Cathay General Bancorp (CATY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$62.69+0.18%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CATY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks CATY against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 3 guided quarters · 6.2% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue executing the share repurchase program, increasing authorization from $150M to $200M, subject to regulatory approval.
Stated as a priority in 3 of last 3 quarters. The Board approved increasing the share repurchase authorization from $150M to $200M in 2026-Q2, pending regulatory approval. The company completed the initial $150M program by 2026-Q1 and repurchased $50.1M shares in 2025-Q3. The trajectory is delivering with ongoing execution and expanded authorization.
“Board approved increase to share repurchase authorization from $150M to $200M, pending regulatory approval.”
“Completed $150M share repurchase program and Board approved additional $150M buyback program, subject to regulatory approval.”
“During the third quarter, we repurchased 1,070,000 common shares for a total of $50.1 million.”
Maintain disciplined loan growth focusing on credit quality rather than chasing volume amid geopolitical uncertainty.
Stated as a priority in 2 of last 2 quarters. Management emphasized prioritizing credit quality over loan volume in 2026-Q1 and 2026-Q2. Loan growth was moderate, increasing 2.21% from $20.17B to $20.62B, reflecting disciplined growth. The trajectory matches management's stated focus on credit quality.
Sustain growth in operating income through net interest margin expansion and disciplined execution.
Stated as a priority in 3 of last 3 quarters. Operating income increased from $109.95M in 2026-Q1 to $118.75M in 2026-Q2, supported by net interest margin expansion from 3.43% to 3.48%. Management consistently emphasized disciplined execution and margin growth. The trajectory is delivering with steady operating income growth.
Continue executing the share repurchase program with an additional $150M buyback pending regulatory approval.
Over the trailing year it converted 1.13x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates (low R² over the window).
7 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“Focus on maintaining strong credit quality and prudently managing the balance sheet.”
“Prioritize credit quality and deepen customer relationships rather than chase volume amid geopolitical uncertainty.”
“Higher earnings driven by net interest margin expansion and disciplined execution.”
“Net interest margin increased to 3.43% during the first quarter from 3.36% in the fourth quarter of 2025.”
“Net interest margin increased to 3.31% during the third quarter from 3.27% in the second quarter of 2025.”