Cathay General Bancorp — Earnings Quality Grade B
CATY · Financial Services
Generally healthy
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 43 days, change -6 days YoY
AR growth -0.8% vs revenue growth 12.1%
Revenue 12.1%, CFFO 12.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 35.1% is >2x revenue growth 12.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.17. Profits backed by cash
FCF $0.4B, FCF/NI = 1.15
Accruals ratio = -0.2%. Low accruals
Cash $0.1B covers 85% of debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Cathay General Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25