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Cathay General Bancorp (CATY) Financials

Cathay General Bancorp logo
$49.32 +0.31 (+0.63%)
As of 10:00 AM Eastern
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Annual Income Statements for Cathay General Bancorp

Annual Income Statements for Cathay General Bancorp

This table shows Cathay General Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 161 175 176 272 279 229 298 361 354 286
Consolidated Net Income / (Loss)		 161 175 176 272 279 229 298 361 354 286
Net Income / (Loss) Continuing Operations		 161 175 176 272 279 229 298 361 354 286
Total Pre-Tax Income 		221 242 298 338 349 254 382 473 404 318
Total Revenue		 412 451 532 598 620 595 652 791 810 730
Net Interest Income / (Expense)		 380 418 496 566 575 552 598 734 742 674
Total Interest Income		 454 499 576 688 769 701 667 851 1,242 1,335
Loans and Leases Interest Income		 431 476 551 654 731 678 650 803 1,132 1,219
Investment Securities Interest Income		 22 21 21 29 33 21 14 28 52 59
Deposits and Money Market Investments Interest Income		 1.40 1.76 4.42 5.21 5.40 1.83 2.15 20 59 57
Total Interest Expense		 74 81 80 122 194 148 69 118 500 661
Deposits Interest Expense		 52 59 66 107 178 137 62 105 468 636
Short-Term Borrowings Interest Expense		 - 0.00 0.00 0.19 0.40 0.23 0.00 0.86 3.87 2.24
Long-Term Debt Interest Expense		 6.26 6.45 10 14 16 11 6.96 11 29 22
Total Non-Interest Income		 33 33 36 32 45 43 55 57 68 56
Trust Fees by Commissions		 5.55 4.94 4.86 5.61 6.41 6.74 7.10 6.35 6.72 7.75
Other Service Charges		 30 18 19 23 28 20 27 27 22 24
Net Realized & Unrealized Capital Gains on Investments		 -3.35 4.90 6.63 -2.43 5.95 0.55 -0.57 0.39 15 -6.41
Other Non-Interest Income		 - 5.48 5.62 5.08 4.76 15 21 23 24 31
Provision for Credit Losses		 -11 -16 -2.50 -4.50 -7.00 58 -16 15 26 38
Total Non-Interest Expense		 203 225 236 264 277 283 287 303 380 375
Salaries and Employee Benefits		 90 97 109 124 129 124 133 143 154 167
Net Occupancy & Equipment Expense		 35 37 42 45 46 47 47 50 54 60
Marketing Expense		 4.93 5.09 6.20 7.84 7.59 5.22 6.91 6.86 5.89 6.52
Property & Liability Insurance Claims		 9.09 9.71 11 8.00 9.62 9.00 7.13 8.04 24 14
Other Operating Expenses		 64 75 62 77 84 98 89 90 140 126
Amortization Expense		 0.67 0.69 0.93 0.88 0.69 0.69 0.69 1.89 1.31 1.10
Restructuring Charge		 0.00 0.00 4.12 2.11 0.00 0.00 1.43 4.13 0.67 0.00
Income Tax Expense		 60 67 122 66 70 25 84 112 49 32
Basic Earnings per Share		 $2.00 $2.21 $2.19 $3.35 $3.49 $2.88 $3.81 $4.85 $4.88 $3.97
Weighted Average Basic Shares Outstanding		 80.56M 79.15M 80.26M 81.13M 80.00M 79.58M 78.27M 74.34M 72.57M 72.07M
Diluted Earnings per Share		 $1.98 $2.19 $2.17 $3.33 $3.48 $2.87 $3.80 $4.83 $4.86 $3.95
Weighted Average Diluted Shares Outstanding		 81.29M 79.93M 81.00M 81.61M 80.25M 79.78M 78.57M 74.66M 72.86M 72.33M
Weighted Average Basic & Diluted Shares Outstanding		 80.60M 79.62M 80.40M 80.48M 79.65M 79.51M 75.29M 72.56M 72.67M 70.29M
Cash Dividends to Common per Share		 $0.56 $0.75 $0.87 $1.03 $1.24 $1.24 $1.27 $1.36 $1.36 $1.36

Quarterly Income Statements for Cathay General Bancorp

This table shows Cathay General Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 99 98 96 93 82 83 71 67 68 80
Consolidated Net Income / (Loss)		 99 98 96 93 82 83 71 67 68 80
Net Income / (Loss) Continuing Operations		 99 98 96 93 82 83 71 67 68 80
Total Pre-Tax Income 		130 131 115 103 93 93 80 73 78 87
Total Revenue		 207 214 207 205 193 205 175 179 190 186
Net Interest Income / (Expense)		 198 202 192 182 186 182 169 165 169 171
Total Interest Income		 226 264 285 300 323 333 333 333 339 330
Loans and Leases Interest Income		 212 244 261 274 293 303 303 304 311 301
Investment Securities Interest Income		 7.48 10 12 12 13 15 15 16 15 14
Deposits and Money Market Investments Interest Income		 6.73 9.95 12 14 17 16 15 13 14 15
Total Interest Expense		 28 62 93 119 138 151 164 168 170 159
Deposits Interest Expense		 24 57 88 111 128 141 152 163 166 156
Short-Term Borrowings Interest Expense		 0.00 0.86 0.92 0.89 1.09 0.97 0.70 0.78 0.40 0.37
Long-Term Debt Interest Expense		 4.40 3.71 4.04 7.05 8.51 9.05 11 4.18 4.24 2.96
Total Non-Interest Income		 9.88 12 14 23 7.84 23 6.61 13 20 15
Trust Fees by Commissions		 1.61 1.58 1.57 1.66 1.74 1.74 1.72 1.89 2.08 2.06
Other Service Charges		 6.05 6.00 5.09 5.50 5.63 6.16 5.63 5.30 5.91 6.85
Net Realized & Unrealized Capital Gains on Investments		 -3.66 -0.97 1.85 11 -6.22 8.95 -7.92 -1.43 4.25 -1.31
Other Non-Interest Income		 5.87 5.47 5.73 5.28 6.69 6.24 7.19 7.46 8.12 7.87
Provision for Credit Losses		 2.00 1.40 8.10 9.16 7.00 1.72 1.90 6.60 15 15
Total Non-Interest Expense		 75 81 83 93 94 110 93 99 97 85
Salaries and Employee Benefits		 35 35 38 37 39 40 44 40 41 43
Net Occupancy & Equipment Expense		 13 13 14 13 14 14 15 15 15 15
Marketing Expense		 2.01 2.17 0.77 2.42 1.59 1.11 1.91 1.47 1.61 1.52
Property & Liability Insurance Claims		 2.00 2.04 3.16 3.01 3.06 14 6.09 3.74 3.25 1.20
Other Operating Expenses		 23 28 27 15 13 85 26 15 12 72
Amortization Expense		 0.25 1.17 0.25 22 23 -45 0.34 24 24 -47
Income Tax Expense		 31 34 19 9.45 10 10 8.61 5.75 11 6.57
Basic Earnings per Share		 $1.34 $1.32 $1.32 $1.29 $1.14 $1.13 $0.98 $0.92 $0.94 $1.13
Weighted Average Basic Shares Outstanding		 73.96M 74.34M 72.53M 72.54M 72.57M 72.57M 72.67M 72.66M 71.79M 72.07M
Diluted Earnings per Share		 $1.33 $1.33 $1.32 $1.28 $1.13 $1.13 $0.98 $0.92 $0.94 $1.11
Weighted Average Diluted Shares Outstanding		 74.24M 74.66M 72.90M 72.75M 72.89M 72.86M 72.97M 72.83M 72.03M 72.33M
Weighted Average Basic & Diluted Shares Outstanding		 74.41M 72.56M 72.54M 72.56M 72.65M 72.67M 72.81M 72.17M 71.20M 70.29M
Cash Dividends to Common per Share		 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34 $0.34

