Cathay General Bancorp (CATY) Earnings
Cathay General Bancorp is expected to report next earnings on July 28, 2026 (in NaN days), with a consensus EPS estimate of $1.33. CATY has beaten EPS estimates in 6 of its last 12 reported quarters (average surprise +4.4% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $1.19 | $1.29 | +8.4% | $213M | +0.8% |
| Jan 22, 2026 | $1.20 | $1.33 | +10.8% | $223M | +6.1% |
| Oct 21, 2025 | $1.15 | $1.13 | -1.7% | $211M | +3.9% |
| Jul 22, 2025 | $1.10 | $1.10 | +0.0% | $197M | -2.8% |
| Jan 22, 2025 | $1.10 | $1.12 | +1.8% | $186M | +1.9% |
| Oct 21, 2024 | $0.95 | $0.94 | -1.1% | $190M | +4.1% |
| Jul 22, 2024 | $0.94 | $0.92 | -2.1% | $177M | -1.2% |
| Jan 24, 2024 | $1.06 | $1.13 | +6.6% | $205M | +3.7% |
| Jul 24, 2023 | $1.13 | $1.28 | +13.3% | $205M | +4.2% |
| Apr 20, 2023 | $1.25 | $1.32 | +5.6% | $207M | -0.4% |
| Jan 25, 2023 | $1.37 | $1.33 | -2.9% | $214M | -1.7% |
| Jul 25, 2022 | $1.17 | $1.18 | +0.9% | $190M | +3.1% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 22, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• Net income for Q4 2025 was $90.5 million, up 16.5% from Q3; full year 2025 net income $315.1 million, up 10.1% from 2024. • Repurchased 1.1 million shares in Q4 for $51.9 million, with $12 million remaining in the $150 million buyback program. • Loan growth expected 3.5%-4.5% in 2026. • CRE loans: average LTV steady at 49%, retail property loans 24% of CRE, 12% of total; office private loans 13% of CRE, 7% of total. • Deposit growth in Q4 driven by core deposits, expecting 4%-5% in 2026.
Guidance
• Loan growth in 2026 expected between 3.5% and 4.5%. • Net interest margin for 2026 expected to range between 3.4% and 3.5%. • Deposit growth in 2026 expected to range between 4% and 5%. • Effective tax rate for 2026 expected between 20.5% and 21.5%.
Segment performance
For the fourth quarter of 2025, net income was $90.5 million, a 16.5% increase from Q3. Full year 2025 net income was $315.1 million, a 10.1% increase from 2024. Total gross loans grew by $42 million, driven by $80 million in CRE loans and $17 million in residential loans. Q4 net charge-offs were $5.4 million vs $15.6 million prior quarter. Non-accrual loans were 0.6% of total loans. Classified loans decreased, special mention loans increased. Provisions for credit losses in Q4 were $17.2 million. Total deposits increased by $373 million in Q4.
Risks & headwinds
Forward-looking statements are subject to risks and uncertainties described in the company's annual report on Form 10-K for the year ended December 31st, 2024, at item 1A in particular.
Analyst Q&A
Q: Kelly Mota asked about deposits, margin guidance, and credit migration.
A: Assumed deposit betas in 60% range, credit migrations explained with examples like New York mixed-use project, Pacific Northwest multifamily, and CNI distributor.
Q: Andrew Terrell asked about margin, lending competition.
A: Mentioned residential mortgage growth, CRE competition, CNI competition, and expected amortization in 2026