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Cathay General Bancorp (CATY) investor relations material
Cathay General Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q3 2025 net income was $77.7M, or $1.13 per diluted share, up from Q2 2025; total revenue reached $210.6M and total assets were $24.1B as of September 30, 2025.
Loans and deposits grew to $20.1B and $20.5B, respectively, with a net loans-to-deposit ratio of 97%.
Repurchased 1.07M shares at $46.81/share, totaling $50.1M under a $150M buyback program.
Year-to-date net income reached $224.6M, a 9.1% increase year-over-year.
Financial highlights
Net interest income rose 5% quarter-over-quarter to $189.6M; net interest margin increased to 3.31% from 3.27% in Q2 2025.
Noninterest income rose 36.4% to $21M, mainly due to mark-to-market gains on equity securities.
Noninterest expense decreased by 1.2% to $88.1M, with an improved efficiency ratio of 41.84%.
Book value per share was $42.50, up 1.02% sequentially and 7.16% year-over-year.
Pre-tax pre-provision income ratio remained stable at 1.92% for Q3 2025.
Outlook and guidance
Loan and deposit growth guidance raised to 3.5%-5% for 2025.
Core noninterest expense projected to grow 4.5%-5.5%.
Net interest margin guidance between 3.25%-3.35%; effective tax rate estimated at 18.5%-19%.
Management expects fixed-rate loans to support yields as market rates decline.
Net interest margin projected to rise 6-7 bps for every 25 bps Fed funds rate cut over six months.
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