Provides commercial banking products and services. Offers deposit products like checking and savings accounts. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 18% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 89% of them.
Analysts' average target sits 2% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 18% a year on average.
It pays out $1.48 per share each year — regular cash for whoever holds the stock.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, CATY sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CATY is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.