Cathay General Bancorp (CATY) Reports 16.5% Net Income Growth to $90.5 Million in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 23 2026
0mins
Should l Buy CATY?
Source: seekingalpha
- Net Income Growth: Cathay General Bancorp reported a net income of $90.5 million for Q4 2025, reflecting a 16.5% increase from $77.7 million in Q3, demonstrating effective strategies in credit management and revenue diversification.
- Earnings Per Share Increase: Diluted earnings per share rose from $1.13 in Q3 to $1.33, an 18.3% increase, indicating enhanced profitability and increased investor confidence in the company's performance.
- Loan and Deposit Growth: Total loans grew by $42 million, primarily driven by increases in commercial real estate and residential loans, while total deposits increased by $373 million, with expectations for deposit growth of 4% to 5% in 2026, further solidifying the company's market position.
- Capital Ratio Improvement: Capital ratios improved slightly across Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, indicating robust performance in capital management and risk control, laying a solid foundation for future growth.
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Analyst Views on CATY
Wall Street analysts forecast CATY stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CATY is 50.67 USD with a low forecast of 45.00 USD and a high forecast of 55.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
0 Buy
2 Hold
1 Sell
Moderate Sell
Current: 53.450
Low
45.00
Averages
50.67
High
55.00
Current: 53.450
Low
45.00
Averages
50.67
High
55.00
About CATY
Cathay General Bancorp is the holding company of Cathay Bank (the Bank). The Bank offers a range of financial services and operates over 60 branches across the United States in California, New York, Washington, Texas, Illinois, Massachusetts, Maryland, Nevada, and New Jersey. It also has a branch outlet in Hong Kong, and representative offices in Beijing, Shanghai, and Taipei. The Bank provides financial services to diverse commercial and professional businesses in its market areas. It offers products and services to businesses, such as checking and deposit, lines of credits, commercial and commercial real estate loans, merchant services and payment processing, treasury management services, international banking and financing services, and other customary banking services. Through its Cathay Wealth Management business unit, the Bank offers clients a range of investment products and services, such as stocks, bonds, mutual funds, insurance, annuities, and advisory services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Cathay General Bancorp CFO Heng W. Chen to Retire in 2026
- Executive Retirement: Heng W. Chen, CFO and treasurer of Cathay General Bancorp, will retire on March 1, 2026, marking a significant leadership change that may impact investor confidence.
- Succession Plan: Deputy CFO Albert J. Wang will succeed Chen as CFO and treasurer, ensuring continuity and stability in financial management to support the company's future growth.
- Transition Support: Chen will remain as a special advisor to the office of the president at Cathay Bank until December 31, 2026, aiding the new CFO's transition and ensuring smooth business operations.
- Performance Outlook: Cathay General Bancorp has set a loan growth target of 3.5%-4.5% for 2026 and declared a dividend of $0.34 per share, indicating a focus on shareholder returns while continuing to expand operations.
See More
Cathay General Bancorp CFO Heng W. Chen to Retire, Albert J. Wang to Succeed
- Executive Retirement: Heng W. Chen, CFO of Cathay General Bancorp, will retire on March 1, 2026, concluding nearly 42 years in auditing and finance, including 23 years at Cathay, marking a significant leadership transition for the company.
- Succession Plan: Albert J. Wang, currently Deputy CFO, will succeed Chen as CFO and Treasurer, bringing over 28 years of finance and accounting experience, which is expected to provide fresh perspectives and leadership for the company.
- Transition Collaboration: Chen and Wang will work closely together to ensure a smooth transition, with Chen serving as a Special Advisor until December 31, 2026, continuing to support the company during this period.
- Company Growth: Under Chen's tenure, Cathay Bank has achieved sustained growth, delivering strong earnings and consistent shareholder value, demonstrating its robust performance and strategic decision-making capabilities in the financial services industry.
See More
Cathay General Bancorp (CATY) Reports 16.5% Net Income Growth to $90.5 Million in Q4 2025
- Net Income Growth: Cathay General Bancorp reported a net income of $90.5 million for Q4 2025, reflecting a 16.5% increase from $77.7 million in Q3, demonstrating effective strategies in credit management and revenue diversification.
