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CATY

Cathay General BancorpC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Record Q3 net interest income of $211.9 million, 3.52% margin and raised loan and deposit growth outlook support a cautiously positive earnings view. The packet's structured directional prior is positive, but durability matters more than the initial print.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -10.1.
What can break
Deposit repricing raised interest-bearing deposit costs, potentially compressing margin despite Q3 asset-yield gains. Company Q3 release
Momentum
67
Value
53
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $67.00 · Bull $76.00 · Bear $52.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $67.20
Why
Momentum67 · Δ7d +10.1
Value53 · Δ7d -1.7
Sentiment57 · Δ7d -10.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -10.1.

Contradictions & invalidation

  • • Deposit repricing raised interest-bearing deposit costs, potentially compressing margin despite Q3 asset-yield gains. Company Q3 release
  • • Q3 net charge-offs of $25.3 million were concentrated in one construction loan and two movie-theater commercial real-estate loans; recurrence would weaken the credit case. Company Q3 release
  • • Higher deposit costs and credit losses could offset growth.

Catalyst clock

2026-10-22

Post-earnings repricing

Lead driver: Sentiment · See AI snapshot
Momentum
67
8% active weight
Current posture
7d trendImproving
Δ7d
+10.1
Δ21d
+2.3
Value
53
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-2.0
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-10.1
Δ21d
-17.0
Why this grade

Composite grade C. Momentum 67.3 / Value 52.9 / Sentiment 56.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
20%
Probability
Target price
$76.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$4.27B
Beta
0.86
Shares Out
66.71M
P/E (TTM)
11.4
P/S (TTM)
4.29
P/FCF (TTM)
11.17
Rev YoY
-1.4%
EPS YoY
+24.2%
Gross Margin
-
Op Margin
+32.7%
Net Debt
$26.5M
Current Ratio
0.07
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data