Annual Cash Flow Statements for Cathay General Bancorp

This table details how cash moves in and out of Cathay General Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 3.30 468 -650 65 -6.51 827 1,029 -1,287 -334 211
Net Cash From Operating Activities		 177 234 249 337 435 320 334 467 385 329
Net Cash From Continuing Operating Activities		 177 234 249 337 435 320 334 467 385 329
Net Income / (Loss) Continuing Operations		 161 175 176 272 279 229 298 361 354 286
Consolidated Net Income / (Loss)		 161 175 176 272 279 229 298 361 354 286
Provision For Loan Losses		 -11 -15 -1.81 -4.50 -6.32 58 -16 15 26 39
Depreciation Expense		 7.57 7.49 7.27 7.31 6.76 7.66 7.96 9.96 8.37 7.18
Amortization Expense		 30 35 7.52 44 52 76 53 54 75 57
Non-Cash Adjustments to Reconcile Net Income		 -27 -15 2.20 16 73 1.69 16 7.50 2.33 14
Changes in Operating Assets and Liabilities, net		 16 47 58 2.21 30 -52 -25 20 -81 -74
Net Cash From Investing Activities		 -1,178 -853 -904 -1,134 -1,382 -242 -860 -1,849 -1,477 184
Net Cash From Continuing Investing Activities		 -1,178 -853 -904 -1,134 -1,382 -242 -860 -1,849 -1,477 184
Purchase of Property, Leasehold Improvements and Equipment		 -3.52 -3.52 -3.19 -6.67 -7.13 -5.78 -3.73 -3.39 -3.40 -3.64
Purchase of Investment Securities		 -2,500 -2,078 -1,621 -1,695 -1,972 -1,097 -1,305 -2,075 -2,025 -1,440
Sale and/or Maturity of Investments		 1,325 1,228 715 568 597 861 449 229 552 1,628
Net Cash From Financing Activities		 1,004 1,087 4.83 863 940 750 1,554 95 759 -302
Net Cash From Continuing Financing Activities		 1,004 1,087 4.83 863 940 750 1,554 95 759 -302
Net Change in Deposits		 1,305 1,166 201 1,012 990 1,417 1,950 -129 820 361
Issuance of Debt		 5,092 3,555 4,898 5,130 4,381 1,450 50 5,480 14,035 6,968
Issuance of Common Equity		 4.18 2.28 2.53 2.82 3.37 9.78 3.56 3.72 3.49 2.93
Repayment of Debt		 -5,242 -3,480 -4,773 -5,053 -4,296 -2,003 -180 -5,015 -13,980 -7,448
Repurchase of Common Equity		 -59 -54 0.00 -43 -36 -24 -167 -141 -17 -85
Payment of Dividends		 -45 -59 -70 -83 -99 -99 -99 -101 -99 -98
Other Financing Activities, Net		 -51 -42 -254 -103 -2.31 -1.91 -2.63 -2.91 -4.49 -3.73
Cash Interest Paid		 73 82 81 117 183 162 75 106 485 662
Cash Income Taxes Paid		 69 39 77 66 62 45 93 97 70 56

Quarterly Cash Flow Statements for Cathay General Bancorp

This table details how cash moves in and out of Cathay General Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 109 -101 -29 349 -319 -334 347 -71 234 -299
Net Cash From Operating Activities		 189 101 121 91 107 66 88 73 81 87
Net Cash From Continuing Operating Activities		 189 101 121 91 107 66 88 73 81 87
Net Income / (Loss) Continuing Operations		 99 98 96 93 82 83 71 67 68 80
Consolidated Net Income / (Loss)		 99 98 96 93 82 83 71 67 68 80
Provision For Loan Losses		 2.00 1.40 8.10 9.16 7.00 1.72 1.90 7.76 15 15
Depreciation Expense		 2.27 3.11 2.05 2.35 2.00 1.97 1.89 1.81 1.77 1.72
Amortization Expense		 15 17 17 22 23 13 8.06 22 20 6.88
Non-Cash Adjustments to Reconcile Net Income		 5.50 2.75 -0.34 -8.38 8.21 2.84 11 1.05 -2.38 4.00
Changes in Operating Assets and Liabilities, net		 65 -20 -1.33 -28 -15 -36 -6.40 -26 -20 -20
Net Cash From Investing Activities		 -561 -201 -128 -618 -141 -590 37 82 145 -81
Net Cash From Continuing Investing Activities		 -561 -201 -128 -618 -141 -590 37 82 145 -81
Purchase of Property, Leasehold Improvements and Equipment		 -0.86 -0.30 -0.30 -0.67 -0.67 -1.77 -0.92 -0.53 -1.21 -0.98
Purchase of Investment Securities		 -610 -284 -233 -692 -394 -706 -477 -127 -403 -433
Sale and/or Maturity of Investments		 50 83 105 75 253 118 515 210 549 353
Net Cash From Financing Activities		 482 -0.99 -22 876 -285 190 222 -226 7.05 -305
Net Cash From Continuing Financing Activities		 482 -0.99 -22 876 -285 190 222 -226 7.05 -305
Net Change in Deposits		 288 -70 144 448 539 -310 521 -73 171 -258
Issuance of Common Equity		 0.92 0.93 0.92 0.92 0.87 0.79 0.74 0.74 0.73 0.72
Repurchase of Common Equity		 -46 -32 -17 0.04 0.01 0.02 0.01 -25 -35 -24
Payment of Dividends		 -25 -25 -25 -25 -25 -25 -25 -25 -24 -24
Other Financing Activities, Net		 -0.85 -0.04 -0.01 -3.51 -0.01 -0.95 -0.02 -3.68 -0.01 -0.00
Cash Interest Paid		 25 53 87 117 133 148 155 168 171 168
Cash Income Taxes Paid		 20 37 0.00 49 12 10 0.28 33 8.16 15

