CATY
Cathay General Bancorp
Price as of Jul 20, 2026
CATY earnings
Cathay General Bancorp earnings
Reported EPS and revenue history, upcoming estimates and available earnings-call summaries.
| 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% |
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
Earnings history is derived from company filings and calendar data. Call summaries are grouped by reporting period. Latest covered event: 2026-07-22.