Community Trust Bancorp (CTBI) Financials

$57.62 +1.53 (+2.73%)

Closing price 09/18/2025 04:00 PM Eastern

Extended Trading

$57.66 +0.05 (+0.08%)

As of 09/18/2025 04:10 PM Eastern

Annual Income Statements for Community Trust Bancorp

This table shows Community Trust Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	43	46	47	51	59	65	60	88	82	78	83
Consolidated Net Income / (Loss)	43	46	47	51	59	65	60	88	82	78	83
Net Income / (Loss) Continuing Operations	43	46	47	51	59	65	60	88	82	78	83
Total Pre-Tax Income	62	65	66	69	71	72	70	111	101	99	107
Total Revenue	177	179	181	186	194	195	206	224	227	231	249
Net Interest Income / (Expense)	132	132	133	137	142	145	151	163	169	173	186
Total Interest Income	144	144	147	156	171	185	176	178	198	269	313
Loans and Leases Interest Income	130	132	135	143	156	166	161	161	170	232	275
Investment Securities Interest Income	14	12	11	12	13	15	14	17	25	30	28
Federal Funds Sold and Securities Borrowed Interest Income	0.38	0.32	0.62	1.28	2.78	0.16	0.06	0.03	0.12	0.28	0.43
Other Interest Income	-	-	-	-	-	4.43	0.70	0.37	2.44	6.83	10
Total Interest Expense	12	12	14	18	29	41	25	15	29	96	127
Deposits Interest Expense	9.80	9.62	11	14	24	33	21	13	24	81	113
Short-Term Borrowings Interest Expense	0.03	0.05	0.06	0.43	-0.03	0.04	0.00	0.00	0.02	1.00	0.02
Long-Term Debt Interest Expense	1.13	1.17	1.42	1.69	2.24	2.47	1.49	1.08	2.01	4.38	4.52
Federal Funds Purchased and Securities Sold Interest Expense	0.84	0.94	1.16	1.83	3.31	4.63	2.79	1.25	2.54	8.99	10
Total Non-Interest Income	45	47	48	49	52	50	55	60	58	58	63
Trust Fees by Commissions	11	11	11	12	13	12	12	15	14	14	17
Other Service Charges	30	32	8.02	8.05	8.44	6.59	7.38	36	40	38	39
Net Realized & Unrealized Capital Gains on Investments	1.26	1.87	2.35	1.39	1.20	2.66	9.00	6.66	1.36	1.39	0.93
Other Non-Interest Income	2.00	2.16	2.20	2.17	3.67	2.40	2.31	2.84	2.71	3.52	5.24
Provision for Credit Losses	8.76	8.65	7.87	7.52	6.17	4.82	16	-6.39	4.91	6.81	11
Total Non-Interest Expense	106	105	107	110	117	118	119	119	121	125	131
Salaries and Employee Benefits	54	55	57	59	62	63	66	74	72	74	79
Net Occupancy & Equipment Expense	19	18	17	18	18	18	19	19	20	22	23
Marketing Expense	2.42	2.43	2.61	2.72	3.00	3.28	2.98	2.93	3.01	3.21	3.13
Property & Liability Insurance Claims	4.84	4.62	3.70	2.91	2.81	2.23	2.69	2.54	2.61	3.61	3.68
Other Operating Expenses	24	24	24	25	30	28	25	17	23	23	21
Income Tax Expense	19	19	19	17	11	7.45	11	23	19	21	24
Basic Earnings per Share	$2.50	$2.66	$2.70	$2.92	$3.35	$3.64	$3.35	$4.94	$4.59	$4.36	$4.61
Weighted Average Basic Shares Outstanding	17.33M	17.43M	17.55M	17.63M	17.69M	17.72M	17.75M	17.79M	17.84M	17.89M	17.95M
Diluted Earnings per Share	$2.49	$2.66	$2.70	$2.92	$3.35	$3.64	$3.35	$4.94	$4.58	$4.36	$4.61
Weighted Average Diluted Shares Outstanding	17.40M	17.48M	17.57M	17.65M	17.70M	17.74M	17.76M	17.80M	17.85M	17.90M	17.98M
Weighted Average Basic & Diluted Shares Outstanding	17.30M	17.50M	17.50M	17.60M	17.70M	17.82M	17.83M	17.88M	17.98M	18.02M	18.10M
Cash Dividends to Common per Share	$1.18	$1.22	$1.26	$1.30	$1.38	$1.48	$1.53	$1.57	$1.68	$1.80	$1.86