Annual Balance Sheets for Cathay General Bancorp

This table presents Cathay General Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 13,254 14,521 15,640 16,785 18,094 19,043 20,887 21,948 23,082 23,055
Cash and Due from Banks		 180 218 247 225 177 139 134 195 174 157
Interest Bearing Deposits at Other Banks		 537 967 293 375 417 1,282 - 967 655 882
Trading Account Securities		 1,593 1,322 1,370 1,268 1,480 1,060 1,127 1,496 1,645 1,582
Loans and Leases, Net of Allowance		 10,016 11,077 12,744 13,872 14,952 15,475 -136 18,101 19,383 19,204
Loans and Leases		 10,155 11,196 12,867 13,994 15,075 15,642 - 18,247 19,537 19,365
Allowance for Loan and Lease Losses		 139 119 123 122 123 167 136 146 155 162
Customer and Other Receivables		 40 12 13 23 11 14 8.11 2.37 3.26 14
Premises and Equipment, Net		 109 106 103 103 104 103 99 95 91 89
Goodwill		 372 372 372 372 372 372 372 376 376 376
Intangible Assets		 3.68 2.95 8.06 7.19 6.30 5.43 4.63 5.76 4.46 3.34
Other Assets		 403 444 518 540 575 592 302 711 750 748
Total Liabilities & Shareholders' Equity		 13,254 14,521 15,640 16,785 18,094 19,043 2,446 21,948 23,082 23,055
Total Liabilities		 11,506 12,692 13,667 14,663 15,800 16,625 0.00 19,474 20,345 20,209
Non-Interest Bearing Deposits		 2,033 2,478 2,783 2,857 2,871 3,365 - 4,169 3,529 3,284
Interest Bearing Deposits		 8,476 9,197 9,907 10,845 11,821 12,744 - 14,336 15,796 16,402
Bankers Acceptance Outstanding		 40 12 13 23 11 14 - 2.37 3.26 14
Long-Term Debt		 413 487 642 737 818 293 - 627 675 197
Other Long-Term Liabilities		 144 169 222 201 253 209 - 340 341 312
Commitments & Contingencies		 - 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,748 1,829 1,973 2,122 2,294 2,418 2,446 2,474 2,737 2,846
Total Preferred & Common Equity		 1,748 1,829 1,973 2,122 2,294 2,418 2,446 2,474 2,737 2,846
Total Common Equity		 1,748 1,829 1,973 2,122 2,294 2,418 2,446 2,474 2,737 2,846
Common Stock		 882 896 934 943 951 966 973 982 989 995
Retained Earnings		 1,060 1,175 1,282 1,479 1,659 1,789 1,985 2,245 2,500 2,688
Treasury Stock		 -185 -240 -240 -282 -319 -342 -509 -651 -667 -752
Accumulated Other Comprehensive Income / (Loss)		 -8.43 -3.72 -2.51 -18 2.30 5.31 -3.07 -102 -85 -86

Quarterly Balance Sheets for Cathay General Bancorp

This table presents Cathay General Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 21,890 22,032 23,028 22,845 23,405 23,235 23,274
Cash and Due from Banks		 200 252 188 146 165 160 183
Interest Bearing Deposits at Other Banks		 1,063 - 1,294 1,017 1,011 945 1,156
Trading Account Securities		 1,438 1,568 1,525 1,540 1,685 1,680 1,549
Loans and Leases, Net of Allowance		 17,951 -145 18,788 18,860 19,263 19,193 19,210
Loans and Leases		 18,100 - 18,943 19,014 19,418 19,347 19,374
Allowance for Loan and Lease Losses		 149 145 155 155 155 153 164
Customer and Other Receivables		 6.90 6.55 4.36 17 17 16 12
Premises and Equipment, Net		 96 93 92 91 90 89 89
Goodwill		 376 376 376 376 376 376 376
Intangible Assets		 6.95 5.56 4.99 4.73 4.13 3.86 3.59
Other Assets		 752 366 756 793 771 771 696
Total Liabilities & Shareholders' Equity		 21,890 22,032 23,028 22,845 23,405 23,235 23,274
Total Liabilities		 19,471 0.00 20,426 20,206 20,627 20,442 20,444
Non-Interest Bearing Deposits		 4,398 - 3,561 3,623 3,290 3,162 3,254
Interest Bearing Deposits		 14,178 - 15,536 16,012 16,557 16,611 16,690
Bankers Acceptance Outstanding		 6.90 - 4.36 17 17 16 12
Long-Term Debt		 502 - 957 157 402 302 197
Other Long-Term Liabilities		 386 - 368 397 362 351 291
Commitments & Contingencies		 0.00 - 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,420 2,542 2,603 2,639 2,778 2,793 2,830
Total Preferred & Common Equity		 2,420 2,542 2,603 2,639 2,778 2,793 2,830
Total Common Equity		 2,420 2,542 2,603 2,639 2,778 2,793 2,830
Common Stock		 979 984 984 987 990 990 992
Retained Earnings		 2,172 2,316 2,385 2,443 2,547 2,589 2,632
Treasury Stock		 -619 -667 -667 -667 -667 -693 -728
Accumulated Other Comprehensive Income / (Loss)		 -113 -91 -99 -124 -92 -93 -66

