Cathay General Bancorp Financial Ratios — CN7 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.87	7.7	8.03	9	9.62	9.79	9.26	13.28	12.64	9.71	12.26	14.66	13.59	10.25	10.92
Return on Assets (%)	0.93	1.1	1.14	1.22	1.3	1.26	1.17	1.68	1.6	1.23	1.49	1.68	1.57	1.24	1.33
Return on Capital (%)	4.84	6	6	6.43	7.45	7.82	7.14	9.93	9.25	7.73	11.08	12.5	10.76	8.77	10.21
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.7	50.08	50.43	57.34	53.61	53.67	56.67	56.54	56.38	42.69	58.53	59.78	49.82	43.52	47.71
Profit Margin (%)	27.47	31.93	31.98	35.96	39.06	38.8	33.44	45.52	45.05	38.47	45.73	45.62	43.72	39.19	38.53
Net Income to Common Margin (%)	22.96	27.45	29.47	35.96	39.06	38.8	33.44	45.52	45.05	38.47	45.73	45.62	43.72	39.19	38.53
Effective Tax Rate (%)	33.72	35.91	36.27	37.29	27.13	27.7	40.99	19.49	20.1	9.89	21.88	23.68	12.25	9.94	19.24
Dvd Payout Ratio (%)	-0.46	-0.43	2.55	16.76	28.11	33.85	39.7	30.69	35.51	43.12	33.3	27.99	27.85	34.26	29.77
Sustainable Growth Rate (%)	6.9	7.73	7.83	7.49	6.91	6.48	5.58	9.2	8.15	5.52	8.18	10.56	9.81	6.74	7.67

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	416	336	661	564	413	487	642	737	880	326	193	659	710	228	173
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	26	- -	- -	- -	- -	- -	- -
LT Debt	416	336	661	564	413	487	642	737	854	326	193	659	710	228	173
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.8	12.78	13.28	13.92	13.19	12.59	12.62	12.64	12.68	12.7	11.71	11.27	11.86	12.34	12.07
Long-Term Debt/Equity (%)	27.44	20.62	45.33	35.19	23.61	26.62	32.51	34.72	37.22	13.5	7.89	26.65	25.93	8	5.91
Long-Term Debt/Capital (%)	21.53	17.1	31.19	26.03	19.1	21.02	24.54	25.77	26.91	11.89	7.31	21.04	20.59	7.41	5.58
Long-Term Debt/Total Assets (%)	3.91	3.14	6.02	4.9	3.11	3.35	4.1	4.39	4.72	1.71	0.92	3	3.07	0.99	0.71
Total Debt/Equity (%)	27.44	20.62	45.33	35.19	23.61	26.62	32.51	34.72	38.34	13.5	7.89	26.65	25.93	8	5.91
Total Debt/Capital (%)	21.53	17.1	31.19	26.03	19.1	21.02	24.54	25.77	27.72	11.89	7.31	21.04	20.59	7.41	5.58
Total Debt/Total Assets (%)	3.91	3.14	6.02	4.9	3.11	3.35	4.1	4.39	4.86	1.71	0.92	3	3.07	0.99	0.71
Net Debt to Equity	19.66	11.73	34.8	24.16	13.31	14.7	19.99	24.1	29.05	6.38	1.15	17.43	18.31	1.4	-0.33
Net Debt/Capital (%)	16.43	10.5	25.81	19.46	11.75	12.82	16.66	19.42	22.24	5.92	1.12	14.68	15.31	1.36	-0.33
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.8	12.78	13.28	13.92	13.19	12.59	12.62	12.64	12.68	12.7	11.71	11.27	11.86	12.34	12.07
Long-Term Debt/Equity (%)	27.44	20.62	45.33	35.19	23.61	26.62	32.51	34.72	37.22	13.5	7.89	26.65	25.93	8	5.91
Long-Term Debt/Capital (%)	21.53	17.1	31.19	26.03	19.1	21.02	24.54	25.77	26.91	11.89	7.31	21.04	20.59	7.41	5.58
Long-Term Debt/Total Assets (%)	3.91	3.14	6.02	4.9	3.11	3.35	4.1	4.39	4.72	1.71	0.92	3	3.07	0.99	0.71
Total Debt/Equity (%)	27.44	20.62	45.33	35.19	23.61	26.62	32.51	34.72	38.34	13.5	7.89	26.65	25.93	8	5.91
Total Debt/Capital (%)	21.53	17.1	31.19	26.03	19.1	21.02	24.54	25.77	27.72	11.89	7.31	21.04	20.59	7.41	5.58
Total Debt/Total Assets (%)	3.91	3.14	6.02	4.9	3.11	3.35	4.1	4.39	4.86	1.71	0.92	3	3.07	0.99	0.71
CFO/Total Liabilities	1.91	1.82	1.21	1.51	1.54	1.85	1.82	2.3	2.75	1.92	1.81	2.4	1.89	1.63	1.73
CFO/CapEx	60.27	52.95	18.61	31.42	50.23	66.53	78.07	50.46	60.98	55.37	89.68	137.86	113.13	90.53	75.05
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	10.79	12.63	15.31	15.44	14.75	13.3	12.74	12.32	11.78	10.57	11.25	11.34	9	7.47	8.4
Days Sales Outstanding	33.84	28.9	23.84	23.63	24.75	27.44	28.64	29.63	30.98	34.53	32.46	32.19	40.58	48.88	43.46
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,349	3,339
- Cash & Cash Equivalents	118	145	154	177	180	218	247	225	177	139	134	195	174	157	146
+ Preferred Equity and Hybrid Capital	251	255	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	8	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	416	336	661	564	413	487	642	737	880	326	193	659	710	228	173
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	990	1,121
Total Capital	1,932	1,966	2,120	2,167	2,161	2,315	2,615	2,859	3,174	2,744	2,639	3,133	3,446	3,073	3,098
Total Debt/Capital (%)	21.53	17.1	31.19	26.03	19.1	21.02	24.54	25.77	27.72	11.89	7.31	21.04	20.59	7.41	5.58
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.23	0.15
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.37
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.01	3.04
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.04	3.08
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,418	3,451
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,059	1,233
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.97	16.68
TTM Sales	365	368	385	383	412	451	526	597	620	595	652	791	810	730	818
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	174	165	115	150	177	234	249	337	435	320	334	467	385	329	369
TTM Free Cash Flow to Firm	171	161	109	145	173	231	246	330	428	314	331	464	381	326	364

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.5	9.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	990	1,121
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	41.77	36.02
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.37
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.91	10.91
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.01	10.15
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.63	11.24
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.53	7.91
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.14
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.19	1.06
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.35	1.18
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04	0.83
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.31
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.37	1.22
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55	1.35
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.2	0.95
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.67	4.2
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.71	3.91
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.34	4.33
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.13	3.05
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.35	9.33
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.44	8.68
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.84	9.61
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.15	6.76
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.59	8.83
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.01	9.78
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.28	6.88
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.4	1.09
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.02	1.49
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.82	0.25
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47.26	49.69
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	54.07	51.2
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,019	889
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,473	1,222
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	601	202

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	79	79	80	80	81	80	81	81	80	80	76	73	73	71	67
Diluted Weighted Avg Shares	79	79	79	80	81	80	81	82	80	80	79	75	73	72	69
Basic Weighted Avg Shares	79	79	79	80	81	79	80	81	80	80	78	74	73	72	69
Revenue per Share	4.64	4.67	4.88	4.81	5.12	5.7	6.56	7.36	7.75	7.48	8.33	10.63	11.16	10.13	11.82
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.06	1.28	1.44	1.73	2	2.21	2.19	3.35	3.49	2.88	3.81	4.85	4.88	3.97	4.55
Basic EPS from Cont Ops	1.28	1.5	1.57	1.73	2	2.21	2.19	3.35	3.49	2.88	3.81	4.85	4.88	3.97	4.55
Diluted EPS, GAAP	1.06	1.28	1.43	1.72	1.98	2.19	2.17	3.33	3.48	2.87	3.8	4.83	4.86	3.95	4.54
Diluted EPS from Cont Ops	1.28	1.5	1.56	1.72	1.98	2.19	2.17	3.33	3.48	2.87	3.8	4.83	4.86	3.95	4.54
Dividend per Share	0.2	0.2	0.16	0.29	0.56	0.75	0.87	1.03	1.24	1.24	1.27	1.36	1.36	1.36	1.36
Cash Flow per Share	2.21	2.09	1.46	1.88	2.19	2.96	3.1	4.15	5.44	4.02	4.27	6.29	5.3	4.57	5.33
Free Cash Flow per Basic Share	2.18	2.05	1.38	1.82	2.15	2.92	3.06	4.07	5.35	3.95	4.22	6.24	5.25	4.52	5.26
Cash & Equivalents per Share	21.71	23.46	28.36	24.87	28.5	31.4	23.16	22.89	25.66	30.91	47.22	36.23	33.49	36.5	35.59
Book Value per Share	15.97	17.35	18.33	20.08	21.63	22.97	24.39	26.36	28.78	30.41	32.29	34.01	37.66	40.16	43.53
Tangible Book Value per Share	11.8	13.25	14.33	16.08	16.98	18.26	19.69	21.65	24.03	25.66	27.32	28.77	32.43	34.81	37.91