningful PE(NRI) only.
CATY' s 10-Year PE(NRI) Range
Min: 4.83  Med: 15.79 Max: 32.18
Current: 15.2
4.83
32.18
P/B 1.39
CATY's P/B is ranked lower than
76% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CATY: 1.39 )
Ranked among companies with meaningful P/B only.
CATY' s 10-Year P/B Range
Min: 0.38  Med: 1.23 Max: 2.92
Current: 1.39
0.38
2.92
P/S 6.10
CATY's P/S is ranked lower than
88% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CATY: 6.10 )
Ranked among companies with meaningful P/S only.
CATY' s 10-Year P/S Range
Min: 1.04  Med: 4.38 Max: 8.69
Current: 6.1
1.04
8.69
PFCF 14.16
CATY's PFCF is ranked lower than
66% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. CATY: 14.16 )
Ranked among companies with meaningful PFCF only.
CATY' s 10-Year PFCF Range
Min: 1.35  Med: 12.99 Max: 40.56
Current: 14.16
1.35
40.56
POCF 13.97
CATY's POCF is ranked lower than
75% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. CATY: 13.97 )
Ranked among companies with meaningful POCF only.
CATY' s 10-Year POCF Range
Min: 1.33  Med: 12.30 Max: 24.17
Current: 13.97
1.33
24.17
EV-to-EBIT 11.32
CATY's EV-to-EBIT is ranked higher than
61% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CATY: 11.32 )
Ranked among companies with meaningful EV-to-EBIT only.
CATY' s 10-Year EV-to-EBIT Range
Min: -893  Med: 10.70 Max: 48.9
Current: 11.32
-893
48.9
Shiller P/E 32.83
CATY's Shiller P/E is ranked lower than
87% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. CATY: 32.83 )
Ranked among companies with meaningful Shiller P/E only.
CATY' s 10-Year Shiller P/E Range
Min: 4.25  Med: 19.45 Max: 52.88
Current: 32.83
4.25
52.88
Days Sales Outstanding 26.08
CATY's Days Sales Outstanding is ranked higher than
66% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CATY: 26.08 )
Ranked among companies with meaningful Days Sales Outstanding only.
CATY' s 10-Year Days Sales Outstanding Range
Min: 23.01  Med: 48.42 Max: 103.69
Current: 26.08
23.01
103.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.39
CATY's Dividend Yield is ranked lower than
81% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CATY: 1.39 )
Ranked among companies with meaningful Dividend Yield only.
CATY' s 10-Year Dividend Yield Range
Min: 0.14  Med: 0.96 Max: 5.2
Current: 1.39
0.14
5.2
Dividend Payout 0.22
CATY's Dividend Payout is ranked higher than
84% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CATY: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
CATY' s 10-Year Dividend Payout Range
Min: 0.03  Med: 0.20 Max: 0.88
Current: 0.22
0.03
0.88
Dividend growth (3y) 93.50
CATY's Dividend growth (3y) is ranked higher than
98% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CATY: 93.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
CATY' s 10-Year Dividend growth (3y) Range
Min: -54.3  Med: 8.70 Max: 93.5
Current: 93.5
-54.3
93.5
Yield on cost (5-Year) 2.43
CATY's Yield on cost (5-Year) is ranked lower than
64% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. CATY: 2.43 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CATY' s 10-Year Yield on cost (5-Year) Range
Min: 0.24  Med: 1.65 Max: 8.96
Current: 2.43
0.24
8.96
Share Buyback Rate -0.60
CATY's Share Buyback Rate is ranked higher than
65% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CATY: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
CATY' s 10-Year Share Buyback Rate Range
Min: 0.9  Med: -2.50 Max: -16.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.75
CATY's Price/Tangible Book is ranked lower than
80% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CATY: 1.75 )
Ranked among companies with meaningful Price/Tangible Book only.
CATY' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 2.08 Max: 4.84
Current: 1.75
0.62
4.84
Price/Projected FCF 0.82
CATY's Price/Projected FCF is ranked lower than
66% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CATY: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
CATY' s 10-Year Price/Projected FCF Range
Min: 0.18  Med: 0.76 Max: 1.45
Current: 0.82
0.18
1.45
Price/Median PS Value 1.40
CATY's Price/Median PS Value is ranked lower than
85% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CATY: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
CATY' s 10-Year Price/Median PS Value Range
Min: 0.25  Med: 1.05 Max: 1.88
Current: 1.4
0.25
1.88
Price/Graham Number 1.09
CATY's Price/Graham Number is ranked lower than
76% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CATY: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
CATY' s 10-Year Price/Graham Number Range
Min: 0.44  Med: 1.18 Max: 2.41
Current: 1.09
0.44
2.41
Earnings Yield (Greenblatt) (%) 8.85
CATY's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CATY: 8.85 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CATY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2  Med: 8.30 Max: 16.6
Current: 8.85
2
16.6
Forward Rate of Return (Yacktman) (%) -2.74
CATY's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CATY: -2.74 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CATY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.5  Med: 19.30 Max: 31.9
Current: -2.74
0.5
31.9