Annual Metrics And Ratios for Cathay General Bancorp

This table displays calculated financial ratios and metrics derived from Cathay General Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 7.59% 9.41% 17.90% 12.33% 3.69% -3.99% 9.65% 21.18% 2.47% -9.92%
EBITDA Growth		 12.09% 10.08% 9.87% 24.21% 4.97% -17.39% 31.40% 21.16% -9.25% -21.67%
EBIT Growth		 0.59% 9.55% 23.17% 13.20% 3.46% -27.31% 50.35% 23.75% -14.59% -21.32%
NOPAT Growth		 16.89% 8.68% 0.54% 54.44% 2.67% -18.01% 30.34% 20.90% -1.81% -19.24%
Net Income Growth		 16.89% 8.68% 0.54% 54.44% 2.67% -18.01% 30.34% 20.90% -1.81% -19.24%
EPS Growth		 15.12% 10.61% -0.91% 53.46% 4.50% -17.53% 32.40% 27.11% 0.62% -18.72%
Operating Cash Flow Growth		 17.74% 32.66% 6.17% 35.22% 29.25% -26.44% 4.49% 39.79% -17.68% -14.45%
Free Cash Flow Firm Growth		 -50.69% -67.70% 79.96% 1.37% -100.29% 174,102.65% -2,825.26% 201.51% -99.76% 1,408.91%
Invested Capital Growth		 -2.16% 4.09% 1.86% 5.29% 9.78% -13.61% 670.45% -85.15% 10.02% -10.81%
Revenue Q/Q Growth		 3.27% 2.06% 4.97% 2.26% -1.02% 0.24% 3.82% 5.14% -1.06% -2.51%
EBITDA Q/Q Growth		 4.08% -0.27% 4.43% 10.66% -4.18% 0.36% 3.03% 6.94% -6.33% -5.59%
EBIT Q/Q Growth		 0.74% 2.60% 4.29% 1.56% 0.53% -0.95% 4.76% 7.44% -8.66% -1.93%
NOPAT Q/Q Growth		 3.78% 3.90% -11.14% 16.60% 0.99% 1.56% 1.51% 6.58% -4.08% -0.81%
Net Income Q/Q Growth		 3.78% 3.90% -11.14% 16.60% 0.99% 1.56% 1.51% 6.58% -4.08% -0.81%
EPS Q/Q Growth		 3.13% 4.78% -11.79% 17.25% 1.16% 1.77% 2.43% 7.81% -3.95% -0.50%
Operating Cash Flow Q/Q Growth		 3.91% 5.00% 32.80% -7.70% 3.33% -7.08% 3.06% 1.00% -8.47% 6.82%
Free Cash Flow Firm Q/Q Growth		 -65.12% 115.05% -66.55% -67.15% 99.68% 27.44% -4,398.53% 42,454.67% -91.24% 1,062.86%
Invested Capital Q/Q Growth		 9.19% -10.57% -3.05% 8.15% 3.33% -1.33% 695.50% 6.14% 22.05% 0.51%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 62.77% 63.15% 58.85% 65.07% 65.88% 56.68% 67.92% 67.91% 60.14% 52.30%
EBIT Margin		 53.61% 53.67% 56.07% 56.51% 56.38% 42.69% 58.53% 59.78% 49.82% 43.52%
Profit (Net Income) Margin		 39.06% 38.80% 33.09% 45.50% 45.05% 38.47% 45.73% 45.62% 43.72% 39.19%
Tax Burden Percent		 72.87% 72.30% 59.01% 80.51% 79.90% 90.11% 78.12% 76.32% 87.75% 90.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.13% 27.70% 40.99% 19.49% 20.10% 9.89% 21.88% 23.68% 12.25% 9.94%
Return on Invested Capital (ROIC)		 6.22% 6.70% 6.54% 9.76% 9.31% 7.83% 2.53% 3.01% 10.88% 8.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.22% 6.70% 6.54% 9.76% 9.31% 7.83% 2.53% 3.01% 10.88% 8.86%
Return on Net Nonoperating Assets (RNNOA)		 3.39% 3.09% 2.72% 3.52% 3.33% 1.89% 9.74% 11.65% 2.72% 1.38%
Return on Equity (ROE)		 9.62% 9.79% 9.26% 13.28% 12.64% 9.71% 12.26% 14.66% 13.59% 10.25%
Cash Return on Invested Capital (CROIC)		 8.40% 2.69% 4.70% 4.60% -0.01% 22.43% -151.52% 151.30% 1.33% 20.29%
Operating Return on Assets (OROA)		 1.79% 1.74% 1.98% 2.08% 2.00% 1.37% 1.91% 2.21% 1.79% 1.38%
Return on Assets (ROA)		 1.30% 1.26% 1.17% 1.68% 1.60% 1.23% 1.49% 1.68% 1.57% 1.24%
Return on Common Equity (ROCE)		 9.62% 9.79% 9.26% 13.28% 12.64% 9.71% 12.26% 14.66% 13.59% 10.25%
Return on Equity Simple (ROE_SIMPLE)		 9.22% 9.58% 8.92% 12.81% 12.17% 9.46% 12.19% 14.58% 12.94% 10.05%
Net Operating Profit after Tax (NOPAT)		 161 175 176 272 279 229 298 361 354 286
NOPAT Margin		 39.06% 38.80% 33.09% 45.50% 45.05% 38.47% 45.73% 45.62% 43.72% 39.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 31.38% 30.91% 29.72% 29.59% 29.57% 29.57% 28.69% 25.17% 26.48% 32.02%
Operating Expenses to Revenue		 49.15% 49.79% 44.40% 44.25% 44.75% 47.65% 43.92% 38.38% 46.97% 51.35%
Earnings before Interest and Taxes (EBIT)		 221 242 298 338 349 254 382 473 404 318
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 259 285 313 389 408 337 443 537 487 382
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.29 1.38 1.05 1.12 0.94 1.24 1.14 1.14 1.18
Price to Tangible Book Value (P/TBV)		 1.41 1.62 1.71 1.28 1.35 1.12 1.47 1.34 1.32 1.36
Price to Revenue (P/Rev)		 4.71 5.21 5.13 3.74 4.16 3.83 4.66 3.55 3.84 4.61
Price to Earnings (P/E)		 12.05 13.43 15.51 8.22 9.24 9.95 10.20 7.79 8.79 11.77
Dividend Yield		 2.34% 2.52% 2.57% 3.74% 3.83% 4.34% 3.22% 3.60% 3.18% 2.88%
Earnings Yield		 8.30% 7.45% 6.45% 12.17% 10.82% 10.05% 9.81% 12.84% 11.38% 8.50%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.75 1.08 0.83 0.90 0.42 0.14 0.73 0.87 0.83
Enterprise Value to Revenue (EV/Rev)		 4.94 4.44 5.51 3.97 4.57 1.93 4.46 2.88 3.65 3.46
Enterprise Value to EBITDA (EV/EBITDA)		 7.87 7.03 9.37 6.09 6.93 3.41 6.56 4.23 6.07 6.61
Enterprise Value to EBIT (EV/EBIT)		 9.21 8.27 9.83 7.02 8.10 4.53 7.62 4.81 7.33 7.94
