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Cathay General Bancorp

CATY Nasdaq State Commercial Banks Financials FY2016–FY2025

Revenue Total sales reported in the income statement.
$53.8M
2.9% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
660.1%
56.9 pts
Net income Profit after all expenses, interest and tax.
$315M
10.2%
Return on equity Net income as a share of average shareholders' equity.
10.9%
0.7 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On $5.12 EPS (TTM)

What Cathay General Bancorp does

No business description yet.

Legal name
CATHAY GENERAL BANCORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 2, 2026
Accession · CIK
0001437749-26-006157
0000861842

Revenue and margins

Cathay General Bancorp had $53.8M of revenue in fiscal 2025, up 2.9% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 8.4% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Cathay General Bancorp returned $274M to shareholders in fiscal 2025, 75% of free cash flow. The diluted share count fell 4.0%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $16.2B——$19.2B$19.9B
Deposits $18.1B$18.5B$19.3B$19.7B$20.9B
Loans / deposits 89.7%——97.5%95.4%
Total assets $20.9B$21.9B$23.1B$23.1B$24.2B
Shareholders' equity $2.4B$2.5B$2.7B$2.8B$2.9B
Goodwill $372M$376M$376M$376M$376M
Intangible assets $4.6M$5.8M$4.5M$3.3M$2.7M
Provision / loans −0.1%——0.2%—

