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Side-by-side financial comparison of CATHAY GENERAL BANCORP (CATY) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $222.8M, roughly 1.1× CATHAY GENERAL BANCORP). CATHAY GENERAL BANCORP runs the higher net margin — 653.4% vs 5.0%, a 648.4% gap on every dollar of revenue. On growth, CATHAY GENERAL BANCORP posted the faster year-over-year revenue change (19.5% vs 11.5%). CATHAY GENERAL BANCORP produced more free cash flow last quarter ($363.7M vs $14.9M). Over the past eight quarters, CATHAY GENERAL BANCORP's revenue compounded faster (12.8% CAGR vs 7.1%).
Cathay General Bancorp is a U.S.-headquartered bank holding company that operates Cathay Bank, offering full-spectrum commercial and personal banking services. It primarily serves Asian American communities and small-to-medium enterprises across major U.S. states including California, New York and Texas, as well as select Asian markets, with products covering deposits, loans, and wealth management solutions.
CATY vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $222.8M | $242.1M |
| Net Profit | $90.5M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | 50.9% | 6.8% |
| Net Margin | 653.4% | 5.0% |
| Revenue YoY | 19.5% | 11.5% |
| Net Profit YoY | 12.9% | -16.2% |
| EPS (diluted) | $1.33 | $0.12 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $222.8M | $242.1M | ||
| Q3 25 | $210.6M | $258.5M | ||
| Q2 25 | $196.6M | $240.7M | ||
| Q1 25 | $187.8M | $219.6M | ||
| Q4 24 | $186.5M | $217.2M | ||
| Q3 24 | $189.5M | $241.7M | ||
| Q2 24 | $178.5M | $224.9M | ||
| Q1 24 | $175.2M | $211.2M |
| Q4 25 | $90.5M | $12.1M | ||
| Q3 25 | $77.7M | $24.3M | ||
| Q2 25 | $77.5M | $19.9M | ||
| Q1 25 | $69.5M | $15.3M | ||
| Q4 24 | $80.2M | $14.4M | ||
| Q3 24 | $67.5M | $21.6M | ||
| Q2 24 | $66.8M | $15.8M | ||
| Q1 24 | $71.4M | $21.2M |
| Q4 25 | 50.9% | 6.8% | ||
| Q3 25 | 44.5% | 10.2% | ||
| Q2 25 | 49.0% | 9.2% | ||
| Q1 25 | 46.1% | 7.7% | ||
| Q4 24 | 46.5% | 7.9% | ||
| Q3 24 | 41.2% | 10.3% | ||
| Q2 24 | 40.7% | 8.4% | ||
| Q1 24 | 45.7% | 8.0% |
| Q4 25 | 653.4% | 5.0% | ||
| Q3 25 | 36.9% | 9.4% | ||
| Q2 25 | 39.4% | 8.3% | ||
| Q1 25 | 37.0% | 7.0% | ||
| Q4 24 | 587.9% | 6.6% | ||
| Q3 24 | 35.6% | 8.9% | ||
| Q2 24 | 37.4% | 7.0% | ||
| Q1 24 | 40.8% | 10.0% |
| Q4 25 | $1.33 | $0.12 | ||
| Q3 25 | $1.13 | $0.23 | ||
| Q2 25 | $1.10 | $0.19 | ||
| Q1 25 | $0.98 | $0.15 | ||
| Q4 24 | $1.11 | $0.13 | ||
| Q3 24 | $0.94 | $0.20 | ||
| Q2 24 | $0.92 | $0.15 | ||
| Q1 24 | $0.98 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | $119.1M | $84.0M |
| Stockholders' EquityBook value | $2.9B | $542.6M |
| Total Assets | $24.2B | $707.1M |
