Loading...
•
Dec 31, 2025
Cathay General Q4 2025 Earnings Report
Cathay General reported strong fourth quarter results with increased net income and improved efficiency.
Key Takeaways
Cathay General Bancorp delivered solid Q4 2025 results with higher net income and EPS driven by improved net interest margin and lower provision for credit losses.
Net income rose to $90.5 million in Q4 2025, up from $80.2 million in Q4 2024.
EPS increased to $1.33 from $1.12 year-over-year.
Net interest margin improved to 3.36% from 3.07% in Q4 2024.
Efficiency ratio improved significantly to 41.36% from 45.70% a year ago.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Cathay General expects to maintain strong capital levels and stable net interest margins amid changing interest rate environments.
Positive Outlook
- Continued strength in net interest margin performance.
- Improved efficiency ratio driven by cost control.
- Loan portfolio growth led by commercial and real estate lending.
- Reduction in provision for credit losses.
- Strong capital ratios exceeding regulatory well-capitalized thresholds.
Challenges Ahead
- Slight decline in yield on interest-earning assets.
- Declining interest rates impacting loan yields.
- Higher effective tax rate in Q4 compared to Q3.
- Slight decline in total assets from Q3.
- Equity decreased due to share repurchases.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...