Fulton FinancialCathay General Bancorp

Fulton Financial vs Cathay General Bancorp

Fulton Financial and Cathay General Bancorp are compared on this page to help readers understand how their business models, financial performance, and market context relate to each other. The content ...

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Investment Analysis

Pros

  • Fulton Financial reported a strong Q3 2025 performance with operating earnings of $101.3 million and EPS of $0.55, beating analyst expectations.
  • The company achieved an improved net interest margin of 3.57%, supported by a 10 basis point increase and higher net interest income.
  • Fulton Financial demonstrates steady revenue growth with a 12.5% increase year-over-year, reaching $1.21 billion in the last twelve months.

Considerations

  • Despite earnings beat, deposit growth remains disappointing, limiting the company's ability to expand its loan book effectively.
  • The company’s non-interest expenses increased quarter-over-quarter by $3.8 million, indicating rising operating costs.
  • Fulton Financial’s stock price volatility is moderate with a beta of 0.84, which may reflect sensitivity to market and economic conditions.

Pros

  • Cathay General Bancorp has a solid market capitalization of around $3.2 billion with stable stock price performance near $46.32 per share.
  • The company pays a forward dividend yield of approximately 2.79%, providing consistent income to shareholders.
  • Cathay operates in competitive regional banking with a portfolio that balances commercial and consumer banking products, supporting stable growth.

Considerations

  • Cathay General Bancorp maintains a lower dividend yield compared to some peers, potentially making it less attractive for income-focused investors.
  • The company faces exposure to regional economic cycles which may impact its credit quality and loan demand.
  • Analyst coverage and investor sentiment appear limited compared to larger peers, which could affect stock liquidity and market visibility.

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