Enterprise Value to NOPAT (EV/NOPAT)		 12.64 11.44 16.66 8.72 10.14 5.02 9.75 6.30 8.35 8.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.52 8.54 11.79 7.04 6.51 3.59 8.70 4.86 7.69 7.66
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.36 28.50 23.19 18.49 0.00 1.75 0.00 0.13 68.15 3.85
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.47 0.46 0.38 0.35 0.37 0.12 0.00 0.25 0.25 0.07
Long-Term Debt to Equity		 0.24 0.27 0.33 0.35 0.36 0.12 0.00 0.25 0.25 0.07
Financial Leverage		 0.55 0.46 0.42 0.36 0.36 0.24 3.85 3.88 0.25 0.16
Leverage Ratio		 7.39 7.77 7.93 7.92 7.90 7.88 8.21 8.71 8.64 8.26
Compound Leverage Factor		 7.39 7.77 7.93 7.92 7.90 7.88 8.21 8.71 8.64 8.26
Debt to Total Capital		 31.74% 31.40% 27.32% 25.77% 26.89% 10.80% 0.00% 20.21% 19.78% 6.47%
Short-Term Debt to Total Capital		 15.62% 13.13% 3.68% 0.00% 0.82% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 16.12% 18.26% 23.63% 25.77% 26.07% 10.80% 0.00% 20.21% 19.78% 6.47%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 68.26% 68.60% 72.68% 74.23% 73.11% 89.20% 100.00% 79.79% 80.22% 93.53%
Debt to EBITDA		 3.14 2.94 2.37 1.89 2.07 0.87 0.00 1.17 1.39 0.52
Net Debt to EBITDA		 0.37 -1.22 0.64 0.35 0.61 -3.35 0.00 -1.00 -0.32 -2.21
Long-Term Debt to EBITDA		 1.59 1.71 2.05 1.89 2.00 0.87 0.00 1.17 1.39 0.52
Debt to NOPAT		 5.04 4.78 4.21 2.71 3.02 1.28 0.00 1.74 1.91 0.69
Net Debt to NOPAT		 0.59 -1.99 1.15 0.50 0.90 -4.93 0.00 -1.49 -0.43 -2.95
Long-Term Debt to NOPAT		 2.56 2.78 3.64 2.71 2.93 1.28 0.00 1.74 1.91 0.69
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 218 70 126 128 -0.38 656 -17,877 18,147 43 655
Operating Cash Flow to CapEx		 6,059.57% 6,676.22% 0.00% 5,045.55% 6,098.12% 5,537.47% 8,967.73% 13,786.34% 11,312.61% 9,052.67%
Free Cash Flow to Firm to Interest Expense		 2.94 0.87 1.57 1.05 0.00 4.42 -260.01 154.33 0.09 0.99
Operating Cash Flow to Interest Expense		 2.39 2.89 3.09 2.76 2.24 2.16 4.86 3.97 0.77 0.50
Operating Cash Flow Less CapEx to Interest Expense		 2.35 2.84 3.12 2.70 2.20 2.12 4.81 3.95 0.76 0.49
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.03
Fixed Asset Turnover		 3.95 4.21 5.10 5.79 5.97 5.74 6.45 8.14 8.72 8.12
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,561 2,665 2,715 2,859 3,138 2,711 20,887 3,101 3,411 3,043
Invested Capital Turnover		 0.16 0.17 0.20 0.21 0.21 0.20 0.06 0.07 0.25 0.23
Increase / (Decrease) in Invested Capital		 -56 105 50 144 280 -427 18,176 -17,786 311 -369
Enterprise Value (EV)		 2,036 2,003 2,933 2,370 2,830 1,150 2,908 2,273 2,958 2,522
Market Capitalization		 1,941 2,351 2,731 2,234 2,580 2,278 3,042 2,808 3,112 3,365
Book Value per Share		 $21.58 $23.18 $24.42 $26.17 $28.78 $30.36 $31.68 $33.25 $37.71 $39.97
Tangible Book Value per Share		 $16.94 $18.42 $19.71 $21.49 $24.04 $25.62 $26.80 $28.12 $32.47 $34.64
Total Capital		 2,561 2,665 2,715 2,859 3,138 2,711 2,446 3,101 3,411 3,043
Total Debt		 813 837 742 737 844 293 0.00 627 675 197
Total Long-Term Debt		 413 487 642 737 818 293 0.00 627 675 197
Net Debt		 96 -348 202 136 250 -1,128 -134 -536 -154 -843
Capital Expenditures (CapEx)		 2.92 3.51 -2.41 6.67 7.13 5.78 3.73 3.39 3.40 3.64
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 813 837 742 737 844 293 18,440 627 675 197
Total Depreciation and Amortization (D&A)		 38 43 15 51 59 83 61 64 84 64
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.00 $2.21 $2.19 $3.35 $3.49 $2.88 $3.81 $4.85 $4.88 $3.97
Adjusted Weighted Average Basic Shares Outstanding		 80.56M 79.15M 80.26M 81.13M 80.00M 79.58M 78.27M 74.34M 72.57M 72.07M
Adjusted Diluted Earnings per Share		 $1.98 $2.19 $2.17 $3.33 $3.48 $2.87 $3.80 $4.83 $4.86 $3.95
Adjusted Weighted Average Diluted Shares Outstanding		 81.29M 79.93M 81.00M 81.61M 80.25M 79.78M 78.57M 74.66M 72.86M 72.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 79.60M 79.62M 81.12M 80.48M 79.65M 79.51M 75.29M 72.56M 72.67M 70.29M
Normalized Net Operating Profit after Tax (NOPAT)		 161 175 178 274 279 229 300 364 355 286
Normalized NOPAT Margin		 39.06% 38.80% 33.55% 45.78% 45.05% 38.47% 45.99% 46.02% 43.79% 39.19%
Pre Tax Income Margin		 53.61% 53.67% 56.07% 56.51% 56.38% 42.69% 58.53% 59.78% 49.82% 43.52%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.99 2.98 3.71 2.77 1.80 1.71 5.55 4.02 0.81 0.48
NOPAT to Interest Expense		 2.18 2.16 2.19 2.23 1.44 1.54 4.34 3.07 0.71 0.43
EBIT Less CapEx to Interest Expense		 2.95 2.94 3.74 2.71 1.76 1.67 5.50 3.99 0.80 0.48
NOPAT Less CapEx to Interest Expense		 2.14 2.11 2.22 2.17 1.40 1.50 4.28 3.04 0.70 0.43
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 28.11% 33.85% 39.70% 30.69% 35.51% 43.12% 33.30% 27.99% 27.85% 34.26%
Augmented Payout Ratio		 64.98% 64.94% 39.70% 46.37% 48.52% 53.43% 89.31% 67.18% 32.56% 63.88%