- Earnings Per Share Increase: Diluted earnings per share rose from $1.13 in Q3 to $1.33, an 18.3% increase, indicating enhanced profitability and increased investor confidence in the company's performance.
- Loan and Deposit Growth: Total loans grew by $42 million, primarily driven by increases in commercial real estate and residential loans, while total deposits increased by $373 million, with expectations for deposit growth of 4% to 5% in 2026, further solidifying the company's market position.
- Capital Ratio Improvement: Capital ratios improved slightly across Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, indicating robust performance in capital management and risk control, laying a solid foundation for future growth.
See More
Cathay General Bancorp Reports Q4 EPS of $1.33, Beating Estimates
- Strong Earnings Performance: Cathay General Bancorp reported a Q4 GAAP EPS of $1.33, exceeding market expectations by $0.10, which reflects the company's ongoing growth in profitability and boosts investor confidence.
- Significant Revenue Growth: The bank's revenue reached $222.8 million, marking a 19.5% year-over-year increase and surpassing estimates by $11.04 million, indicating robust growth momentum in a competitive market that strengthens its market position.
- Stable Dividend Distribution: Cathay General declared a dividend of $0.34 per share, demonstrating its commitment to providing consistent returns to shareholders while maintaining profitability growth, which enhances investor confidence in holding shares.
- Optimistic Market Outlook: Analysts have upgraded Cathay General's earnings outlook to
See More
Cathay General Bancorp to Announce 2025 Financial Results on January 22, 2026
- Earnings Announcement Schedule: Cathay General Bancorp is set to release its fourth quarter and full year 2025 financial results after market close on January 22, 2026, which is expected to provide investors with crucial financial data and business performance insights.
- Conference Call Details: The company will host a conference call at 3:00 PM Pacific Time (6:00 PM Eastern Time) lasting one hour, allowing analysts and investors to engage in a question-and-answer session, thereby enhancing interaction with management.
- Webcast Access: A live webcast of the call will be available on the company's website, with a recorded version accessible for replay within 24 hours post-call, facilitating information access for investors unable to attend live.
- Company Background Information: Founded in 1962, Cathay General Bancorp operates over 60 branches across several U.S. states and has a branch in Hong Kong, showcasing its extensive footprint and international strategy in the financial services sector.
See More
Upcoming Ex-Dividend Dates for Cathay General Bancorp, Stifel Financial, and Associated Banc-Corp
Upcoming Ex-Dividend Dates: On December 1, 2025, Cathay General Bancorp (CATY), Stifel Financial Corporation (SF), and Associated Banc-Corp (ASB) will trade ex-dividend, with respective dividends of $0.34, $0.46, and $0.24 scheduled for payment on December 11 and 15, 2025.
Expected Price Adjustments: Following the ex-dividend date, CATY shares are expected to open 0.69% lower, SF by 0.38%, and ASB by 0.91%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the upcoming dividends are 2.77% for Cathay General Bancorp, 1.52% for Stifel Financial Corporation, and 3.65% for Associated Banc-Corp, reflecting their historical dividend stability.
Current Trading Performance: As of the latest trading session, Cathay General Bancorp shares are down 0.2%, Stifel Financial Corporation shares are up 0.5%, and Associated Banc-Corp shares are down 0.5%.
See More
Cathay General Bancorp CFO Heng W. Chen to Retire in 2026
- Executive Retirement: Heng W. Chen, CFO and treasurer of Cathay General Bancorp, will retire on March 1, 2026, marking a significant leadership change that may impact investor confidence.
- Succession Plan: Deputy CFO Albert J. Wang will succeed Chen as CFO and treasurer, ensuring continuity and stability in financial management to support the company's future growth.
- Transition Support: Chen will remain as a special advisor to the office of the president at Cathay Bank until December 31, 2026, aiding the new CFO's transition and ensuring smooth business operations.
- Performance Outlook: Cathay General Bancorp has set a loan growth target of 3.5%-4.5% for 2026 and declared a dividend of $0.34 per share, indicating a focus on shareholder returns while continuing to expand operations.
See More
Cathay General Bancorp CFO Heng W. Chen to Retire, Albert J. Wang to Succeed
- Executive Retirement: Heng W. Chen, CFO of Cathay General Bancorp, will retire on March 1, 2026, concluding nearly 42 years in auditing and finance, including 23 years at Cathay, marking a significant leadership transition for the company.