| Debt / EquityLower = less leverage | 0.04× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M | ||
| Q1 24 | — | $65.4M |
| Q4 25 | $119.1M | $84.0M | ||
| Q3 25 | $119.1M | $85.2M | ||
| Q2 25 | $119.1M | $96.2M | ||
| Q1 25 | $119.1M | $97.4M | ||
| Q4 24 | $119.1M | $98.6M | ||
| Q3 24 | $119.1M | $98.7M | ||
| Q2 24 | $119.1M | $123.8M | ||
| Q1 24 | $119.1M | $138.6M |
| Q4 25 | $2.9B | $542.6M | ||
| Q3 25 | $2.9B | $552.8M | ||
| Q2 25 | $2.9B | $548.3M | ||
| Q1 25 | $2.9B | $530.6M | ||
| Q4 24 | $2.8B | $554.5M | ||
| Q3 24 | $2.8B | $540.1M | ||
| Q2 24 | $2.8B | $532.7M | ||
| Q1 24 | $2.8B | $515.5M |
| Q4 25 | $24.2B | $707.1M | ||
| Q3 25 | $24.1B | $732.6M | ||
| Q2 25 | $23.7B | $731.8M | ||
| Q1 25 | $23.2B | $708.7M | ||
| Q4 24 | $23.1B | $746.4M | ||
| Q3 24 | $23.3B | $734.0M | ||
| Q2 24 | $23.2B | $756.8M | ||
| Q1 24 | $23.4B | $763.6M |
| Q4 25 | 0.04× | 0.15× | ||
| Q3 25 | 0.04× | 0.15× | ||
| Q2 25 | 0.04× | 0.18× | ||
| Q1 25 | 0.04× | 0.18× | ||
| Q4 24 | 0.04× | 0.18× | ||
| Q3 24 | 0.04× | 0.18× | ||
| Q2 24 | 0.04× | 0.23× | ||
| Q1 24 | 0.04× | 0.27× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $368.6M | $20.0M |
| Free Cash FlowOCF − Capex | $363.7M | $14.9M |
| FCF MarginFCF / Revenue | 163.2% | 6.2% |
| Capex IntensityCapex / Revenue | 2.2% | 2.1% |
| Cash ConversionOCF / Net Profit | 4.07× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $672.7M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $368.6M | $20.0M | ||
| Q3 25 | $150.6M | $33.2M | ||
| Q2 25 | $64.0M | $20.3M | ||
| Q1 25 | $99.0M | $10.1M | ||
| Q4 24 | $329.2M | $16.6M | ||
| Q3 24 | $81.2M | $28.6M | ||
| Q2 24 | $72.9M | $18.7M | ||
| Q1 24 | $88.2M | $15.0M |
| Q4 25 | $363.7M | $14.9M | ||
| Q3 25 | $150.1M | $27.6M | ||
| Q2 25 | $62.7M | $17.6M | ||
| Q1 25 | $96.3M | $8.4M | ||
| Q4 24 | $325.5M | $13.2M | ||
| Q3 24 | $80.0M | $27.5M | ||
| Q2 24 | $72.4M | $17.6M | ||
| Q1 24 | $87.3M | $13.7M |
| Q4 25 | 163.2% | 6.2% | ||
| Q3 25 | 71.3% | 10.7% | ||
| Q2 25 | 31.9% | 7.3% | ||
| Q1 25 | 51.2% | 3.8% | ||
| Q4 24 | 174.6% | 6.1% | ||
| Q3 24 | 42.2% | 11.4% | ||
| Q2 24 | 40.5% | 7.8% | ||
| Q1 24 | 49.8% | 6.5% |
| Q4 25 | 2.2% | 2.1% | ||
| Q3 25 | 0.2% | 2.2% | ||
| Q2 25 | 0.6% | 1.1% | ||
| Q1 25 | 1.4% | 0.8% | ||
| Q4 24 | 1.9% | 1.5% | ||
| Q3 24 | 0.6% | 0.5% | ||
| Q2 24 | 0.3% | 0.5% | ||
| Q1 24 | 0.5% | 0.6% |
| Q4 25 | 4.07× | 1.65× | ||
| Q3 25 | 1.94× | 1.36× | ||
| Q2 25 | 0.83× | 1.02× | ||
| Q1 25 | 1.42× | 0.66× | ||
| Q4 24 | 4.10× | 1.15× | ||
| Q3 24 | 1.20× | 1.33× | ||
| Q2 24 | 1.09× | 1.19× | ||
| Q1 24 | 1.23× | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CATY
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