Quarterly Metrics And Ratios for Cathay General Bancorp

This table displays calculated financial ratios and metrics derived from Cathay General Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 25.93% 22.05% 15.19% 7.83% -6.72% -4.05% -15.24% -12.76% -2.05% -9.14%
EBITDA Growth		 44.05% 29.98% 19.31% 1.03% -20.31% -28.33% -32.90% -24.58% -14.70% -11.87%
EBIT Growth		 45.38% 33.20% 17.65% -9.27% -28.85% -29.14% -30.63% -29.31% -15.51% -6.72%
NOPAT Growth		 36.79% 29.57% 27.96% 4.77% -16.83% -15.45% -25.59% -28.31% -18.04% -2.82%
Net Income Growth		 36.79% 29.57% 27.96% 4.77% -16.83% -15.45% -25.59% -28.31% -18.04% -2.82%
EPS Growth		 43.01% 35.71% 33.33% 8.47% -15.04% -15.04% -25.76% -28.13% -16.81% -1.77%
Operating Cash Flow Growth		 164.88% 4.78% 40.15% -0.34% -43.20% -35.09% -27.23% -19.59% -24.13% 31.92%
Free Cash Flow Firm Growth		 -201.17% 198.80% -11,395.83% -2,333.31% 205.99% -101.28% 197.79% 166.52% -178.89% 296.81%
Invested Capital Growth		 11.26% -85.15% 752.46% 33.41% -4.32% 10.02% -85.57% -13.04% 8.30% -10.81%
Revenue Q/Q Growth		 9.29% 3.13% -3.38% -0.99% -5.46% 6.08% -14.64% 1.91% 6.16% -1.60%
EBITDA Q/Q Growth		 16.72% 2.50% -4.96% -4.95% -7.93% -7.82% -23.69% 6.84% 4.13% -4.76%
EBIT Q/Q Growth		 14.90% 0.97% -12.10% -11.03% -9.90% 0.56% -13.95% -9.33% 7.68% 11.02%
NOPAT Q/Q Growth		 11.30% -1.45% -1.63% -2.90% -11.64% 0.19% -13.44% -6.45% 1.03% 18.79%
Net Income Q/Q Growth		 11.30% -1.45% -1.63% -2.90% -11.64% 0.19% -13.44% -6.45% 1.03% 18.79%
EPS Q/Q Growth		 12.71% 0.00% -0.75% -3.03% -11.72% 0.00% -13.27% -6.12% 2.17% 18.09%
Operating Cash Flow Q/Q Growth		 107.18% -46.21% 19.46% -25.16% 18.09% -38.54% 33.97% -17.30% 11.43% 6.86%
Free Cash Flow Firm Q/Q Growth		 -650.44% 9,192.39% -208.21% 95.88% 126.12% -209.46% 8,392.55% -97.19% -130.98% 373.07%
Invested Capital Q/Q Growth		 9.50% 6.14% 610.52% -83.84% -21.47% 22.05% -6.79% -2.66% -2.20% 0.51%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 71.02% 70.58% 64.89% 62.30% 60.67% 52.72% 51.37% 53.86% 52.83% 51.14%
EBIT Margin		 62.69% 61.37% 55.83% 50.17% 47.81% 45.32% 45.69% 40.65% 41.24% 46.53%
Profit (Net Income) Margin		 47.75% 45.63% 46.45% 45.55% 42.57% 40.21% 40.78% 37.43% 35.62% 43.01%
Tax Burden Percent		 76.17% 74.35% 83.20% 90.80% 89.05% 88.72% 89.24% 92.08% 86.39% 92.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.83% 25.65% 16.80% 9.20% 10.95% 11.28% 10.76% 7.92% 13.61% 7.57%
Return on Invested Capital (ROIC)		 12.94% 3.01% 3.09% 12.18% 12.19% 10.00% 2.52% 8.47% 9.16% 9.72%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.94% 3.01% 3.09% 12.18% 12.19% 10.00% 2.52% 8.47% 9.16% 9.72%
Return on Net Nonoperating Assets (RNNOA)		 1.76% 11.65% 12.22% 2.89% 1.59% 2.50% 9.42% 1.97% 0.59% 1.52%
Return on Equity (ROE)		 14.71% 14.66% 15.30% 15.07% 13.78% 12.50% 11.93% 10.44% 9.75% 11.24%
Cash Return on Invested Capital (CROIC)		 1.54% 151.30% -154.90% -16.23% 17.33% 1.33% 152.16% 23.06% 1.93% 20.29%
Operating Return on Assets (OROA)		 2.26% 2.27% 2.13% 1.89% 1.75% 1.63% 1.57% 1.32% 1.34% 1.47%
Return on Assets (ROA)		 1.72% 1.68% 1.77% 1.71% 1.56% 1.45% 1.40% 1.22% 1.16% 1.36%
Return on Common Equity (ROCE)		 14.71% 14.66% 15.30% 15.07% 13.78% 12.50% 11.93% 10.44% 9.75% 11.24%
Return on Equity Simple (ROE_SIMPLE)		 13.98% 0.00% 15.01% 14.83% 13.99% 0.00% 11.86% 10.85% 10.19% 0.00%
Net Operating Profit after Tax (NOPAT)		 99 98 96 93 82 83 71 67 68 80
NOPAT Margin		 47.75% 45.63% 46.45% 45.55% 42.57% 40.21% 40.78% 37.43% 35.62% 43.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 23.94% 23.44% 25.41% 25.85% 28.02% 26.75% 34.50% 31.83% 30.34% 31.60%
Operating Expenses to Revenue		 36.35% 37.97% 40.25% 45.36% 48.57% 53.84% 53.22% 55.65% 51.11% 45.70%
Earnings before Interest and Taxes (EBIT)		 130 131 115 103 93 93 80 73 78 87
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 147 151 134 127 117 108 90 96 100 95
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.14 0.94 0.86 0.92 1.14 0.98 0.98 1.10 1.18
Price to Tangible Book Value (P/TBV)		 1.32 1.34 1.10 1.01 1.08 1.32 1.14 1.14 1.26 1.36
Price to Revenue (P/Rev)		 3.57 3.55 2.92 2.70 2.97 3.84 3.50 3.65 4.14 4.61
Price to Earnings (P/E)		 7.94 7.79 6.25 5.83 6.59 8.79 8.26 9.06 10.75 11.77
Dividend Yield		 3.77% 3.60% 4.14% 4.39% 4.05% 3.18% 3.63% 3.61% 3.17% 2.88%
Earnings Yield		 12.59% 12.84% 15.99% 17.15% 15.16% 11.38% 12.10% 11.04% 9.30% 8.50%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.73 0.10 0.48 0.51 0.87 0.61 0.63 0.65 0.83
Enterprise Value to Revenue (EV/Rev)		 2.56 2.88 2.61 2.07 1.74 3.65 2.50 2.58 2.62 3.46
Enterprise Value to EBITDA (EV/EBITDA)		 3.84 4.23 3.89 3.13 2.75 6.07 4.30 4.61 4.84 6.61
Enterprise Value to EBIT (EV/EBIT)		 4.38 4.81 4.36 3.60 3.23 7.33 5.29 5.75 6.05 7.94
