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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.24
CATY's Cash to Debt is ranked lower than
85% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. CATY: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
CATY' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.45 Max: No Debt
Current: 0.24
Equity to Asset 0.13
CATY's Equity to Asset is ranked higher than
77% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CATY: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CATY' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.15
Current: 0.13
0.08
0.15
Interest Coverage 2.65
CATY's Interest Coverage is ranked higher than
63% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CATY: 2.65 )
Ranked among companies with meaningful Interest Coverage only.
CATY' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 1.4 Max: 2.68
Current: 2.65
0.24
2.68
F-Score: 5
M-Score: -3.25
WACC vs ROIC
10.88%
9.90%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 48.24
CATY's Operating margin (%) is ranked higher than
82% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. CATY: 48.24 )
Ranked among companies with meaningful Operating margin (%) only.
CATY' s Operating margin (%) Range Over the Past 10 Years
Min: -35.61  Med: 48.48 Max: 61.46
Current: 48.24
-35.61
61.46
Net-margin (%) 38.12
CATY's Net-margin (%) is ranked higher than
83% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. CATY: 38.12 )
Ranked among companies with meaningful Net-margin (%) only.
CATY' s Net-margin (%) Range Over the Past 10 Years
Min: -18.65  Med: 31.96 Max: 39.09
Current: 38.12
-18.65
39.09
ROE (%) 9.61
CATY's ROE (%) is ranked higher than
60% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. CATY: 9.61 )
Ranked among companies with meaningful ROE (%) only.
CATY' s ROE (%) Range Over the Past 10 Years
Min: -6.45  Med: 6.91 Max: 13.7
Current: 9.61
-6.45
13.7
ROA (%) 1.26
CATY's ROA (%) is ranked higher than
73% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CATY: 1.26 )
Ranked among companies with meaningful ROA (%) only.
CATY' s ROA (%) Range Over the Past 10 Years
Min: -0.58  Med: 1.12 Max: 1.63
Current: 1.26
-0.58
1.63
Revenue Growth (3Y)(%) 2.80
CATY's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. CATY: 2.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CATY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.5  Med: 10.6 Max: 15.9
Current: 2.8
-13.5
15.9
EBITDA Growth (3Y)(%) 0.60
CATY's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CATY: 0.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CATY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -70.5  Med: 13.9 Max: 187.6
Current: 0.6
-70.5
187.6
EPS Growth (3Y)(%) 15.70
CATY's EPS Growth (3Y)(%) is ranked higher than
72% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CATY: 15.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CATY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.3  Med: 15.7 Max: 26.5
Current: 15.7
-21.3
26.5
» CATY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

CATY Guru Trades in Q4 2015

Pioneer Investments 1,041,997 sh (+0.72%)
Paul Tudor Jones Sold Out
Jim Simons 165,071 sh (-48.22%)
» More
Q1 2016

CATY Guru Trades in Q1 2016

Jim Simons 294,871 sh (+78.63%)
Pioneer Investments 935,940 sh (-10.18%)
» More
Q2 2016

CATY Guru Trades in Q2 2016

Paul Tudor Jones 21,100 sh (New)
Pioneer Investments 908,875 sh (-2.89%)
Jim Simons 99,271 sh (-66.33%)
» More
Q3 2016

CATY Guru Trades in Q3 2016

Paul Tudor Jones Sold Out
Pioneer Investments 876,760 sh (-3.53%)
Jim Simons 78,471 sh (-20.95%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:VLY, NYSE:TCB, NAS:HOPE, NYSE:BXS, NAS:FFIN, NAS:PNFP, NAS:GBCI, NYSE:STL, NAS:FULT, NAS:IBOC, NYSE:FNB, NAS:HBHC, NYSE:CBU, NYSE:EVER, NAS:IBKC, NAS:ONB, NAS:TRMK, NAS:CVBF, NAS:COLB, NAS:WTFC » details
Traded in other countries:CN7.Germany,
Cathay General Bancorp is a holding company for Cathay Bank, which offers various financial services for individuals, professionals, and small to medium-sized businesses in California.

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 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, 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. In addition, there ar