- Succession Plan: Albert J. Wang, currently Deputy CFO, will succeed Chen as CFO and Treasurer, bringing over 28 years of finance and accounting experience, which is expected to provide fresh perspectives and leadership for the company.
- Transition Collaboration: Chen and Wang will work closely together to ensure a smooth transition, with Chen serving as a Special Advisor until December 31, 2026, continuing to support the company during this period.
- Company Growth: Under Chen's tenure, Cathay Bank has achieved sustained growth, delivering strong earnings and consistent shareholder value, demonstrating its robust performance and strategic decision-making capabilities in the financial services industry.
See More
Cathay General Bancorp (CATY) Reports 16.5% Net Income Growth to $90.5 Million in Q4 2025
- Net Income Growth: Cathay General Bancorp reported a net income of $90.5 million for Q4 2025, reflecting a 16.5% increase from $77.7 million in Q3, demonstrating effective strategies in credit management and revenue diversification.
- Earnings Per Share Increase: Diluted earnings per share rose from $1.13 in Q3 to $1.33, an 18.3% increase, indicating enhanced profitability and increased investor confidence in the company's performance.
- Loan and Deposit Growth: Total loans grew by $42 million, primarily driven by increases in commercial real estate and residential loans, while total deposits increased by $373 million, with expectations for deposit growth of 4% to 5% in 2026, further solidifying the company's market position.
- Capital Ratio Improvement: Capital ratios improved slightly across Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, indicating robust performance in capital management and risk control, laying a solid foundation for future growth.
See More
Cathay General Bancorp Reports Q4 EPS of $1.33, Beating Estimates
- Strong Earnings Performance: Cathay General Bancorp reported a Q4 GAAP EPS of $1.33, exceeding market expectations by $0.10, which reflects the company's ongoing growth in profitability and boosts investor confidence.
- Significant Revenue Growth: The bank's revenue reached $222.8 million, marking a 19.5% year-over-year increase and surpassing estimates by $11.04 million, indicating robust growth momentum in a competitive market that strengthens its market position.
- Stable Dividend Distribution: Cathay General declared a dividend of $0.34 per share, demonstrating its commitment to providing consistent returns to shareholders while maintaining profitability growth, which enhances investor confidence in holding shares.
- Optimistic Market Outlook: Analysts have upgraded Cathay General's earnings outlook to
See More
Cathay General Bancorp to Announce 2025 Financial Results on January 22, 2026
- Earnings Announcement Schedule: Cathay General Bancorp is set to release its fourth quarter and full year 2025 financial results after market close on January 22, 2026, which is expected to provide investors with crucial financial data and business performance insights.
- Conference Call Details: The company will host a conference call at 3:00 PM Pacific Time (6:00 PM Eastern Time) lasting one hour, allowing analysts and investors to engage in a question-and-answer session, thereby enhancing interaction with management.
- Webcast Access: A live webcast of the call will be available on the company's website, with a recorded version accessible for replay within 24 hours post-call, facilitating information access for investors unable to attend live.
- Company Background Information: Founded in 1962, Cathay General Bancorp operates over 60 branches across several U.S. states and has a branch in Hong Kong, showcasing its extensive footprint and international strategy in the financial services sector.
See More
Upcoming Ex-Dividend Dates for Cathay General Bancorp, Stifel Financial, and Associated Banc-Corp
Upcoming Ex-Dividend Dates: On December 1, 2025, Cathay General Bancorp (CATY), Stifel Financial Corporation (SF), and Associated Banc-Corp (ASB) will trade ex-dividend, with respective dividends of $0.34, $0.46, and $0.24 scheduled for payment on December 11 and 15, 2025.
Expected Price Adjustments: Following the ex-dividend date, CATY shares are expected to open 0.69% lower, SF by 0.38%, and ASB by 0.91%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the upcoming dividends are 2.77% for Cathay General Bancorp, 1.52% for Stifel Financial Corporation, and 3.65% for Associated Banc-Corp, reflecting their historical dividend stability.
Current Trading Performance: As of the latest trading session, Cathay General Bancorp shares are down 0.2%, Stifel Financial Corporation shares are up 0.5%, and Associated Banc-Corp shares are down 0.5%.
See More