Enterprise Value to NOPAT (EV/NOPAT)		 5.69 6.30 5.59 4.47 3.87 8.35 5.91 6.41 6.79 8.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.16 4.86 4.25 3.44 3.40 7.69 5.54 5.82 6.35 7.66
Enterprise Value to Free Cash Flow (EV/FCFF)		 45.17 0.13 0.00 0.00 2.88 68.15 0.10 2.53 34.76 3.85
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.21 0.25 0.00 0.37 0.06 0.25 0.14 0.11 0.07 0.07
Long-Term Debt to Equity		 0.21 0.25 0.00 0.37 0.06 0.25 0.14 0.11 0.07 0.07
Financial Leverage		 0.14 3.88 3.96 0.24 0.13 0.25 3.74 0.23 0.06 0.16
Leverage Ratio		 8.55 8.71 8.64 8.79 8.84 8.64 8.54 8.57 8.43 8.26
Compound Leverage Factor		 8.55 8.71 8.64 8.79 8.84 8.64 8.54 8.57 8.43 8.26
Debt to Total Capital		 17.18% 20.21% 0.00% 26.88% 5.60% 19.78% 12.63% 9.76% 6.50% 6.47%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.18% 20.21% 0.00% 26.88% 5.60% 19.78% 12.63% 9.76% 6.50% 6.47%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.82% 79.79% 100.00% 73.12% 94.40% 80.22% 87.37% 90.24% 93.50% 93.53%
Debt to EBITDA		 1.00 1.17 0.00 1.74 0.30 1.39 0.89 0.72 0.49 0.52
Net Debt to EBITDA		 -1.52 -1.00 0.00 -0.96 -1.94 -0.32 -1.71 -1.91 -2.82 -2.21
Long-Term Debt to EBITDA		 1.00 1.17 0.00 1.74 0.30 1.39 0.89 0.72 0.49 0.52
Debt to NOPAT		 1.48 1.74 0.00 2.48 0.42 1.91 1.22 1.00 0.68 0.69
Net Debt to NOPAT		 -2.25 -1.49 0.00 -1.36 -2.73 -0.43 -2.35 -2.65 -3.96 -2.95
Long-Term Debt to NOPAT		 1.48 1.74 0.00 2.48 0.42 1.91 1.22 1.00 0.68 0.69
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -197 17,884 -19,351 -798 208 -228 18,923 531 -164 449
Operating Cash Flow to CapEx		 21,818.52% 34,140.40% 41,073.22% 13,595.35% 15,958.57% 3,722.45% 9,625.55% 13,680.49% 6,742.57% 8,841.14%
Free Cash Flow to Firm to Interest Expense		 -6.90 288.57 -208.19 -6.73 1.51 -1.51 115.34 3.17 -0.97 2.83
Operating Cash Flow to Interest Expense		 6.62 1.64 1.30 0.76 0.78 0.44 0.54 0.44 0.48 0.55
Operating Cash Flow Less CapEx to Interest Expense		 6.59 1.63 1.30 0.76 0.77 0.42 0.53 0.43 0.47 0.54
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 7.64 8.14 8.52 8.78 8.74 8.72 8.48 8.29 8.31 8.12
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,921 3,101 22,032 3,559 2,795 3,411 3,180 3,095 3,027 3,043
Invested Capital Turnover		 0.27 0.07 0.07 0.27 0.29 0.25 0.06 0.23 0.26 0.23
Increase / (Decrease) in Invested Capital		 296 -17,786 19,447 891 -126 311 -18,852 -464 232 -369
Enterprise Value (EV)		 1,926 2,273 2,134 1,724 1,428 2,958 1,949 1,943 1,958 2,522
Market Capitalization		 2,688 2,808 2,386 2,250 2,435 3,112 2,723 2,747 3,100 3,365
Book Value per Share		 $32.49 $33.25 $35.04 $35.88 $36.36 $37.71 $38.23 $38.36 $39.22 $39.97
Tangible Book Value per Share		 $27.35 $28.12 $29.78 $30.63 $31.12 $32.47 $33.00 $33.15 $33.96 $34.64
Total Capital		 2,921 3,101 2,542 3,559 2,795 3,411 3,180 3,095 3,027 3,043
Total Debt		 502 627 0.00 957 157 675 402 302 197 197
Total Long-Term Debt		 502 627 0.00 957 157 675 402 302 197 197
Net Debt		 -762 -536 -252 -526 -1,006 -154 -774 -803 -1,142 -843
Capital Expenditures (CapEx)		 0.86 0.30 0.30 0.67 0.67 1.77 0.92 0.53 1.21 0.98
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 502 627 19,489 957 157 675 402 302 197 197
Total Depreciation and Amortization (D&A)		 17 20 19 25 25 15 9.95 24 22 8.60
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.35 $1.32 $1.32 $1.29 $1.14 $1.13 $0.98 $0.92 $0.94 $1.13
Adjusted Weighted Average Basic Shares Outstanding		 73.16M 74.34M 72.53M 72.54M 72.57M 72.57M 72.67M 72.66M 71.79M 72.07M
Adjusted Diluted Earnings per Share		 $1.35 $1.33 $1.32 $1.28 $1.13 $1.13 $0.98 $0.92 $0.94 $1.11
Adjusted Weighted Average Diluted Shares Outstanding		 73.44M 74.66M 72.90M 72.75M 72.89M 72.86M 72.97M 72.83M 72.03M 72.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 74.41M 72.56M 72.54M 72.56M 72.65M 72.67M 72.81M 72.17M 71.20M 70.29M
Normalized Net Operating Profit after Tax (NOPAT)		 99 98 96 93 82 83 71 67 68 80
Normalized NOPAT Margin		 47.77% 45.64% 46.45% 45.55% 42.57% 40.21% 40.78% 37.43% 35.62% 43.01%
Pre Tax Income Margin		 62.69% 61.37% 55.83% 50.17% 47.81% 45.32% 45.69% 40.65% 41.24% 46.53%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.56 2.12 1.24 0.87 0.67 0.62 0.49 0.43 0.46 0.55
NOPAT to Interest Expense		 3.48 1.57 1.03 0.79 0.60 0.55 0.44 0.40 0.40 0.50
EBIT Less CapEx to Interest Expense		 4.53 2.11 1.24 0.86 0.67 0.60 0.48 0.43 0.45 0.54
NOPAT Less CapEx to Interest Expense		 3.45 1.57 1.03 0.78 0.59 0.53 0.43 0.40 0.39 0.50
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 30.17% 27.99% 26.22% 25.70% 26.76% 27.85% 29.96% 32.60% 34.17% 34.26%
Augmented Payout Ratio		 82.25% 67.18% 59.01% 50.20% 39.82% 32.56% 29.94% 40.94% 55.18% 63.88%

