Is CATY or CBNK more undervalued in 2026?

CirclFi compares Cathay General Bancorp (CATY) and Capital Bancorp, Inc. (CBNK) using 13 institutional-grade valuation models. CATY has a Quality of Company score of 8.4/10 while CBNK scores 8.9/10.

Which is a better buy — CATY or CBNK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CATY and CBNK valuations compare?

CATY at $57.36 and CBNK at $31.99 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CATY vs CBNK Valuation Comparison 2026 — Intrinsic Value Analysis

CATY

Banks - Regional

Cathay General Bancorp

Quality

8.4

out of 10

Value Trap

SAFE

Price

$57.36

Last close

Models

11/13

Active

CBNK

Banks - Regional

Capital Bancorp, Inc.

Quality

8.9

out of 10

Value Trap

—

Price

$31.99

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CATY Fair Value	CATY Upside	CBNK Fair Value	CBNK Upside
Bayesian DCF	Intrinsic	$23.07	-59.8%	$38.85	+21.5%
Earnings Power Value	Intrinsic	$38.38	-33.1%	$34.27	+7.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CATY vs CBNK — Which Stock Is More Undervalued?

CBNK scores higher with a 8.9/10 quality rating vs CATY's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Cathay General Bancorp (CATY) and Capital Bancorp, Inc. (CBNK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CATY currently trades at $57.36 with a QOC of 8.4/10, while CBNK trades at $31.99 with a QOC of 8.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).