Cathay General Bancorp (CATY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Cathay General Bancorp stock (CATY) is currently trading at $49.50. Cathay General Bancorp PE ratio is 10.79. Cathay General Bancorp PS ratio (Price-to-Sales) is 4.47. Analyst consensus price target for CATY is $53.80. WallStSmart rates CATY as Moderate Buy.
- CATY PE ratio analysis and historical PE chart
- CATY PS ratio (Price-to-Sales) history and trend
- CATY intrinsic value — DCF, Graham Number, EPV models
- CATY stock price prediction 2025 2026 2027 2028 2029 2030
- CATY fair value vs current price
- CATY insider transactions and insider buying
- Is CATY undervalued or overvalued?
- Cathay General Bancorp financial analysis — revenue, earnings, cash flow
- CATY Piotroski F-Score and Altman Z-Score
- CATY analyst price target and Smart Rating
Cathay General Bancorp
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CATY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Cathay General Bancorp (CATY)
CATY trades at a significant discount to its Graham intrinsic value of $168.89, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Cathay General Bancorp (CATY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Cathay General Bancorp (CATY) Key Strengths (6)
Keeps $62 of every $100 in revenue after operating costs
Keeps $42 of every $100 in revenue as net profit
75.83% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.09x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Cathay General Bancorp (CATY) Areas to Watch (4)
Premium valuation at 4.5x annual revenue
Moderate profitability with room for improvement
Solid revenue growth at 19.60% per year
Solid earnings growth at 19.00%
Cathay General Bancorp (CATY) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.33), Price/Book (1.09) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 61.80%, Profit Margin at 42.30%.
The Bear Case
The primary concerns are Price/Sales, Return on Equity, Revenue Growth. Some valuation metrics including Price/Sales (4.47) suggest expensive pricing. Growth concerns include Revenue Growth at 19.60%, EPS Growth at 19.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CATY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CATY's Price-to-Sales ratio of 4.47x trades at a 30% premium to its historical average of 3.44x (74th percentile). The current valuation is 35% below its historical high of 6.89x set in Apr 2006, and 432% above its historical low of 0.84x in Dec 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Cathay General Bancorp (CATY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Cathay General Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 745M with 20% growth year-over-year. Profit margins are strong at 42.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 42.3% and operating margin of 61.8% demonstrate strong pricing power and operational efficiency.
Generating 48M in free cash flow and 55M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Cathay General Bancorp.
Bottom Line
Cathay General Bancorp offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Cathay General Bancorp(CATY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Cathay General Bancorp is the holding company of Cathay Bank offering various commercial banking products and services to individuals, professionals, and small and medium-sized businesses in the United States. The company is headquartered in Los Angeles, California.