Financials Breakdown Chart

Key Financial Trends

Cathay General Bancorp (NASDAQ: CATY) has demonstrated solid financial performance over the last four years, showing growth in key profitability metrics, stable asset growth, and active management of liabilities and equity. Here's a summary of the important trends and financial highlights based on the available quarterly financial data:

  • Net Interest Income Growth: Net interest income has remained strong each quarter, around $165 to $185 million quarterly in 2024, supported by steady loans and leases interest income around $300 million each quarter, reflecting healthy core banking operations.
  • Consistent Profitability: Quarterly net income to common shareholders ranged from approximately $66 million to $80 million in 2024, showing stable earnings with Q4 2024 net income at about $80.2 million, indicating ongoing profitability improvement.
  • Sustained Earnings Per Share (EPS): Diluted EPS steadily increased during 2024, from $0.92 in Q2 to $1.11 in Q4, suggesting controlled share dilution and earnings growth per share for shareholders.
  • Strong Operating Cash Flow: Cathay generated positive and increasing net cash from operating activities ($88.2M in Q4 2024), highlighting good cash conversion from net income and operating assets/liabilities management.
  • Controlled Credit Loss Provisions: Provision for credit losses remained stable at $14.5 million in Q4 2024, consistent with prior quarters, signaling manageable credit risk and stable loan portfolio quality.
  • Dividend Stability: The company maintained quarterly cash dividends at $0.34 per share consistently through 2023 and 2024, demonstrating commitment to returning value to shareholders.
  • Investment Securities Trends: Interest income from investments ranged approximately $13.5M to $15.6M quarterly in 2024, with occasional unrealized capital losses (e.g. Q4 2024 net realized & unrealized capital losses of -$1.3M), reflecting sensitivity to market fluctuations.
  • Active Asset and Liability Management: Total assets have slightly increased, with loans and leases net of allowance consistently above $19 billion through 2024 Q3, while deposits remain strong with some quarterly fluctuations in deposits and borrowings.
  • Non-Interest Expense Pressures: Non-interest expenses were significant, totaling $85.2 million in Q4 2024 and including large amortization adjustments. Some quarters show large reversals in amortization expense (negative amortization expense in Q4 2024), which can distort expense trends and indicate changing asset valuations or accounting treatments.
  • Net Cash Used in Financing Activities in Q4 2024: The company experienced substantial net cash outflows from financing activities (-$305 million), notably due to repurchases and dividend payments which may reduce liquidity if persistent.

Summary: Cathay General Bancorp’s financials illustrate a stable and profitable bank with consistent earnings growth, a strong balance sheet, and good cash flow from operations. The company maintains solid interest income from loans, controls credit losses effectively, and supports dividends for shareholders. Some caution is warranted on elevated non-interest expenses related to amortizations and net cash outflows in financing, but no immediate red flags appear in the core operating performance. Investors may view CATY as a steady performer in the regional banking sector with potential for modest growth and income stability.

10/10/25 10:00 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Cathay General Bancorp's Financials

When does Cathay General Bancorp's financial year end?

According to the most recent income statement we have on file, Cathay General Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Cathay General Bancorp's net income changed over the last 9 years?

Cathay General Bancorp's net income appears to be on an upward trend, with a most recent value of $285.98 million in 2024, rising from $161.11 million in 2015. The previous period was $354.12 million in 2023. See where experts think Cathay General Bancorp is headed by visiting Cathay General Bancorp's forecast page.

How has Cathay General Bancorp's revenue changed over the last 9 years?

Over the last 9 years, Cathay General Bancorp's total revenue changed from $412.42 million in 2015 to $729.72 million in 2024, a change of 76.9%.

How much debt does Cathay General Bancorp have?

Cathay General Bancorp's total liabilities were at $20.21 billion at the end of 2024, a 0.7% decrease from 2023, and a 75.6% increase since 2015.

How much cash does Cathay General Bancorp have?

In the past 9 years, Cathay General Bancorp's cash and equivalents has ranged from $134.14 million in 2021 to $247.06 million in 2017, and is currently $157.17 million as of their latest financial filing in 2024.

How has Cathay General Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Cathay General Bancorp's book value per share changed from 21.58 in 2015 to 39.97 in 2024, a change of 85.2%.


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This page (NASDAQ:CATY) was last updated on 10/10/2025 by MarketBeat.com Staff
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