Cathay General Bancorp vs BankUnited

This page compares Cathay General Bancorp and BankUnited, outlining their business models, financial performance, and the market context in which they operate. It highlights how each institution approaches customers, risk, and growth, helping readers understand differences in strategy and positioning. Educational content, not financial advice.

This page compares Cathay General Bancorp and BankUnited, outlining their business models, financial performance, and the market context in which they operate. It highlights how each institution appro...

Comparison Snapshot

Key Financial Metrics

CATY

Metric

BKU

$3.38B

Market Cap

$3.49B

-1.22%

Potential Profit

-9.50%

Hold

Analyst Rating

Hold

Investment Analysis

Cathay General Bancorp

CATY

Pros

Reported an 11% increase in net income in Q2 2025, showing rising profitability and operational efficiency with an impressive 45.34% efficiency ratio.
Strong capital ratios maintained while expanding loan portfolio and deposit base, indicating solid balance sheet health and growth capacity.
Return on assets and return on equity increased to 1.33% and 10.72% respectively in Q2 2025, reflecting improved financial performance.

Considerations

Recent revenue trends show a decline with annualized revenue falling 1.5% over the last two years, signaling possible headwinds in core business growth.
Faces intense competition within Asian-American community banking segment and from larger national banks, limiting market share expansion.
Stock price has declined nearly 12% over the last 12 months, and analyst consensus mostly holds a 'Hold' rating with limited upside expected.

BankUnited

BKU

Pros

BankUnited has demonstrated strong growth in loan originations and deposit gathering, supporting its expansion in key US markets.
The bank has maintained solid asset quality metrics, benefiting from conservative underwriting in a fluctuating economic environment.
Improving profitability metrics aided by rising net interest margins and controlled operating expenses enhance overall earnings potential.

Considerations

Exposure to cyclical risks in commercial real estate and regional economic fluctuations could impact loan performance and earnings stability.
Competition from both community banks and larger financial institutions remains high, putting pressure on margins and market share.
The bank's growth and profitability depend heavily on maintaining favourable interest rate spreads, which face uncertainty due to macroeconomic factors.

About The Companies

Cathay General Bancorp (CATY)

Cathay General Bancorp (CATY) is a US regional banking group with a market capitalisation of about $3.22 billion. It primarily provides commercial banking services, deposit-taking and credit to small and medium-sized businesses, property-related borrowers and local communities. Investors should know its earnings generally depend on net interest margin, loan growth and credit quality, and can be sensitive to economic cycles and interest-rate moves. The company’s size and regional focus can offer opportunities for steady deposit funding and relationship banking, but can also concentrate exposure to local market conditions. This summary is educational only and not personalised investment advice; values can rise and fall and past performance is no guarantee of future returns. Prospective investors should review regulatory filings, capital and asset-quality metrics, and consider whether a regional bank suits their risk tolerance and portfolio objectives.

BankUnited (BKU)

BankUnited, Inc. is the holding company for BankUnited, a US-based bank with a significant presence in key markets. It offers a comprehensive range of banking services to both commercial and consumer clients. Operations are centred in Florida, the New York metropolitan area, and Dallas, Texas, with a wholesale product office in Atlanta. The bank's core activities include commercial and real estate lending, residential mortgages, and consumer loans. On the deposit side, it provides traditional products like checking and savings accounts, money market accounts, and certificates of deposit. BankUnited also supports businesses with a suite of treasury, payments, and cash management services. This broad offering is delivered through its physical banking centres as well as national and online platforms, giving it a flexible approach to reaching customers. For potential investors, it's a company with a clear focus on major US regional economies.

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Comparison Snapshot