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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 0.31
CATY's Cash to Debt is ranked higher than
58% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. CATY: 0.31 )
CATY' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.31

Equity to Asset 0.14
CATY's Equity to Asset is ranked higher than
88% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CATY: 0.14 )
CATY' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.15
Current: 0.14

0.08
0.15
Interest Coverage 2.90
CATY's Interest Coverage is ranked higher than
81% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CATY: 2.90 )
CATY' s 10-Year Interest Coverage Range
Min: 0.24   Max: 2.9
Current: 2.9

0.24
2.9
F-Score: 5
Z-Score: 0.37
WACC vs ROIC
10.44%
10.09%
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 (%) 59.59
CATY's Operating margin (%) is ranked higher than
96% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. CATY: 59.59 )
CATY' s 10-Year Operating margin (%) Range
Min: -35.61   Max: 63.33
Current: 59.59

-35.61
63.33
Net-margin (%) 37.26
CATY's Net-margin (%) is ranked higher than
90% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. CATY: 37.26 )
CATY' s 10-Year Net-margin (%) Range
Min: -18.65   Max: 40.48
Current: 37.26

-18.65
40.48
ROE (%) 9.09
CATY's ROE (%) is ranked higher than
74% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. CATY: 9.09 )
CATY' s 10-Year ROE (%) Range
Min: -5.19   Max: 19.59
Current: 9.09

-5.19
19.59
ROA (%) 1.23
CATY's ROA (%) is ranked higher than
85% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CATY: 1.23 )
CATY' s 10-Year ROA (%) Range
Min: -0.58   Max: 1.87
Current: 1.23

-0.58
1.87
ROC (Joel Greenblatt) (%) 226.65
CATY's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. CATY: 226.65 )
CATY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -120.98   Max: 239.88
Current: 226.65

-120.98
239.88
Revenue Growth (3Y)(%) 1.00
CATY's Revenue Growth (3Y)(%) is ranked higher than
70% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CATY: 1.00 )
CATY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.5   Max: 15.9
Current: 1

-13.5
15.9
EBITDA Growth (3Y)(%) 10.80
CATY's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CATY: 10.80 )
CATY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -70.1   Max: 187
Current: 10.8

-70.1
187
EPS Growth (3Y)(%) 17.50
CATY's EPS Growth (3Y)(%) is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CATY: 17.50 )
CATY' s 10-Year EPS Growth (3Y)(%) Range
Min: -21.3   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

Q1 2014

CATY Guru Trades in Q1 2014

Jim Simons 73,071 sh (New)
Paul Tudor Jones 16,192 sh (New)
Pioneer Investments 599,846 sh (New)
Steven Cohen 19,132 sh (+0.27%)
Joel Greenblatt 14,125 sh (-8.63%)
» More
Q2 2014

CATY Guru Trades in Q2 2014

Pioneer Investments 601,313 sh (+0.24%)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Jim Simons 63,471 sh (-13.14%)
» More
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
» 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) 16.70
CATY's P/E(ttm) is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. CATY: 16.70 )
CATY' s 10-Year P/E(ttm) Range
Min: 4.84   Max: 32.3
Current: 16.7

4.84
32.3
Forward P/E 14.33
CATY's Forward P/E is ranked higher than
78% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CATY: 14.33 )
N/A
PE(NRI) 16.70
CATY's PE(NRI) is ranked higher than
76% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. CATY: 16.70 )
CATY' s 10-Year PE(NRI) Range
Min: 4.83   Max: 32.18
Current: 16.7

4.83
32.18
P/B 1.41
CATY's P/B is ranked higher than
66% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CATY: 1.41 )
CATY' s 10-Year P/B Range
Min: 0.38   Max: 2.93
Current: 1.41

0.38
2.93
P/S 6.00
CATY's P/S is ranked higher than
51% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. CATY: 6.00 )
CATY' s 10-Year P/S Range
Min: 1.04   Max: 8.69
Current: 6

1.04
8.69
PFCF 15.87
CATY's PFCF is ranked higher than
77% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CATY: 15.87 )
CATY' s 10-Year PFCF Range
Min: 1.35   Max: 40.56
Current: 15.87

1.35
40.56
POCF 15.36
CATY's POCF is ranked higher than
77% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. CATY: 15.36 )
CATY' s 10-Year POCF Range
Min: 1.33   Max: 28.37
Current: 15.36

1.33
28.37
EV-to-EBIT 9.97
CATY's EV-to-EBIT is ranked higher than
88% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. CATY: 9.97 )
CATY' s 10-Year EV-to-EBIT Range
Min: -893   Max: 48.9
Current: 9.97

-893
48.9
Shiller P/E 45.49
CATY's Shiller P/E is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CATY: 45.49 )
CATY' s 10-Year Shiller P/E Range
Min: 4.23   Max: 52.88
Current: 45.49

4.23
52.88
Days Sales Outstanding 25.36
CATY's Days Sales Outstanding is ranked higher than
93% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CATY: 25.36 )
CATY' s 10-Year Days Sales Outstanding Range
Min: 23.01   Max: 103.69
Current: 25.36

23.01
103.69

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.18
CATY's Dividend Yield is ranked lower than
78% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. CATY: 1.18 )
CATY' s 10-Year Dividend Yield Range
Min: 0.14   Max: 5.2
Current: 1.18

0.14
5.2
Dividend Payout 0.17
CATY's Dividend Payout is ranked higher than
96% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CATY: 0.17 )
CATY' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.44
Current: 0.17

0.03
0.44
Dividend growth (3y) 93.50
CATY's Dividend growth (3y) is ranked higher than
99% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CATY: 93.50 )
CATY' s 10-Year Dividend growth (3y) Range
Min: -54.3   Max: 93.5
Current: 93.5

-54.3
93.5
Yield on cost (5-Year) 2.07
CATY's Yield on cost (5-Year) is ranked lower than
60% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. CATY: 2.07 )
CATY' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 8.96
Current: 2.07

0.24
8.96
Share Buyback Rate -0.60
CATY's Share Buyback Rate is ranked higher than
78% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CATY: -0.60 )
CATY' s 10-Year Share Buyback Rate Range
Min: 0.9   Max: -16.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
CATY's Price/Tangible Book is ranked higher than
69% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CATY: 1.76 )
CATY' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 4.84
Current: 1.76

0.62
4.84
Price/DCF (Projected) 0.85
CATY's Price/DCF (Projected) is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CATY: 0.85 )
CATY' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.36
Current: 0.85

0.2
1.36
Price/Median PS Value 1.39
CATY's Price/Median PS Value is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CATY: 1.39 )
CATY' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 1.9
Current: 1.39

0.25
1.9
Price/Graham Number 1.15
CATY's Price/Graham Number is ranked higher than
73% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CATY: 1.15 )
CATY' s 10-Year Price/Graham Number Range
Min: 0.72   Max: 2.4
Current: 1.15

0.72
2.4
Earnings Yield (Greenblatt) 10.00
CATY's Earnings Yield (Greenblatt) is ranked higher than
85% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CATY: 10.00 )
CATY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 16.6
Current: 10

2
16.6
Forward Rate of Return (Yacktman) -2.71
CATY's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CATY: -2.71 )
CATY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.5   Max: 31.9
Current: -2.71

0.5
31.9

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

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