Cathay General (CATY Quick QuoteCATY - Free Report) reported $254.65 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 20.9%. EPS of $1.43 for the same period compares to $1.13 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $228.21 million, representing a surprise of +11.58%. The company delivered an EPS surprise of -0.69%, with the consensus EPS estimate being $1.44.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Cathay performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Ratio of net charge-offs to average loans: 0.5% versus 0.2% estimated by three analysts on average.
• Net Interest Margin: 3.5% compared to the 3.5% average estimate based on three analysts.
• Efficiency Ratio: 40.6% compared to the 39.6% average estimate based on three analysts.
• Tier 1 risk-based capital ratio: 13.5% versus 13.6% estimated by two analysts on average.
• Average balance - Total interest-earning assets: $23.87 billion compared to the $23.73 billion average estimate based on two analysts.
• Tier 1 leverage capital ratio: 11.1% versus the two-analyst average estimate of 11.3%.
• Total non-performing assets: $119.18 million compared to the $151.77 million average estimate based on two analysts.
• Total non-performing loans: $92.27 million compared to the $118.94 million average estimate based on two analysts.
• Total risk-based capital ratio: 15% versus the two-analyst average estimate of 15.2%.
• Letters of credit commissions: $2.09 million compared to the $2.36 million average estimate based on three analysts.
• Total Non-Interest Income: $42.77 million versus $20.52 million estimated by three analysts on average.
• Net interest income before provision for loan losses: $211.88 million versus the three-analyst average estimate of $207.66 million.

View all Key Company Metrics for Cathay here>>>

Shares of Cathay have returned -0.1% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.