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Cathay General Bancorp (CATY) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Cathay General Bancorp (CATY) Q3 2026 earnings results →

Q3 2026 Revenue up 21% year over year to $255M · 37¢ of every $1 of revenue kept as net profit · operating margin 48.2%

Cathay General Bancorp made $255M in Q3 2026 (+21% Y/Y). Operating margin 48.2%, net earnings $95.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$255M
Year over year+21%
Operating margin48.2%
Net earnings$95.2M
Operating cash flow$82.0M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $254.6M in Q3 2026, up 21% year over year and up 15% from the previous quarter.

Operating profit was $122.7M, a 48.2% margin (up 3.7 points year over year). Of the extra revenue versus Q3 2025, 66% reached operating profit, above the 45% margin then. Total costs grew 13% against revenue growth of 21%. The fastest-growing cost line was Noninterest expense (+17%). Net earnings were $95.2M, up 23% year over year. The effective tax rate was 22.4%.

Operating cash flow was $82.0M (down 46% year over year), 86% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $1.9M of share-based compensation. Working capital and other items used $16.9M. Capital expenditures of $1.3M left free cash flow of $80.7M.

Quarterly history

Cathay General Bancorp revenue by quarterCathay General Bancorp revenue by quarter$188MQ1 2025$197MQ2 2025$211MQ3 2025$223MQ4 2025$215MQ1 2026$222MQ2 2026$255MQ3 2026
Cathay General Bancorp net earnings by quarterCathay General Bancorp net earnings by quarter$69.5MQ1 2025$77.5MQ2 2025$77.7MQ3 2025$90.5MQ4 2025$86.9MQ1 2026$92.2MQ2 2026$95.2MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$255M+21%48.2%$95.2M$82.0M
Q2 202610-QAug 7, 2026$222M+13%53.4%$92.2M$237M
Q1 202610-QMay 8, 2026$215M+14%51.2%$86.9M$98.3M
Q4 202510-KMar 2, 2026$223M+20%50.9%$90.5M$55.1M
Q3 202510-QNov 7, 2025$211M+11%44.5%$77.7M$151M
Q2 202510-QAug 8, 2025$197M+10%49.0%$77.5M$64.0M
Q1 202510-QMay 9, 2025$188M+7%46.1%$69.5M$99.0M

Charts

Cathay General Bancorp: revenue growth, year over year and quarter over quarterCathay General Bancorp: revenue growth, year over year and quarter over quarterY/YQ/Q+7%Q1 2025+10%+5%Q2 2025+11%+7%Q3 2025+20%+6%Q4 2025+14%-4%Q1 2026+13%+3%Q2 2026+21%+15%Q3 2026
Latest (Q3 2026): Y/Y +21%, Q/Q +15%.
Cathay General Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Cathay General Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$1.1BOther investing−$1.1BOperating cash flow$473MCash drawn (+) / kept (−)−$400MDividends−$98.9MCapital spending−$7.7MTaxes on employees’ shares−$3.9M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Cathay General Bancorp: profit against cash, quarter by quarterCathay General Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$80.2M$86.8MQ4 2024$69.5M$99.0MQ1 2025$77.5M$64.0MQ2 2025$77.7M$151MQ3 2025$90.5M$55.1MQ4 2025$86.9M$98.3MQ1 2026$92.2M$237MQ2 2026$95.2M$82.0MQ3 2026
Latest (Q3 2026): Net income $95.2M, Operating cash flow $82.0M.
Cathay General Bancorp: diluted shares by fiscal yearCathay General Bancorp: diluted shares by fiscal year80MFY202079MFY202175MFY202273MFY202372MFY202469MFY2025
-12.9% since FY2020: buybacks shrank the count.
Cathay General Bancorp in its industry: growth against margin (133 companies, SIC 6022)Cathay General Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFCATY (+21%, 48%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

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🔄Rotation against the market and its industry (RRG)interactive

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📈Investments: gains and what it boughtinteractive

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Customers and suppliers named in filings

Buys from

About Cathay General Bancorp

Cathay General Bancorp (the “Bancorp” on a parent-only basis, and the “Company,” “we,” “us” or “our” on a consolidated basis) is a corporation that was organized in 1990 under the laws of the State of Delaware. The Bancorp is the holding company of Cathay Bank, a California state-chartered commercial bank (“Cathay Bank” or the “Bank”), and twelve limited partnerships investing in affordable housing investments in which the Bank is the sole limited partner. The Bancorp also owns 100% of the common stock of five statutory business trusts created for the purpose of issuing capital securities.

In its own words, from its 10-K, filed Mar 2, 2026.

Cathay General Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +21% against the peers' median +12%. Operating margin: 48.2% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
CATY Cathay General BancorpQ3 2026$255M+21%48.2%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Cathay General Bancorp 10-Q on SEC EDGAR · CIK 861842 · State Commercial Banks

Guidance and outlook

Cathay General Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-06)Cathay General Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-06)Other6The economy3Legal & regulation2Financing1Buybacks & dividends1
13 statements; tone +0.31 (−1 all cautious, +1 all confident); 4 hedged.
Cathay General Bancorp: outlook statements against the filing beforeCathay General Bancorp: outlook statements against the filing beforeConfident5Cautious1

13F: who owns CATY and who is buying

Largest holders of CATY (13F)Largest holders of CATY (13F)BlackRock$605MVanguard Group$365MVanguard Portfolio Management LLC$255MDimensional Fund Advisors LP$252MState Street$219MVanguard Capital Management LLC$180MAmerican Century Companies$123MInvesco$122MGeode Capital Management, LLC$113MFuller & Thaler Asset Management$106M
Funds' net buying of CATY by quarter (13F)Funds' net buying of CATY by quarter (13F)$11.0M2024-09$12.9M2024-12−$2.4M2025-03−$23.4M2025-06−$45.8M2025-09−$31.7M2025-12−$42.6M2026-03$172M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CATY

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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