CATY
Strong BuyPremium GrowerAI neutralCathay General Bancorp · Financial Services · United States · $4.3B cap · $32.8M/day traded
$64.72 +0.7% · close 26 Oct · scored 27 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
Reported 21 Oct: the next-year EPS estimate rose 4.0% across the report (snapshots of 18 Oct and 25 Oct).
As of 27 Oct 2026, MoatMap's StockRank for Cathay General Bancorp (CATY) is 86/100, ranked against 24,000+ stocks in 35 markets (Quality 67, Value 42, Momentum 77, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Cathay General Bancorp is a well-capitalised US bank serving Chinese-American communities, reporting solid quarterly results, paying a steady dividend and running a $150 million buyback. It benefits from higher-for-longer rates but has meaningful commercial real estate lending exposure and no distinctive growth driver.
ABOUT CATHAY GENERAL BANCORP
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Cathay General Bancorp is a commercial bank holding company focused on serving the Chinese-American communities in the United States, offering a full suite of consumer and commercial banking products and services. The bank's competitive moat lies in its deep cultural understanding, specialized lending expertise, and strong relationship-based approach within its niche market. This targeted strategy enables it to build lasting customer loyalty and capture growth opportunities within a specific demographic.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 790.5M | 810.0M | 729.7M | 817.9M | 1.1% | 839.4M | 904.3M | 954.2M | 8.0% |
| EPS | 4.85 | 4.88 | 3.97 | 4.55 | -2.1% | 5.42 | 5.47 | 6.20 | 16.7% |
| Shares | 72.7M | 72.7M | 70.9M | 67.2M | -7.6% | 66.7M | — | — | — |
| Debt | 659.3M | 709.7M | 227.7M | 172.8M | -36.0% | 302.4M | — | — | — |
| Equity | 2.5B | 2.7B | 2.8B | 2.9B | 5.7% | — | — | — | — |
| Op CF | 467.4M | 384.7M | 329.2M | 368.6M | -7.6% | 368.6M | — | — | — |
| Inv CF | -1.8B | -1.5B | 184.0M | -857.3M | — | — | — | — | — |
| Fin CF | 94.7M | 758.7M | -302.5M | 873.6M | — | — | — | — | — |
Above its 200-day average and 1% below its 52-week high.
Calmer than 88% of stocks we rank over the past year (22% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CATY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CATY | Cathay General Bancorp(you) | $4.3B | 86 | Strong Buy |
| FBP | First BanCorp. | $4.1B | 82 | Strong Buy |
| FULT | Fulton Financial Corporation | $4.5B | 81 | Strong Buy |
| CVBF | CVB Financial Corp. | $4.0B | 78 | Buy |
| ASB | Associated Banc-Corp | $5.7B | 82 | Strong Buy |
| TOWN | TowneBank | $3.3B | 79 | Buy |
| NBTB | NBT Bancorp Inc. | $2.7B | 81 | Strong Buy |
| WSFS | WSFS Financial Corporation | $4.1B | 72 | Buy |
| INDB | Independent Bank Corp. | $4.0B | 72 | Buy |
| BUSE | First Busey Corporation | $2.5B | 80 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.