This table shows Community Trust Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	19	22	19	19	21	19	19	19	22	22	22
Consolidated Net Income / (Loss)	19	22	19	19	21	19	19	19	22	22	22
Net Income / (Loss) Continuing Operations	19	22	19	19	21	19	19	19	22	22	22
Total Pre-Tax Income	24	27	25	25	26	23	24	26	28	29	28
Total Revenue	58	59	58	58	59	57	59	61	63	66	66
Net Interest Income / (Expense)	44	45	44	43	43	43	44	46	47	50	51
Total Interest Income	51	57	61	65	69	73	75	77	80	82	82
Loans and Leases Interest Income	44	49	52	56	60	63	65	67	71	72	73
Investment Securities Interest Income	6.57	7.27	7.44	7.48	7.50	7.53	7.39	6.99	6.65	6.48	6.39
Federal Funds Sold and Securities Borrowed Interest Income	0.03	0.07	0.08	0.06	0.06	0.06	0.10	0.10	0.14	0.10	0.09
Other Interest Income	1.11	0.98	1.35	1.29	1.62	2.58	2.59	2.12	2.04	3.35	2.65
Total Interest Expense	7.87	13	17	22	26	30	31	31	33	32	31
Deposits Interest Expense	6.65	11	14	18	22	27	28	27	29	29	27
Long-Term Debt Interest Expense	0.56	0.79	1.03	1.09	1.15	1.11	1.16	1.17	1.13	1.06	1.01
Federal Funds Purchased and Securities Sold Interest Expense	0.67	1.28	1.62	2.19	2.52	2.66	2.58	2.64	2.68	2.50	2.32
Total Non-Interest Income	15	14	14	15	15	14	15	16	16	16	15
Trust Fees by Commissions	3.44	3.30	3.43	3.74	3.73	3.60	4.01	4.42	4.27	4.50	4.48
Other Service Charges	10	9.61	9.06	10	10	8.99	9.42	9.83	9.79	10	8.86
Net Realized & Unrealized Capital Gains on Investments	0.08	0.29	0.34	0.28	0.46	0.31	0.42	-0.36	0.29	0.57	0.53
Other Non-Interest Income	0.74	0.57	0.86	0.74	1.11	0.82	1.29	1.82	1.21	0.92	1.04
Provision for Credit Losses	2.41	1.54	1.12	2.01	1.87	1.82	2.66	2.97	2.74	2.59	3.57
Total Non-Interest Expense	31	30	32	31	31	32	32	32	33	34	34
Salaries and Employee Benefits	19	18	19	18	18	18	20	20	20	20	20
Net Occupancy & Equipment Expense	5.17	4.92	5.33	5.28	5.29	5.68	5.55	5.76	5.88	6.20	6.30
Marketing Expense	0.77	0.83	0.82	0.70	0.77	0.92	0.58	0.86	0.88	0.82	0.67
Property & Liability Insurance Claims	0.60	0.64	0.87	0.99	0.85	0.90	0.86	0.94	0.93	0.94	1.25
Other Operating Expenses	5.71	8.16	5.96	5.75	5.90	5.68	5.12	5.28	5.31	5.62	5.87
Income Tax Expense	4.95	4.27	5.28	5.40	5.29	4.60	5.17	6.49	5.37	6.84	6.42
Basic Earnings per Share	$1.09	$1.25	$1.08	$1.09	$1.15	$1.04	$1.04	$1.09	$1.23	$1.25	$1.22
Weighted Average Basic Shares Outstanding	17.84M	17.84M	17.87M	17.88M	17.89M	17.89M	17.93M	17.94M	17.96M	17.95M	18.00M
Diluted Earnings per Share	$1.08	$1.25	$1.08	$1.08	$1.15	$1.05	$1.04	$1.09	$1.23	$1.25	$1.22
Weighted Average Diluted Shares Outstanding	17.86M	17.85M	17.88M	17.89M	17.90M	17.90M	17.94M	17.96M	17.99M	17.98M	18.02M
Weighted Average Basic & Diluted Shares Outstanding	17.92M	17.98M	17.98M	17.99M	18.00M	18.02M	18.03M	18.05M	18.06M	18.10M	18.11M

