CATY (Cathay General Bancorp) Moat Score: 4/10 (As of Jun. 30, 2026)


CATY Cathay General Bancorp CATY
71 GF Score
Price $61.99
GF Value $52.47
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cathay General Bancorp Moat Score?

Cathay General Bancorp CATY +0.26% 71 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates CATY with a GF Score™ of 71/100 and a GF Value™ of $52.47 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Cathay General Bancorp ranks better than 86.24% on this metric.

Cathay General Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Cathay General Bancorp has Narrow Moat: Cathay General Bancorp has a discernible but modest moat due to its niche market focus and customer relationships. It benefits from some economies of scale and a stable customer base. However, it lacks significant intellectual property, regulatory barriers, and strong brand strength, limiting its competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cathay General Bancorp might have Narrow Moat - Discernible but modest moat.

Cathay General Bancorp  (NAS:CATY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cathay General Bancorp Moat Score Related Terms

CATY vs INDB, FBP, UCB: Moat Score Comparison

For the Banks - Regional subindustry, Cathay General Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Cathay General Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Cathay General Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Cathay General Bancorp's Moat Score falls into.


CATY
71GF Score
Cathay General Bancorp CATY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Cathay General Bancorp (CATY) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cathay General Bancorp ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Cathay General Bancorp's Moat Score too high?
Cathay General Bancorp's current Moat Score is 4. Based on the distribution chart, Cathay General Bancorp ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Cathay General Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cathay General Bancorp's Moat Score compare to INDB and FBP?
According to the Banks industry distribution chart, Cathay General Bancorp ranks #222 out of 1613 companies for Moat Score. This places Cathay General Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cathay General Bancorp's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cathay General Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Cathay General Bancorp (CATY) is currently considered Modestly Overvalued. The stock's GF Value™ is $52.47, compared to a current price of $61.99 — trading 18.1% above its estimated fair value. The current Moat Score is 4. Cathay General Bancorp's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cathay General Bancorp (CATY), the current Moat Score is 4 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cathay General Bancorp (CATY) Overvalued in 2026?

Based on GuruFocus' analysis, Cathay General Bancorp stock appears to be overvalued. The current stock price of $61.99 is trading 18.1% above its estimated GF Value™ of $52.47. GuruFocus considers Cathay General Bancorp to be Modestly Overvalued.

Key valuation signals for CATY:

  • Moat Score: 4
  • GF Value™: $52.47 vs. price of $61.99 (18.1% above fair value)
  • GF Score™: 71/100 with 6 warning signs

No single metric tells the full story. See the CATY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cathay General Bancorp Business Description

Other Exchanges CN7:Germany
Address 777 North Broadway, Los Angeles, CA, USA, 90012
Cathay General Bancorp is a regional bank predominantly serving the Chinese-American community. The company's policy is to reach out and actively offer services to low-to-moderate income groups in the delineated branch service areas. It predominantly provides services such as checking and deposit, lines of credit, commercial and commercial real estate loans, merchant services and payment processing, treasury management services, international banking and financing services, and other customary banking services to individuals, professionals, and small to medium-sized businesses. Through its Wealth Management unit, the company also offers investment products and services, such as stocks, bonds, mutual funds, insurance, annuities, and advisory services.
71GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$61.99
Price
$52.47
GF Value