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Cathay General Bancorp
Cathay General Bancorp (CATY) investor relations material
Cathay General Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $90.5 million, up 17% sequentially and 13% year-over-year; full-year net income reached $315.1 million, a 10.2% increase year-over-year.
Diluted EPS for Q4 2025 was $1.33, up 18.3% from Q3 and 19% from Q4 2024; full-year diluted EPS was $4.54, up 15% year-over-year.
Total revenue for Q4 2025 was $222.8 million, up 6% sequentially and 19% year-over-year; full-year revenue was $817.9 million, up 12% year-over-year.
1.1 million shares repurchased in Q4 for $51.9 million at an average cost of $47.15 per share; $12 million remains under the current buyback program, with a new program planned.
Financial highlights
Net interest margin rose to 3.36% in Q4 from 3.31% in Q3, up 29 bps year-over-year.
Net interest income for Q4 2025 was $195.0 million, up 3% sequentially and 14% year-over-year; non-interest income in Q4 was $27.8 million, up 32.2% sequentially.
Non-interest expense in Q4 increased by $4.1 million or 4.6% sequentially, mainly due to higher bonus accruals.
Q4 provision for credit losses was $17.2 million, down from $28.7 million in Q3; net charge-offs were $5.4 million, down from $15.6 million in Q3.
Efficiency ratio improved to 41.36% in Q4 2025, down 48 bps sequentially and 434 bps year-over-year.
Outlook and guidance
Loan growth for 2026 expected between 3.5% and 4.5%; deposit growth projected at 4% to 5%.
Net interest margin for 2026 anticipated to range from 3.4% to 3.5%.
Core non-interest expense expected to rise 3.5% to 4.5% in 2026.
Effective tax rate for 2026 expected between 20.5% and 21.5%.
Management anticipates two rate cuts in June and September 2026.
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Next Cathay General Bancorp earnings date
Q1 202620 Apr, 2026
Cathay General Bancorp
Next Cathay General Bancorp earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Cathay General Bancorp is a bank holding company that operates through its subsidiary, Cathay Bank. It provides commercial and personal banking services, including loans, deposit accounts, and international banking. The company serves individuals, professionals, and small to medium-sized businesses, with a focus on Asian-American communities. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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