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 418 487
EPS($) 1.92 2.08
EPS without NRI($) 1.92 2.08

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:CN7.Germany,
Cathay General Bancorp was organized in 1990 under the laws of the State of Delaware. The Company is the holding company of Cathay Bank, a California state-chartered commercial bank, six limited partnerships investing in affordable housing investments in which the Bank is the sole limited partner, and GBC Venture Capital, Inc. As a commercial bank, the Bank accepts checking, savings, and time deposits, and makes commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The Company's operation segmentation is determined by loan type and common risk characteristics. Loans are grouped into 23 segments: two commercial segments, ten commercial real estate segments, three residential construction segments, three non-residential construction segments, one SBA segment, one installment loans segment, one residential mortgage segment, one equity line of credit segment, and one overdrafts segment. Commercial mortgage loans are typically secured by first deeds of trust on commercial properties. Commercial loans consist primarily of short-term loans (normally with a maturity of up to one year) to support general business purposes, or to provide working capital to businesses in the form of lines of credit to finance trade. SBA's primary loan program and which can be used for financing of a variety of general business purposes such as acquisition of land and buildings, equipment, inventory and working capital needs of eligible businesses generally over a 5- to 25-year term. The single-family-residential mortgage loans are comprised of conforming, nonconforming, and jumbo residential mortgage loans, and are secured by first or subordinate liens on single (one-to-four) family residential properties. The Bank's real estate construction loan activity focuses on providing short-term loans to individuals and developers, primarily for the construction of multi-unit projects. The Bank offers variable-rate home equity lines of credit that are secured by the borrower's home. Installment loans tend to be fixed rate and longer-term (one-to-six year maturities) are also offered by the Bank. As of December 31, 2013, the Bank had branch offices in Southern California (21 branches), Northern California (11 branches), New York (eight branches), Massachusetts (one branch), Texas (two branches), Washington (three branches), Illinois (three branch locations and one drive-through location), New Jersey (one branch), Nevada (one branch), and Hong Kong (one branch) and a representative office in Shanghai and in Taipei. Through Cathay Wealth Management, the Bank provides its customers the ability to trade securities online and to purchase mutual funds, annuities, equities, bonds, and short-term money market instruments. The Bank mainly services individuals, professionals, and small to medium-sized businesses in the local markets. In California, one larger Chinese-American bank competes for loans and deposits with the Bank. I
» More Articles for CATY

Headlines

Articles On GuruFocus.com
5 Companies That Could Be Acquired This Year Feb 23 2012 
Weekly Top Insider Buys: Jefferies Group Inc., The Colonial BancGroup Inc., Cathay General Bancorp, Apr 30 2008 

More From Other Websites
CATHAY GENERAL BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 21 2015
Cathay General Bancorp Declares $0.14 Per Share Dividend And Resumes Share Repurchases Aug 20 2015
Cathay General Bancorp Declares $0.14 Per Share Dividend And Resumes Share Repurchases Aug 20 2015
CATHAY GENERAL BANCORP Financials Aug 18 2015
Cathay General Bancorp Earnings Q2*, 2015 Aug 14 2015
10-Q for Cathay General Bancorp Aug 08 2015
CATHAY GENERAL BANCORP Files SEC form 10-Q, Quarterly Report Aug 06 2015
Cathay General Bancorp and Asia Bancshares Inc. Complete Merger Aug 03 2015
CATHAY GENERAL BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 03 2015
Cathay General Bancorp And Asia Bancshares Inc. Complete Merger Aug 03 2015
Edited Transcript of CATY earnings conference call or presentation 21-Jul-15 10:00pm GMT Jul 21 2015
Cathay General Bancorp Announces Second Quarter 2015 Results Jul 21 2015
Cathay posts 2Q profit Jul 21 2015
Cathay posts 2Q profit Jul 21 2015
CATHAY GENERAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 21 2015
Cathay General Bancorp Announces Second Quarter 2015 Results Jul 21 2015
Q2 2015 Cathay General Bancorp Earnings Release - After Market Close Jul 21 2015
CATHAY GENERAL BANCORP Files SEC form 8-K, Other Events Jul 20 2015
Cathay General Bancorp to Announce Second Quarter 2015 Financial Results Jul 08 2015
CATHAY GENERAL BANCORP Files SEC form 8-K, Regulation FD Disclosure Jun 26 2015

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