Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Cathay General Bancorp's quarterly P/E stands at 9.1x, down 14.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 38.3% YoY to 5.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.20 | 9.10 | 10.62 | 10.35 | 10.98 | 10.63 | 11.42 | 10.25 | 9.65 | 9.86 | 7.69 | 6.29 | 6.54 |
| — | -14.4% | -7.0% | +1.0% | +13.7% | +7.8% | +48.5% | +63.0% | +47.6% | +28.6% | +8.0% | -24.2% | -42.1% | |
| P/S Ratio | 2.90 | 2.28 | 2.33 | 2.36 | 2.30 | 2.46 | 2.15 | 1.98 | 2.04 | 2.28 | 1.91 | 1.81 | 2.10 |
| — | -7.4% | +8.5% | +19.0% | +13.0% | +8.1% | +12.4% | +9.5% | -3.0% | -16.1% | -36.1% | -49.8% | -52.4% | |
| P/B Ratio | 1.39 | 1.12 | 1.14 | 1.11 | 1.06 | 1.20 | 1.09 | 0.98 | 0.99 | 1.19 | 0.96 | 0.90 | 0.99 |
| — | -6.0% | +4.4% | +12.6% | +6.8% | +0.7% | +13.8% | +9.3% | +0.4% | -2.0% | -17.8% | -25.8% | -29.2% | |
| P/FCF | 11.04 | 16.99 | 5.52 | 12.74 | 7.90 | 9.91 | 9.66 | 9.49 | 7.91 | 12.68 | 5.95 | 6.50 | 5.20 |
| — | +71.4% | -42.9% | +34.3% | -0.1% | -21.8% | +62.3% | +45.9% | +52.0% | +64.4% | +58.2% | -20.5% | -47.7% | |
| EV / EBITDA | 9.46 | 5.90 | 8.96 | 8.94 | 8.62 | 9.56 | 9.54 | 9.52 | 8.98 | 9.71 | 6.64 | 7.32 | 5.84 |
| — | -38.3% | -6.0% | -6.0% | -4.0% | -1.5% | +43.6% | +30.0% | +53.8% | +53.5% | +17.7% | +17.0% | -28.0% | |
| EV / EBIT | 10.01 | 6.41 | 9.35 | 9.32 | 9.03 | 10.01 | 10.05 | 10.07 | 9.47 | 10.17 | 6.97 | 7.66 | 6.06 |
| — | -35.9% | -7.0% | -7.5% | -4.6% | -1.6% | +44.2% | +31.5% | +56.1% | +54.4% | +19.1% | +17.2% | -28.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Cathay General Bancorp's operating margin was 36.2% in Q4 2025, up 9.8 pp QoQ and up 11.1 pp YoY. The trailing four-quarter average of 29.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 24.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.1% | 61.8% | 51.2% | 54.8% | 52.1% | 49.8% | 48.6% | 49.7% | 51.1% | 57.1% | 56.3% | 60.5% | 66.3% |
| — | +24.1% | +5.3% | +10.3% | +2.0% | -12.8% | -13.6% | -17.9% | -22.9% | -25.9% | -35.4% | -34.1% | -25.4% | |
| Operating Margin | 29.4% | 36.2% | 26.4% | 28.5% | 26.2% | 25.1% | 21.7% | 21.0% | 23.6% | 26.1% | 27.9% | 31.8% | 38.5% |
| — | +44.3% | +21.5% | +35.7% | +11.1% | -3.8% | -22.2% | -34.0% | -38.7% | -45.1% | -49.3% | -42.7% | -24.5% | |
| Net Margin | 22.8% | 25.1% | 21.9% | 22.9% | 21.0% | 23.2% | 18.8% | 19.3% | 21.1% | 23.2% | 24.9% | 28.8% | 32.0% |
| — | +8.1% | +16.5% | +18.6% | -0.2% | +0.3% | -24.5% | -33.0% | -34.2% | -34.5% | -40.8% | -33.8% | -17.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 3.1% | 2.7% | 2.7% | 2.4% | 2.8% | 2.4% | 2.4% | 2.6% | 3.1% | 3.1% | 3.6% | 3.8% |
| — | +9.9% | +11.7% | +12.3% | -6.0% | -8.0% | -23.6% | -33.8% | -32.3% | -23.0% | -23.0% | -1.2% | +24.2% | |
| ROA | 1.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +8.3% | +11.9% | +15.2% | -2.2% | -3.7% | -19.2% | -30.7% | -29.6% | -19.2% | -21.8% | -2.1% | +21.4% | |
| ROIC | 9.8% | 3.1% | 2.1% | 2.2% | 2.1% | 2.1% | 1.9% | 1.7% | 1.8% | 2.2% | 2.2% | 2.3% | 2.8% |
| — | +44.4% | +10.3% | +27.5% | +16.3% | -4.6% | -12.4% | -25.7% | -35.3% | -32.6% | -39.9% | -30.8% | -2.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Cathay General Bancorp's Debt/EBITDA ratio is 1.5x, down from 3.7x last quarter — comfortably within a safe range. The current ratio has improved 113.8% YoY to 0.20x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.12 | 0.20 | 0.09 | 0.08 | 0.08 | 0.12 | 0.16 | 0.26 | 0.07 | 0.38 | 0.21 |
| — | -10.8% | +52.7% | +67.3% | -41.3% | -69.1% | +13.1% | -68.3% | -25.3% | -2.7% | -58.3% | +506.8% | +548.3% | |
| Debt / EBITDA | 0.48 | 1.47 | 3.68 | 5.81 | 2.91 | 2.51 | 2.79 | 4.39 | 5.17 | 7.28 | 1.95 | 9.22 | 4.46 |
| — | -41.4% | +31.8% | +32.3% | -43.7% | -65.6% | +42.9% | -52.4% | +15.9% | +51.1% | -36.8% | +615.0% | +482.7% | |
| Current Ratio | 0.20 | 0.20 | 0.11 | 0.11 | 0.10 | 0.09 | 0.15 | 0.14 | 0.15 | 0.13 | 0.14 | 0.16 | 0.15 |
| — | +113.8% | -23.7% | -24.4% | -29.5% | -29.9% | +4.9% | -9.8% | -0.2% | -10.6% | -4.9% | +19.4% | +5.2% | |
| Quick Ratio | 0.20 | 0.20 | 0.11 | 0.11 | 0.10 | 0.09 | 0.15 | 0.14 | 0.15 | 0.13 | 0.14 | 0.16 | 0.15 |
| — | +113.8% | -23.7% | -24.4% | -29.5% | -29.9% | +4.9% | -9.8% | -0.2% | -10.6% | -4.9% | +19.4% | +5.2% | |
| Interest Coverage | 0.72 | 0.95 | 0.65 | 0.68 | 0.61 | 0.55 | 0.46 | 0.43 | 0.49 | 0.62 | 0.67 | 0.87 | 1.24 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CATY stock.
Cathay General Bancorp's current P/E is 13.2x. The average P/E over the last 4 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Cathay General Bancorp's current operating margin is 29.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Cathay General Bancorp's business trajectory between earnings reports.