Filing Flows › Cathay General Bancorp (CATY) › Q2 2025
Cathay General Bancorp (CATY) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
Cathay General Bancorp (CATY) reported revenue of $197M for the second quarter 2025 (Q2 2025), +10% from a year earlier and +5% from the quarter before. Operating margin was 49.0%, net earnings $77.5M (39.4% of revenue).
Cathay General Bancorp, Q2 2025: revenue $197M (+10% year over year), operating margin 49.0%, net earnings $77.5M, operating cash flow $64.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $197M | +5% | +10% |
| Operating profit | $96.3M | +11% | +33% |
| Net earnings | $77.5M | +11% | +16% |
| Operating cash flow | $64.0M | -35% | -12% |
| Free cash flow | $62.7M | -35% | -13% |
What changed
Revenue was $196.6M in Q2 2025, up 10% year over year and up 5% from the previous quarter.
Operating profit was $96.3M, a 49.0% margin (up 8.3 points year over year). Of the extra revenue versus a year earlier, 131% reached operating profit, above the 41% margin then. Total costs fell 5% while revenue rose 10%. The fastest-growing cost line was Credit loss provision (+64%). Net earnings were $77.5M, up 16% year over year. The effective tax rate was 19.6%.
Operating cash flow was $64.0M (down 12% year over year), 83% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $1.2M of share-based compensation. Working capital and other items used $16.4M. Capital expenditures of $1.3M left free cash flow of $62.7M.
Questions
What was Cathay General Bancorp's revenue in the second quarter 2025?
Cathay General Bancorp (CATY) reported revenue of $197M for the second quarter 2025 (Q2 2025), +10% from a year earlier and +5% from the quarter before.
Was Cathay General Bancorp profitable in the second quarter 2025?
Operating profit was $96.3M (49.0% of revenue) and net earnings $77.5M.