Ratios

vs
industry
vs
history
P/E(ttm) 16.94
CATY's P/E(ttm) is ranked lower than
68% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CATY: 16.94 )
Ranked among companies with meaningful P/E(ttm) only.
CATY' s P/E(ttm) Range Over the Past 10 Years
Min: 4.83  Med: 15.29 Max: 31.61
Current: 16.94
4.83
31.61
Forward P/E 15.92
CATY's Forward P/E is ranked lower than
72% of the 561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.92 vs. CATY: 15.92 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.94
CATY's PE(NRI) is ranked lower than
65% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. CATY: 16.94 )
Ranked among companies with meaningful PE(NRI) only.
CATY' s PE(NRI) Range Over the Past 10 Years
Min: 4.83  Med: 15.29 Max: 31.61
Current: 16.94
4.83
31.61
Price/Owner Earnings (ttm) 13.97
CATY's Price/Owner Earnings (ttm) is ranked lower than
52% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. CATY: 13.97 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CATY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.13  Med: 14.18 Max: 242.42
Current: 13.97
5.13
242.42
P/B 1.60
CATY's P/B is ranked lower than
75% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CATY: 1.60 )
Ranked among companies with meaningful P/B only.
CATY' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 1.23 Max: 2.59
Current: 1.6
0.34
2.59
P/S 6.43
CATY's P/S is ranked lower than
88% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. CATY: 6.43 )
Ranked among companies with meaningful P/S only.
CATY' s P/S Range Over the Past 10 Years
Min: 1.01  Med: 4.36 Max: 7.53
Current: 6.43
1.01
7.53
PFCF 12.95
CATY's PFCF is ranked lower than
58% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. CATY: 12.95 )
Ranked among companies with meaningful PFCF only.
CATY' s PFCF Range Over the Past 10 Years
Min: 1.34  Med: 12.72 Max: 40.87
Current: 12.95
1.34
40.87
POCF 12.70
CATY's POCF is ranked lower than
63% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. CATY: 12.70 )
Ranked among companies with meaningful POCF only.
CATY' s POCF Range Over the Past 10 Years
Min: 1.32  Med: 11.98 Max: 19.5
Current: 12.7
1.32
19.5
EV-to-EBIT 12.37
CATY's EV-to-EBIT is ranked lower than
56% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. CATY: 12.37 )
Ranked among companies with meaningful EV-to-EBIT only.
CATY' s EV-to-EBIT Range Over the Past 10 Years
Min: -881.7  Med: 10.6 Max: 49.8
Current: 12.37
-881.7
49.8
EV-to-EBITDA 11.94
CATY's EV-to-EBITDA is ranked lower than
59% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. CATY: 11.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
CATY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -87  Med: 10.1 Max: 263.9
Current: 11.94
-87
263.9
PEG 0.29
CATY's PEG is ranked higher than
91% of the 748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CATY: 0.29 )
Ranked among companies with meaningful PEG only.
CATY' s PEG Range Over the Past 10 Years
Min: 0.29  Med: 0.86 Max: 16.78
Current: 0.29
0.29
16.78
Shiller P/E 29.18
CATY's Shiller P/E is ranked lower than
76% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.87 vs. CATY: 29.18 )
Ranked among companies with meaningful Shiller P/E only.
CATY' s Shiller P/E Range Over the Past 10 Years
Min: 4.78  Med: 14.52 Max: 30.03
Current: 29.18
4.78
30.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.09
CATY's Dividend Yield is ranked lower than
66% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. CATY: 2.09 )
Ranked among companies with meaningful Dividend Yield only.
CATY' s Dividend Yield Range Over the Past 10 Years
Min: 0.14  Med: 1.01 Max: 5.2
Current: 2.09
0.14
5.2
Dividend Payout 0.34
CATY's Dividend Payout is ranked higher than
82% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CATY: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
CATY' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.19 Max: 0.88
Current: 0.34
0.03
0.88
Dividend Growth (3y) 141.00
CATY's Dividend Growth (3y) is ranked higher than
99% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. CATY: 141.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CATY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -54.3  Med: 9.7 Max: 141
Current: 141
-54.3
141
Forward Dividend Yield 2.35
CATY's Forward Dividend Yield is ranked lower than
63% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CATY: 2.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 35.67
CATY's Yield on cost (5-Year) is ranked higher than
99% of the 2628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. CATY: 35.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CATY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.38  Med: 17.15 Max: 88.31
Current: 35.67
2.38
88.31
3-Year Average Share Buyback Ratio -0.90
CATY's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CATY: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CATY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.8  Med: -0.9 Max: 0.9
Current: -0.9
-16.8
0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.97
CATY's Price/Tangible Book is ranked lower than
80% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CATY: 1.97 )
Ranked among companies with meaningful Price/Tangible Book only.
CATY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 2.08 Max: 4.78
Current: 1.97
0.62
4.78
Price/Projected FCF 0.94
CATY's Price/Projected FCF is ranked lower than
65% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CATY: 0.94 )
Ranked among companies with meaningful Price/Projected FCF only.
CATY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.77 Max: 1.43
Current: 0.94
0.19
1.43
Price/Median PS Value 1.48
CATY's Price/Median PS Value is ranked lower than
84% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CATY: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
CATY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.12 Max: 1.88
Current: 1.48
0.24
1.88
Price/Graham Number 1.22
CATY's Price/Graham Number is ranked lower than
74% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CATY: 1.22 )
Ranked among companies with meaningful Price/Graham Number only.
CATY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 1.15 Max: 2.18
Current: 1.22
0.43
2.18
Earnings Yield (Greenblatt) (%) 8.09
CATY's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. CATY: 8.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CATY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 9.1 Max: 16.6
Current: 8.09
2
16.6
Forward Rate of Return (Yacktman) (%) 10.30
CATY's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 879 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.55 vs. CATY: 10.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CATY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.8  Med: 16.9 Max: 45.7
Current: 10.3
0.8
45.7

More Statistics

Revenue (TTM) (Mil) $442.1
EPS (TTM) $ 2.09
Beta1.15
Short Percentage of Float3.51%
52-Week Range $25.62 - 36.35
Shares Outstanding (Mil)78.89

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 449 523
EPS ($) 2.07 2.24
EPS w/o NRI ($) 2.07 2.24
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($)
» More Articles for CATY

Headlines

Articles On GuruFocus.com
Midcap Dividend Growth Stocks by Sector: Part 2A Regional Banks Apr 13 2016 
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 

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