NASDAQ
CATY
Last Price
US $63.28
KEY FIGURES
MKT CAP
$4.2B
EPS
TTM
$4.96
PEG
TTM
0.56x
P/E
TTM
12.72x
P/S
TTM
3.00x
YIELD
2.32%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.37%
Return on equity
ROIC: 10.27%
Valuation History
12.7X
Price to Earnings
EV/EBITDA: 9.2X
Cash flow
Profit margin
13.25%
(FY vs FY)
EBITDA Y/Y
9.77%
(FY vs FY)
Cash flow Y/Y
2.97%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $63.28
12.50%
Default assumptions
EBITDA Multiple
Fair Value
Market $63.28
-30.26%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Cathay General Bancorp cash flow to debt ratio of 176.41% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Cathay General Bancorp's free cash flow has increased 11.72% from $325.52M last year to $363.66M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Cathay General Bancorp's debt to equity ratio is 0.05, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Cathay General Bancorp's debt has decreased relative to shareholder equity from 0.08 last year to 0.05 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Cathay General Bancorp has a net debt to EBITDA ratio of 0.15x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Cathay General Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Cathay General Bancorp's profit margin has increased (17.13%) in the last year from 20.56% to 24.09%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Cathay General Bancorp's short-term liabilities of $9.68G exceed its short-term assets of $1.90G, signaling financial risk
Decreasing performance - ROA.
Cathay General Bancorp's return on assets of 1.38% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Cathay General Bancorp's return on equity of 11.37%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Cathay General Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Cathay General Bancorp had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Cathay General Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Cathay General Bancorp has a free cash flow yield of 8.74%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Cathay General Bancorp's yearly earnings has increased 10.19% since last year from $285.98M to $315.12M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Cathay General Bancorp's yearly revenue has decreased -5.85% since last year from $1.39G to $1.31G, signaling decreasing performance
Increasing performance - ROIC.
ROIC 10.27% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Cathay General Bancorp's 3-year revenue CAGR of 15.10% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Cathay General Bancorp had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Cathay General Bancorp had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Cathay General Bancorp is undervalued relative to its fair value price of 71.19 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Cathay General Bancorp has an earnings yield of 7.99%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Cathay General Bancorp is overvalued relative to its fair value price of 44.13 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Cathay General Bancorp has an EV/EBITDA ratio of 9.20x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Cathay General Bancorp has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Cathay General Bancorp has a price-to-book ratio of 1.39x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Cathay General Bancorp has a price-to-sales ratio of 3.01x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue