CATY FY 2025 Earnings Report — Cathay General Bancorp Revenue & Financial Results | Market Cap Arena

Cathay General BancorpCATY

FY 2025 Earnings

Reported February 27, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.4B	—	$1.4B	—	-0.4%
Op. Income	$407M	—	$318M	—	28.3%
Gross Margin	55.1%	—	49.8%	—	5.3pp
Net Margin	22.8%	—	20.6%	—	2.2pp
EPS (Diluted)	$4.54	—	$3.95	—	14.9%
Free Cash Flow	$364M	—	$326M	—	11.7%

Revenue Flow

Item	Amount
REVENUE	$1.4B
Cost of Revenue	$622M
GROSS PROFIT	$762M
R&D Expenses	$0
Selling & Marketing	$6M
General & Administrative	$187M
SG&A Expenses	$193M
Other Expenses	$162M
Operating Expenses	$355M
Cost & Expenses	$977M
OPERATING INCOME	$407M
Interest Income	$1.3B
Interest Expense	$567M
Other Income/Expenses	-$17M
INCOME BEFORE TAX	$390M
Income Tax Expense	$75M
Net Income from Continuing Ops	$315M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$315M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$315M
D&A	$24M
EBIT	$407M
EBITDA	$431M
EPS	$5
EPS Diluted	$5

Income Statement

Item	Amount
REVENUE	$1.4B
Cost of Revenue	$622M
GROSS PROFIT	$762M
R&D Expenses	$0
Selling & Marketing	$6M
General & Administrative	$187M
SG&A Expenses	$193M
Other Expenses	$162M
Operating Expenses	$355M
Cost & Expenses	$977M
OPERATING INCOME	$407M
Interest Income	$1.3B
Interest Expense	$567M
Other Income/Expenses	-$17M
INCOME BEFORE TAX	$390M
Income Tax Expense	$75M
Net Income from Continuing Ops	$315M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$315M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$315M
D&A	$24M
EBIT	$407M
EBITDA	$431M
EPS	$5
EPS Diluted	$5

Cash Flow Statement

Item	Amount
Net Income	$315M
Depreciation & Amortization	$16M
Stock-Based Compensation	$8M
Deferred Income Tax	$12M
Other Non-Cash Items	$79M
Change in Working Capital	-$62M
OPERATING CASH FLOW	$369M
Capital Expenditure	-$5M
Acquisitions (Net)	$0
Purchases of Investments	-$1.7B
Sales/Maturities of Investments	$1.8B
Other Investing Activities	-$927M
NET CASH FROM INVESTING	-$857M
Net Debt Issuance	-$60M
Common Stock Repurchased	-$180M
Common Dividends Paid	-$94M
Other Financing Activities	$1.2B
NET CASH FROM FINANCING	$874M
FREE CASH FLOW	$364M
Net Change in Cash	$385M

Balance Sheet

Item	Amount
Cash & Equivalents	$146M
Short-Term Investments	$1.7B
Net Receivables	$97M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$1.9B
PP&E (Net)	$122M
Goodwill	$376M
Intangible Assets	$3M
Long-Term Investments	$18M
Tax Assets	$0
Other Non-Current Assets	$36M
TOTAL NON-CURRENT ASSETS	$554M
TOTAL ASSETS	$24.2B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$9.7B
TOTAL CURRENT LIABILITIES	$9.7B
Long-Term Debt	$173M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	-$209M
TOTAL NON-CURRENT LIABILITIES	$0
TOTAL LIABILITIES	$21.3B
Common Stock	$0
Additional Paid-In Capital	$0
Retained Earnings	$0
Treasury Stock	$0
Accum. Other Comp. Income	$0
Other Equity	$2.9B
TOTAL STOCKHOLDERS' EQUITY	$2.9B
Minority Interest	$0
TOTAL EQUITY	$2.9B
TOTAL LIABILITIES & EQUITY	$24.2B
Total Debt	$209M
Net Debt	$63M