Cathay General Bancorp (CATY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Cathay General Bancorp stock $43.51, price $64.22, that is 32.2% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Cathay General Bancorp
CATY · USOur calculation puts a fair price 32% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $25.08 – $65.98 · fair‑value band $38.95 – $56.93 · the $64.22 price screens above the $43.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United States.
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It offers savings accounts, checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and public funds deposits, and acceptance of checking, savings, demand deposits, time deposits, real estate, and consumer loans.
The company also provides loan products, such as commercial real estate loans, commercial loans, small business administration loans, residential mortgage loans, real estate construction loans, and home equity lines of credit, and installment loans to individuals for household and other consumer expenditures.
In addition, it offers trade financing, letter of credit, wire transfer, foreign currency spot and forward contract, safe deposit, overdraft, cash checking, automatic teller machine, Internet banking, investment, and other customary bank services, as well as investment products and services, such as stocks, bonds, mutual funds, insurance, annuities, and advisory services.
The company was formerly known as Cathay Bancorp, Inc. and changed its name to Cathay General Bancorp in November 2003. Cathay General Bancorp was founded in 1962 and is headquartered in Los Angeles, California.
Stock analysis
Cathay General Bancorp (CATY) currently trades at $64.22, while our model-based Fair Value estimate is $43.51, 32% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $57.43 per share, and 0 of the 6 models we run sit above the $64.22 price.
Bear case: the Dividend Discount group reads lowest at $23.11, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $38.95 (bear) to $56.93 (bull), the price of $64.22 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cathay General Bancorp reported revenue of $1.4B in FY2025 versus $721M in FY2021, a compound +17.7%/yr. Reported net income was $315M in FY2025, compounding +1.4%/yr from FY2021.
Key figures
Market cap $4.3B Mid · P/E ratio 11.8 · P/S ratio 5.44 · EPS (TTM) $5.42 · Dividend yield 2.3% · Net margin 43.7% · Return on equity 11.7% · Return on assets (EBIT) 1.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, CATY screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 4 officers or directors sold shares worth $4.1M and none bought.
- SaleAlbert SunEVP, Chief Credit Officer960 shares at $64.95$62,352Oct 26, 2026
- SaleRichard SunDirector4× since Jul 29, 2026: 35,000 shares, avg. $63.10$2.2MSep 2, 2026
- SaleThomas M. LoEVP, Chief Admin Officer2× since Jan 29, 2026: 2,600 shares, avg. $57.76$150,182Aug 25, 2026
- SaleAnthony M TangVice Chairman, Director3× since Dec 2, 2025: 40,000 shares, avg. $56.41$2.3MJun 9, 2026
- SalePeter WuVice Chairman, Director20,000 shares at $57.33$1.1MMay 5, 2026
- SaleMay K. ChanSVP, General Counsel558 shares at $56.00$31,258Apr 28, 2026
- SaleChang LiuPresident & CEO, Director4,836 shares at $50.35$243,493Apr 6, 202610b5-1 plan
- SaleFelix S FernandezDirector8,972 shares at $50.54$453,445Jan 29, 2026
- SaleDunson K ChengExecutive Chairman, Director2× since Nov 19, 2025: 32,590 shares, avg. $47.08$1.5MNov 24, 2025
Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CATY screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →
Earlier news
- Why Did Cathay General Bancorp (CATY) Shares Climb After Its Latest Update?
- Cathay General Bancorp (CATY) Stock Looks Fully Priced As Q3 Earnings Improve
- Why is Cathay General Bancorp (CATY) stock soaring today
- Cathay General Bancorp (CATY) Stock Jumps On Q3 Earnings Margin Strength
Compare Cathay General Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Dividend yield by industry
- EV/EBITDA by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CATY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CATY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CATY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CATY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CATY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CATY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CATY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CATY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CATY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CATY |
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Frequently asked questions
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Key figures of Cathay General Bancorp
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