Cathay General Bancorp stock analysis
Cathay General Bancorp (CN7) Stock Price & Analysis
CN7 Stock Chart & Stats
- Day’s Range
- EUR 58.50 - EUR 58.50
- 52-Week Range
- EUR 38.20 - EUR 58.50
- Previous Close
- EUR 58.50
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 3.90B
- Enterprise Value
- EUR 4.14B
- Total Cash (Recent Filing)
- EUR 3.41B
- Total Debt (Recent Filing)
- EUR 302.38M
- Price to Earnings (P/E)
- 12.0
- Beta
- 0.48
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 1.36
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.15%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet
Low leverage, growing equity and a 12.1% TTM ROE indicate a resilient funding base and meaningful loss-absorption capacity. This supports lending through changing conditions and gives management flexibility to manage credit stress without relying heavily on additional debt.
Net Interest Income Growth
Higher loan and deposit growth guidance, together with management’s expectation for further net interest margin expansion, supports stronger recurring banking revenue. Repricing on $8.9 billion of loans could provide an asset-yield tailwind over the next year.
Operating Efficiency
Improving efficiency while expenses grow slowly relative to revenue indicates operating leverage in the franchise. If sustained, this discipline can help protect margins, support profitability through changing rates, and increase the earnings benefit from future balance-sheet growth.
Bears Say
Elevated Credit Losses
The concentration of elevated charge-offs in commercial real estate and multifamily construction credits shows that specific portfolio exposures can still create material earnings volatility. Higher provisions and allowance needs could weigh on profitability if additional problem credits emerge.
Deposit Funding Pressure
Rising deposit costs can compress the spread between loan yields and funding expenses, limiting the benefit of stronger loan growth and margin expansion. Competition for deposits and large certificate maturities may keep funding costs elevated over the coming quarters.
Uneven Revenue And Cash-Flow Momentum
Flat recent revenue and variable historical growth make the improvement in profitability less clearly durable than a steady expansion cycle. Uneven top-line momentum can constrain operating leverage, while weaker cash-flow growth may reduce support for consistent capital allocation.
Cathay General Bancorp News
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Cathay General Bancorp Stock Smart Score
Company Description
Cathay General Bancorp
Cathay General Bancorp serves as the parent entity for Cathay Bank, a financial institution that delivers a broad spectrum of commercial banking solutions. These services are tailored for individual clients, professional practices, and small to medium-sized enterprises, primarily within the United States. The bank offers a diverse array of deposit products, encompassing passbook, checking, and money market accounts, alongside certificates of deposit (CDs), individual retirement accounts (IRAs), and public sector fund deposits. On the lending side, Cathay Bank provides various loan offerings, including commercial mortgages, general commercial loans, Small Business Administration (SBA) loans, residential mortgages, and real estate construction financing, as well as home equity lines of credit. It also extends personal installment loans designed for household and other consumer expenditures. Beyond its core banking activities, the company furnishes services such as trade financing, letters of credit, wire transfers, foreign currency spot and forward contracts, and traveler's checks. Additional conveniences include safe deposit boxes, night deposit facilities, Social Security payment deposits, collection services, bank-by-mail, drive-up and walk-up windows, automatic teller machines (ATMs), and internet banking. Furthermore, it offers investment services, various other customary banking provisions, and both securities and insurance products. As of March 1, 2022, Cathay General Bancorp maintained a substantial physical presence, operating 31 branches in Southern California, 16 in Northern California, 10 in New York, four in Washington, and two each in Illinois and Texas. Single branches are located in Maryland, Massachusetts, Nevada, New Jersey, and Hong Kong. The corporation also maintains representative offices in Beijing, Taipei, and Shanghai. Established in 1962, the company maintains its headquarters in Los Angeles, California.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Chang Ming Liu
- Employees
- 1,268
- Website
- www.cathaygeneralbancorp.com
- Address
- 777 North Broadway, Los Angeles, CA, 90012, US
Cathay General Bancorp (CN7) Earnings & Revenues
CN7 Company Deck
CN7 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Management reported record net interest income, margin expansion, robust loan and deposit growth, improved efficiency, declining non-performing assets, and higher full-year growth outlooks. These strengths outweighed the elevated charge-offs, continued deposit-cost pressure, higher notable expenses, lower wealth management fees, and some uncertainty around fourth-quarter growth.
View all DE:CN7 earnings summariesCN7 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 2 |
| Technical Analysis | 2 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |












