# Cathay General Bancorp (CATY) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $64.93, market value $4.3 billion.

## Valuation
- **P/E (trailing): 12.0×** (5-yr avg 9.6×, 3-yr avg 10.2×). Cathay General Bancorp trades at 12.0× trailing earnings, well above its own five-year average of 9.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.70**. A PEG of 0.70 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 73.6×**. Each dollar of revenue is priced at 73.6×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.3%** (5-yr avg 12.4%). Free cash flow equals 12.3% of the market value, in line with its five-year average of 12.4%. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Return on equity: 10.8%**. 10.8% on shareholders' equity is solid.
- **Return on assets: 1.4%**. Each dollar of assets produces 1.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 2.9%** (3-yr 8.4%/yr, 5-yr 10.8%/yr). Revenue grew 2.9% over the last year, against 10.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 14.9%** (3-yr -2.0%/yr, 5-yr 9.6%/yr). Earnings per share rose 14.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -7.8%/yr**. Free cash flow has compounded at -7.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.34%** ($1.52 per share, trailing). Cathay General Bancorp yields 2.34%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 30%** (18% of free cash flow). 30% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.9%/yr** (1-yr 0.0%). The dividend has grown 1.9% a year over five years.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover Cathay General Bancorp; the consensus is hold, with an average price target of $67.20 (+3% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 47.3%** (YTD 37.4%, 3-mo 2.6%). The shares are up 47.3% over twelve months including dividends.
- **From 52-week high: -2.0%** (44.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 69**. An RSI of 69 is neutral.
- **Beta (1 yr): 0.56** (volatility 22%). Beta of 0.56 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CATY · Page: https://foliofundamentals.com/stocks/caty

Not investment advice.