10-Q · May 8, 2026
Cathay General Bancorp reported solid Q1 2026 results, beating both revenue and EPS estimates with figures of $214.8 million in revenue and $1.29 in EPS, compared to estimates of $210.6 million and $1.20 respectively.…
Earnings analysis · 10-Q
CATY earnings analysis
Filed August 7, 2026 · Our reading of the company's report
The latest report
Cathay General Bancorp reported Q2 diluted EPS of $1.37 and revenue of $222.302 million, exceeding estimates of $1.34 and $218.223 million, respectively. The supplied filing text does not provide sufficient detail to…
Read full summary
Cathay General Bancorp reported Q2 diluted EPS of $1.37 and revenue of $222.302 million, exceeding estimates of $1.34 and $218.223 million, respectively. The supplied filing text does not provide sufficient detail to calculate gross margin, operating margin, free cash flow, segment performance, or balance-sheet trends. Interest-rate sensitivity remains a key risk, with projected net interest income volatility ranging from 7.0% under a 200-basis-point increase to negative 6.5% under a 200-basis-point decline. No quantitative forward guidance or material change to disclosed risk factors was provided.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.37
What stood out
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Q2 EPS and revenue beat estimates
Second-quarter diluted EPS was $1.37 versus the $1.34 consensus estimate, while revenue was $222.302 million versus the $218.223 million estimate.
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Rate sensitivity is quantified
The interest-rate sensitivity table indicates projected net interest income volatility of 7.0% under a parallel 200-basis-point increase in rates and negative 6.5% under a 200-basis-point decline.
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Meaningful share repurchases continued
The company repurchased 242,148 shares during the quarter at an average price of $58.00, leaving $135.955 million available under the repurchase program at June 30, 2026.
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No material control weakness reported
Management concluded that disclosure controls and procedures were effective as of June 30, 2026, and reported no change in internal control over financial reporting that materially affected, or was reasonably likely to materially affect, controls during the second quarter.
What to watch
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Net interest income rate exposure
The company’s asset-sensitive balance sheet creates material earnings exposure to rate movements: projected net interest income changes by 3.5% with a 100-basis-point increase and declines by 3.3% with a 100-basis-point decrease.
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Economic value sensitive to rates
Economic value of equity is projected to decline 8.9% under a 200-basis-point rate increase and 4.2% under a 100-basis-point increase, indicating valuation sensitivity to rising rates.
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No new risk-factor changes
The company reported no material change to the risk factors disclosed in its 2025 Form 10-K; therefore, the filing does not identify a new or increased risk-factor issue versus the prior annual report.
Management's outlook
No quantitative revenue or EPS outlook, or change to prior outlook, was provided in the supplied 10-Q text.
Earlier filings 4
10-K · March 2, 2026
Cathay General Bancorp reports a large, well-capitalized community/regional banking franchise with $24.23 billion in total assets and a $20.89 billion deposit base as of December 31, 2025. Revenue was roughly stable…
10-Q · November 7, 2025
Cathay General Bancorp reported Q3 2025 diluted EPS of $1.13 (up from $0.94 a year earlier) and net income of $77.65M (vs. $67.51M in Q3 2024). Total quarter “revenue” (interest & dividend income plus non‑interest…
10-Q · May 9, 2025
Cathay General Bancorp reported Q1 2025 diluted EPS of $0.98 (unchanged YoY) on total reported revenue of $330,599,000. Net interest income before provision improved to $176,639,000 while provision for credit losses…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.