The earnings call presented a mixed picture with strong net income and loan growth, but also highlighted challenges such as increased net charge-offs and a rise in classified and nonaccrual loans.

Company Guidance -

Q3 2025

During Cathay General Bancorp's second quarter 2025 earnings call, the company reported a net income of $77.4 million, marking an 11.4% increase from the previous quarter. Diluted earnings per share rose by 12.2% to $1.10. The company repurchased approximately 804,179 shares at an average cost of $44.22 per share, totaling $35.6 million. Total gross loans grew by $432 million or 8.9% annualized, with commercial and commercial real estate loans contributing significantly. The 2025 loan growth guidance was revised to 3%-4% due to strong loan performance in Q2. The reserve-to-loan ratio slightly decreased to 0.88%, while total deposits increased by $189 million, driven by core and time deposits. The bank's net interest margin rose to 3.27%, influenced by improved net interest income and decreased cost of funds. Noninterest income also saw a rise, primarily due to changes in equity securities and increased foreign exchange income. Despite increased noninterest expenses, Cathay General Bancorp adjusted its effective tax rate guidance to 18.5%-19% following recent California tax legislation.

Significant Increase in Net Income

Cathay General Bancorp reported a net income of $77.4 million for Q2 2025, representing an 11.4% increase compared to $69.5 million in Q1 2025.

Earnings Per Share Growth

Diluted earnings per share increased by 12.2% to $1.10 for Q2 2025 compared to $0.98 in Q1 2025.

Strong Loan Growth

Total gross loans increased by $432 million or 8.9% annualized, with significant increases in commercial loans, commercial real estate loans, and residential loans.

Improvement in Deposit Growth

Total deposits grew by $189 million or 3.8% annualized in Q2 2025, largely due to increases in core deposits.

Cathay General Bancorp (CATY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CATY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.15 / -	0.94	―	―	―
Jul 22, 2025	2025 (Q2)	1.09 / 1.10	0.92	19.57% (+0.18)
Apr 21, 2025	2025 (Q1)	0.95 / 0.98	0.98	0.00% (0.00)
Jan 22, 2025	2024 (Q4)	1.10 / 1.12	1.13	-0.88% (>-0.01)
Oct 21, 2024	2024 (Q3)	0.95 / 0.94	1.13	-16.81% (-0.19)
Jul 22, 2024	2024 (Q2)	0.94 / 0.92	1.28	-28.13% (-0.36)
Apr 22, 2024	2024 (Q1)	0.98 / 0.98	1.32	-25.76% (-0.34)
Jan 24, 2024	2023 (Q4)	1.07 / 1.13	1.33	-15.04% (-0.20)
Oct 23, 2023	2023 (Q3)	1.09 / 1.13	1.35	-16.30% (-0.22)
Jul 24, 2023	2023 (Q2)	1.13 / 1.28	1.18	8.47% (+0.10)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CATY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$47.89	$48.53	+1.34%
Apr 21, 2025	$38.30	$41.02	+7.10%
Jan 22, 2025	$48.04	$46.18	-3.87%
Oct 21, 2024	$43.63	$44.41	+1.79%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Cathay General Bancorp (CATY) report earnings?

Cathay General Bancorp (CATY) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Cathay General Bancorp (CATY) earnings time?

Cathay General Bancorp (CATY) earnings time is at Oct 27, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CATY EPS forecast?

CATY EPS forecast for the fiscal quarter 2025 (Q3) is 1.15.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing