CATY · Cathay General Bancorp
$62.51
-1.69 (-2.63%)
At close · Aug 19
Market Cap
$4.28B
Shares
66.71M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$62.51
Open$64.24
Day$62.36–64.24
52W close$45.17–64.93
Avg vol 30d468K
Short int2.3M · 3.4% float · 3.9d
Short vol71%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+0%
above
RSI (14)
45
neutral
MACD trend
Negative
52-week position
88%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+19%
trailing
YTD return
+29%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $62 › 200d $54 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +48 funds added
Insider flow
Distributing
Net -$3.8M over 90 days · 100% sells
Short interest
Falling
3.40% of float · ▼ -15.0% MoM · 3.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
304 holders — near 3-yr high, broad support
Squeeze score
45
elevated · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$363.7M
Valuation
P/E 12.5
below peers
Buyback
$350.0M
authorized
Balance sheet
$481.2M
net cash
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Loan growth
· full-year
3.5% – 4.5%
Deposit growth
· full-year
4% – 5%
Adjusted noninterest expense
· full-year
Non-GAAP
3.5% – 4.5%
NIM
· full-year
3.4% – 3.5%
Effective tax rate
· full-year
21%
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
2025 loan growth
· 2025
3% – 4%
Effective tax rate
· 2025
18.5% – 19%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
88%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $62 › 200d $54 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +48 funds added
Insider flow
Distributing
Net -$3.8M over 90 days · 100% sells
Short interest
Falling
3.40% of float · ▼ -15.0% MoM · 3.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
304 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $45
Now $63 · 88%
Range high $65
vs 200-day avg +15%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted efficiency ratio non-GAAP | 37% | Three months ended June 30, 2026 | — |
| Adjusted non-interest expense non-GAAP | $81.89M | Three months ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Non-interest expense $92.32M
-$9.75M Amortization of investments in low income housing
-$125K Amortization of investments in alternative energy partnerships
-$339K Other real estate owned
-$217K Amortization of core deposit intangible
+$0K FDIC special assessment
= Adjusted non-interest expense $81.89M
|
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| Adjusted non-interest income non-GAAP | $20.31M | Three months ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Non-interest income $21.41M
-$11.65M Net gains/(losses) from equity securities
+$0K Impairment loss on investment securities
+$10.55M Net loss on sale of investment securities
= Adjusted non-interest income $20.31M
|
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| Adjusted total revenue non-GAAP | $221.2M | Three months ended June 30, 2026 | — |
| Allowance for loan losses to non-performing loans, at period-end | 195.97% | June 30, 2026 | — |
| Average tangible stockholders' equity non-GAAP | $2.65B | Three months ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Average stockholders' equity $3.03B
-$378.07M Less: Average goodwill and other intangible assets, net
= Average tangible stockholders' equity $2.65B
|
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| Book value per share | $45.59 | As of June 30, 2026 | — |
| Common equity to assets ratio | 12.36% | As of June 30, 2026 | — |
| Dividend payout ratio | 27.59% | Q2 2026 | — |
| Efficiency ratio | 41.5% | Three months ended June 30, 2026 | +0.3% |
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| Net interest margin | 3.45% | Three months ended June 30, 2026 | +2.7% |
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| Net interest spread | 2.74% | Three months ended June 30, 2026 | — |
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| Number of common shares outstanding | 66,825,367 | As of June 30, 2026 | — |
| Return on average assets | 1.52% | Q2 2026 | — |
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| Return on average stockholders' equity | 12.21% | Three months ended June 30, 2026 | -0.5% |
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| Return on average tangible common equity non-GAAP | 13.98% | Three months ended June 30, 2026 | — |
| Tangible assets non-GAAP | $24.27B | As of June 30, 2026 | — |
| Tangible book value non-GAAP | $2.67B | As of June 30, 2026 | — |
| Tangible book value per share non-GAAP | $39.93 | As of June 30, 2026 | — |
| Tangible common equity ratio non-GAAP | 10.99% | As of June 30, 2026 | — |
| Tangible net income non-GAAP | $92.41M | Three months ended June 30, 2026 | — |
| Tier 1 leverage capital ratio | 11.28% | Q2 2026 | — |
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| Tier 1 risk-based capital ratio | 13.7% | Q2 2026 | — |
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| Total loans, excluding loans held for sale | $20.62B | Q2 2026 | — |
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| Total risk-based capital ratio | 15.47% | Q2 2026 | — |
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| Allowance for loan losses | 208.8M | Q1 2026 | — |
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| Total deposits | 20.89B | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CATY
this stock
Cathay General Bancorp
|
$4.28B | +29.2% | +2.9% | 12.5 | 3.4% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CATY | -3.0% | +1.9% | +19.3% | -1.1% | +29.2% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.6% | -1.0% | +7.7% | -4.0% | +16.4% |
Capital returns
Latest dividend
$0.38
/ share · ex May 28, 2026
Declared · upcoming
$0.38
/ share · ex Aug 28, 2026
Paid (TTM)
$1.44
/ share · 4 payouts
Dividend yield (TTM, derived)
2.30%
Buyback programs
· 2 active
· as of Jul 16, 2026
Authorized (total)
$350.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
861842
CUSIP
149150104
13F (30d)
276 filings
272 filers
Visit website
Investor relations