Cathay General Bancorp
cathaybank.comWhat Do They Do?
Provides deposit accounts, business and consumer loans, and investment services to individuals, professionals, and small to medium-sized businesses.
10-K for FY2025, filed Mar 2, 2026As a commercial bank, the Bank offers products and services to businesses, such as checking and deposit, lines of credits, commercial and…View ↗
The Bank primarily services individuals, professionals, and small to medium-sized businesses in the local markets in which its branches are…View ↗
Through its Cathay Wealth Management business unit, the Bank offers clients a range of investment products and services, such as stocks…View ↗
How Do They Make Money?
Wealth-management clients pay variable fees for planning and investment services, generally monthly; deposit clients incur fees as account activities occur, and other service fees include letters of credit, wire transfers and foreign-exchange transactions.
10-K for FY2025, filed Mar 2, 2026The Company employs financial consultants to provide investment planning services for clients including wealth management services, asset…View ↗
Fees and service charges on deposit accounts include charges for analysis, overdraft, cash checking, ATM, and safe deposit activities…View ↗
(1) Other service fees comprise of fees related to letters of credit, wire fees, fees on foreign exchange transactions and other immaterial…View ↗
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10-K for FY2025, filed Mar 2, 2026
FY2025 revenue by product or service ↗
$53.8M
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10-K for FY2025, filed Mar 2, 2026
$53.8M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Fees and Services Charges on Deposit Account
Usage-based
10-K for FY2025, filed Mar 2, 2026 |
19%
FY2022: 22%
|
Fees and Services Charges on Deposit Account, FY2025
$10.3M Sources
|
Usage-based |
|
Wealth Management Fees
Recurring
10-K for FY2025, filed Mar 2, 2026 |
44%
FY2022: 39%
|
Wealth Management Fees, FY2025
$23.7M Sources
|
Recurring |
|
Other Service Fees
Usage-based
10-K for FY2025, filed Mar 2, 2026 |
37%
FY2022: 39%
|
Other Service Fees, FY2025
$19.8M Sources
|
Usage-based |
Who Are Their Customers?
Customers open accounts and seek loans through the Bank’s branches; loan applications also come from walk-ins, existing-client or broker referrals, and advertising.
10-K for FY2025, filed Mar 2, 2026
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 676 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 38% in 4 years, from $39.1M in FY2021 to $53.8M in FY2025, about 8% a year.
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