Filing Flows › Cathay General Bancorp (CATY) › Q3 2025
Cathay General Bancorp (CATY) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Cathay General Bancorp (CATY) reported revenue of $211M for the third quarter 2025 (Q3 2025), +11% from a year earlier and +7% from the quarter before. Operating margin was 44.5%, net earnings $77.7M (36.9% of revenue).
Cathay General Bancorp, Q3 2025: revenue $211M (+11% year over year), operating margin 44.5%, net earnings $77.7M, operating cash flow $151M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $211M | +7% | +11% |
| Operating profit | $93.8M | -3% | +20% |
| Net earnings | $77.7M | +0.3% | +15% |
| Operating cash flow | $151M | +135% | +85% |
| Free cash flow | $150M | +139% | +88% |
What changed
Revenue was $210.6M in Q3 2025, up 11% year over year and up 7% from the previous quarter.
Operating profit was $93.8M, a 44.5% margin (up 3.3 points year over year). Of the extra revenue versus a year earlier, 74% reached operating profit, above the 41% margin then. Total costs grew 5% against revenue growth of 11%. The fastest-growing cost line was Credit loss provision (+98%). Net earnings were $77.7M, up 15% year over year. The effective tax rate was 17.2%.
Operating cash flow was $150.6M (up 85% year over year), 194% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $2.0M of share-based compensation. Working capital and other items added $69.3M. Capital expenditures of $495K left free cash flow of $150.1M.
Questions
What was Cathay General Bancorp's revenue in the third quarter 2025?
Cathay General Bancorp (CATY) reported revenue of $211M for the third quarter 2025 (Q3 2025), +11% from a year earlier and +7% from the quarter before.
Was Cathay General Bancorp profitable in the third quarter 2025?
Operating profit was $93.8M (44.5% of revenue) and net earnings $77.7M.