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $25.5M $25.6M $28.0M $31.5M $32.2M $39.1M $42.2M $43.9M $52.3M $53.8M
Net interest income $418M $496M $566M $575M $552M $598M $734M $742M $674M $742M
Noninterest income $33.4M $36.3M $31.7M $44.8M $42.8M $54.6M $56.8M $68.3M $55.7M $75.4M
Noninterest expense $225M $236M $264M $277M $283M $287M $303M $380M $375M $355M
Provision for credit losses −$15.7M −$2.5M −$4.5M −$7.0M $57.5M −$11.2M $12.9M $25.7M $36.9M —
Interest expense $81.2M $80.4M $122M $194M $148M $68.8M $118M $500M — —
Pretax income $242M $298M $338M $349M $254M $382M $473M $404M $318M $390M
Income tax $67.1M $122M $65.8M $70.2M $25.1M $83.5M $112M $49.5M $31.6M $75.1M
Net income $175M $176M $272M $279M $229M $298M $361M $354M $286M $315M
Net income to common $175M $176M $272M $279M $229M $298M $361M $354M $286M $315M
Diluted EPS $2.19 $2.17 $3.33 $3.48 $2.87 $3.80 $4.83 $4.86 $3.95 $4.54
Diluted shares 0.08B 0.08B 0.08B 0.08B 0.08B 0.08B 0.07B 0.07B 0.07B 0.07B
Cash flow
Cash from operations $234M $249M $337M $435M $320M $334M $467M $385M $329M $369M
Capital expenditure $3.5M $3.2M $6.7M $7.1M $5.8M $3.7M $3.4M $3.4M $3.6M $4.9M
Free cash flow $231M $246M $330M $428M $314M $331M $464M $381M $326M $364M
Depreciation and amortization $7.5M $7.3M $7.3M $6.8M $7.7M $8.0M $10.0M $8.4M $7.2M $6.6M
Stock-based compensation $5.0M $5.7M $8.0M $6.6M $5.6M $6.0M $7.0M $7.0M $6.0M $6.6M
Acquisitions — $1.4M $0.0M $0.0M $0.0M $0.0M $73.9M $0.0M $0.0M —
Share buybacks $54.4M $0.0M $42.6M $36.3M $23.6M $167M $141M $16.7M $84.7M $180M
Dividends paid $59.3M $69.9M $83.4M $99.1M $98.7M $99.3M $101M $98.6M $98.0M $93.8M
Dividends and buybacks $114M $69.9M $126M $135M $122M $266M $242M $115M $183M $274M
Balance sheet
Cash and short-term investments $2.2B $828M $975M — — — — — — —
Total debt $119M $194M $189M $145M $119M $119M $119M $119M $119M $119M
Loans, net $11.1B $12.7B $13.9B $15.0B $15.5B $16.2B — — $19.2B $19.9B
Deposits $11.7B $12.7B $13.7B $14.7B $16.1B $18.1B $18.5B $19.3B $19.7B $20.9B
Property and equipment, net $106M $103M $103M $104M $103M $99.4M $94.8M $91.1M $88.7M $87.6M
Goodwill $372M $372M $372M $372M $372M $372M $376M $376M $376M $376M
Intangible assets $2.9M $8.1M $7.2M $6.3M $5.4M $4.6M $5.8M $4.5M $3.3M $2.7M
Total assets $14.5B $15.6B $16.8B $18.1B $19.0B $20.9B $21.9B $23.1B $23.1B $24.2B
Total liabilities $12.7B $13.7B $14.7B $15.8B $16.6B $18.4B $19.5B $20.3B $20.2B $21.3B
Shareholders' equity $1.8B $2.0B $2.1B $2.3B $2.4B $2.4B $2.5B $2.7B $2.8B $2.9B
Margins
Net margin 687.0% 686.4% 971.5% 886.7% 710.0% 763.4% 855.0% 806.4% 547.2% 585.8%
FCF margin 905.9% 957.9% 1,178.7% 1,359.1% 974.6% 846.1% 1,100.0% 868.4% 622.8% 676.0%
Net interest share of revenue 1,639.6% 1,932.7% 2,022.2% 1,826.2% 1,712.7% 1,529.8% 1,739.5% 1,689.2% 1,289.7% 1,380.2%
Efficiency ratio 881.6% 920.9% 944.9% 880.8% 879.3% 733.3% 719.4% 866.5% 716.9% 660.1%
Returns
Return on equity 9.6% 9.3% 13.3% 12.6% 9.7% 12.3% 14.7% 13.6% 10.2% 10.9%
Return on assets 1.2% 1.2% 1.7% 1.6% 1.2% 1.5% 1.7% 1.6% 1.2% 1.3%
Return on tangible equity 12.0% 11.1% 15.6% 14.6% 11.2% 14.4% 17.2% 15.0% 11.6% 12.4%
Growth
Revenue growth — 0.6% 9.1% 12.5% 2.4% 21.2% 7.9% 4.1% 19.0% 2.9%
Net income growth — 0.5% 54.4% 2.7% −18.0% 30.3% 20.9% −1.8% −19.2% 10.2%
EPS growth — −0.9% 53.5% 4.5% −17.5% 32.4% 27.1% 0.6% −18.7% 14.9%
FCF growth — 6.4% 34.3% 29.7% −26.6% 5.2% 40.3% −17.8% −14.6% 11.7%
Share count change — 1.3% 0.7% −1.7% −0.6% −1.5% −5.0% −2.4% −0.7% −4.0%
Financial health
Debt / equity 0.1x 0.1x 0.1x 0.1x 0.0x 0.0x 0.0x 0.0x 0.0x 0.0x
Loans / deposits 94.9% 100.4% 101.2% 101.8% 96.1% 89.7% — — 97.5% 95.4%
Provision / loans −0.1% −0.0% −0.0% −0.0% 0.4% −0.1% — — 0.2% —
Capital allocation
Capex / revenue 13.8% 12.4% 23.8% 22.7% 17.9% 9.5% 8.0% 7.7% 7.0% 9.1%
Stock comp / revenue 19.5% 22.4% 28.5% 21.0% 17.4% 15.4% 16.6% 15.9% 11.5% 12.3%
Payouts / FCF 49.3% 28.4% 38.2% 31.7% 38.9% 80.6% 52.2% 30.2% 56.1% 75.4%
Quality scores
Piotroski F-score — 3.0 6.0 6.0 5.0 7.0 7.0 5.0 5.0 6.0
Accruals ratio −0.4% −0.5% −0.4% −0.9% −0.5% −0.2% −0.5% −0.1% −0.2% −0.2%

Source: SEC EDGAR XBRL filings (CIK 0000861842). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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