Stock Ratings / Financials / CATY / dividends

FFIN (71) SFBS (69) UCB (74) FULT (67) ⌘ Pro Terminal →

Cathay General Bancorp (CATY) Dividend Safety Gauge & 10-Year DRIP Compounder

$65.35 +1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $65.35

Cathay General Bancorp (CATY) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $4.36B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CATY Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CATY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, Cathay General Bancorp (NASDAQ: CATY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $65.35 (+1.07% 1D, market cap $4.36B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CATY ranks #242 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CATY compare to FFIN and SFBS in the Financials sector?

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Within the Financials sector (Major Banks), CATY carries a Roarable C+ (67/100 RQD), trailing P/E of 13.8x, gross margin of —, and ROIC of 10.8%. By comparison, FFIN (First Financial Bankshares Inc.) holds a B- grade (71/100 RQD, P/E 17.4x, ROIC 13.2%, cap $4.41B) and SFBS (ServisFirst Bancshares Inc.) posts a C+ grade (69/100 RQD, P/E 16.0x, ROIC 15.0%, cap $4.43B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CATY?

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Per CATY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000861842), Cathay General Bancorp generated $0 in revenue, $315.1M in net income, and $363.7M in free cash flow against $24.23B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $65.35 (+0.00%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 9.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CATY)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY CATY SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 98% of 52W Range • RSI-14 at 64.5 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$59.12+1.4% Next Q

Q2 (-2Q)

Grade C+$59.96+7.2% Next Q

Q3 (-1Q)

Grade C+$64.30+1.6% Next Q

Current

Grade C+$65.35+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CATY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, CATY faces multiple-compression risk if 13.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($61.53) or 200D SMA ($57.46) invalidates the momentum regime and cuts Target Base ($68.00) toward Bear Floor ($53.04).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CATY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CATY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.95% Total Yield

2.15% Cash ($1.41/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

16.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,457

Est. Year-10 Shareholder Yield: $927/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.9K

Yr 2

$12.9K

Yr 3

$14.1K

Yr 4

$15.3K

Yr 5

$16.7K

Yr 6

$18.2K

Yr 7

$19.8K

Yr 8

$21.5K

Yr 9

$23.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CATY & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CATY and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CATY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.63%📐 HORIZONTAL RANGE

2026-10-30O $65.69H $65.69L $64.24C $65.35VOL 421.9K

RES: $67.89SUP: $57.92SMA50: $61.53SMA200: $57.46

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CATY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CATY Butterfly Map → + Track CATY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CATY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CATY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CATY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CATY)

Financials Rank #242 of 1096 ⚔️ FFIN vs CATY Full Matrix →

1. Head-to-Head Financials Peer Comparison (CATY vs. FFIN, SFBS, UCB, FULT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Cathay General Bancorp (CATY) ranks #242 by composite RQD confidence (67/100, grade C+) and #300 by equity capitalization ($4.36B). Within this direct 5-issuer industry benchmark cohort, FULT leads on earnings valuation at 11.5x trailing P/E, while SFBS leads on capital efficiency and profitability with 15.0% ROIC and — gross margin. UCB currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with CATY at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CATY ACTIVE Cathay General Bancorp	C+	67/100	13.8x	—	10.8%	+1.07%	$4.36B	Benchmark Subject
FFIN First Financial Bankshares Inc.	B-	71/100	17.4x	—	13.2%	+1.45%	$4.41B	/ffin-vs-caty →
SFBS ServisFirst Bancshares Inc.	C+	69/100	16.0x	—	15.0%	+1.66%	$4.43B	/sfbs-vs-caty →
UCB United Community Banks Inc.	B	74/100	13.7x	—	9.0%	+1.78%	$4.49B	/ucb-vs-caty →
FULT Fulton Financial Corporation	C+	67/100	11.5x	—	11.2%	+1.37%	$4.52B	/fult-vs-caty →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000861842

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Cathay General Bancorp (CATY) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $315.1M, operating cash flow of $368.6M, and free cash flow of $363.7M (+11.7% YoY). On the balance sheet, CATY closed FY2025 with $24.23B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$315.1M	$368.6M	$363.7M	$24.23B	—
FY2024 (FY)	2024-12-31	$0	$286.0M	$329.2M	$325.5M	$23.05B	—
FY2023 (FY)	2023-12-31	$0	$354.1M	$384.7M	$384.7M	—	—

3. CATY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CATY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CATY compare to FFIN and SFBS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CATY?

Where is CATY trading relative to its 50-day, 200-day, and 52-week technical levels?

CATY last traded at $65.35 (+1.07% on volume of 690,159 shares), positioning the stock +6.21% above its 50-day simple moving average ($61.53) and +13.73% above its 200-day simple moving average ($57.46). Across its 52-week range of $44.57 to $65.83, CATY sits at the 97.7% percentile with a 14-day RSI of 64.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($62.28 to $68.42).

CATY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CATY pay a dividend and is it safe?

Cathay General Bancorp (CATY) offers a 2.15% cash dividend yield ($1.41 annualized) and 3.95% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CATY RQD Cockpit CATY 12M Forecast CATY Earnings & Move CATY Dividends & DRIP CATY Insiders & 13F CATY Whale Options CATY Profit Sankey CATY News & Why