This table details how cash moves in and out of Community Trust Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-1.12	82	-43	31	-34	123	74	-26	-183	143	98
Net Cash From Operating Activities	58	55	61	62	65	83	62	116	100	86	105
Net Cash From Continuing Operating Activities	58	55	61	62	65	83	62	116	100	86	105
Net Income / (Loss) Continuing Operations	43	46	47	51	59	65	60	88	82	78	83
Consolidated Net Income / (Loss)	43	46	47	51	59	65	60	88	82	78	83
Provision For Loan Losses	8.76	8.65	7.87	7.52	-	4.82	16	-6.39	4.91	6.81	11
Depreciation Expense	4.31	3.93	3.90	4.01	3.79	5.52	5.35	5.03	5.22	5.35	5.00
Amortization Expense	2.66	3.10	2.45	3.44	4.68	5.04	5.91	8.01	5.47	2.66	2.56
Non-Cash Adjustments to Reconcile Net Income	1.83	3.27	1.73	0.22	7.77	3.08	-26	20	3.77	0.29	-1.92
Changes in Operating Assets and Liabilities, net	-3.28	-10	-1.88	-4.25	-9.97	0.47	2.04	0.83	-1.49	-7.38	5.76
Net Cash From Investing Activities	-144	-108	-86	-187	-101	-34	-694	-359	-280	-227	-336
Net Cash From Continuing Investing Activities	-144	-108	-86	-187	-101	-34	-694	-359	-280	-227	-336
Purchase of Property, Leasehold Improvements and Equipment	-2.08	-2.25	-3.50	-2.40	-2.83	-2.57	-1.48	-2.37	-6.22	-6.32	-8.08
Purchase of Investment Securities	-357	-243	-251	-438	-375	-244	-1,166	-669	-482	-374	-504
Sale of Property, Leasehold Improvements and Equipment	0.08	0.24	0.01	0.03	0.10	0.05	0.00	0.83	0.62	0.38	0.07
Sale and/or Maturity of Investments	215	137	168	254	277	212	474	311	208	153	177
Net Cash From Financing Activities	85	135	-18	155	1.28	74	705	216	-2.75	284	329
Net Cash From Continuing Financing Activities	85	135	-18	155	1.28	74	705	216	-2.75	284	329
Net Change in Deposits	19	107	101	183	42	100	611	328	82	298	346
Issuance of Debt	60	170	50	350	0.00	30	25	0.00	45	232	100
Issuance of Common Equity	1.99	2.08	2.99	1.51	1.23	1.26	0.93	0.97	1.04	1.13	1.77
Repayment of Debt	-0.12	-130	-150	-352	-0.41	-31	-25	-0.02	-45	-225	-100
Payment of Dividends	-21	-21	-22	-23	-24	-26	-27	-28	-30	-32	-33
Other Financing Activities, Net	25	8.49	0.96	-4.76	-17	0.93	122	-85	-56	9.78	15
Cash Interest Paid	12	12	13	17	29	41	27	15	27	90	126
Cash Income Taxes Paid	16	21	19	21	9.70	9.99	13	19	16	21	21

This table details how cash moves in and out of Community Trust Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	46	-131	107	-126	110	52	22	-132	79	129	-29
Net Cash From Operating Activities	26	27	25	15	25	20	26	20	37	22	37
Net Cash From Continuing Operating Activities	26	27	25	15	25	20	26	20	37	22	37
Net Income / (Loss) Continuing Operations	19	22	19	19	21	19	19	19	22	22	22
Consolidated Net Income / (Loss)	19	22	19	19	21	19	19	19	22	22	22
Provision For Loan Losses	2.41	1.54	1.12	2.01	1.87	1.82	2.66	2.97	2.74	2.59	3.57
Depreciation Expense	1.28	1.38	0.91	1.65	1.47	1.32	0.93	1.32	1.34	1.24	0.96
Amortization Expense	1.18	0.95	0.75	0.70	0.64	0.56	0.77	0.66	0.71	0.60	1.02
Non-Cash Adjustments to Reconcile Net Income	-1.53	3.65	1.10	-0.57	-0.94	0.70	0.04	0.55	0.98	-3.64	0.56
Changes in Operating Assets and Liabilities, net	3.51	-2.68	1.98	-7.75	1.47	-3.09	3.12	-5.07	8.78	-0.87	8.50
Net Cash From Investing Activities	-26	-27	-28	-128	-22	-49	-65	-86	-60	-124	-105
Net Cash From Continuing Investing Activities	-26	-27	-28	-128	-22	-49	-65	-86	-60	-124	-105
Purchase of Property, Leasehold Improvements and Equipment	-2.05	-1.91	-0.91	-1.17	-2.95	-1.30	-2.18	-1.52	-1.34	-3.03	-2.08
Purchase of Investment Securities	-72	-82	-68	-162	-58	-86	-120	-111	-125	-148	-219
Sale and/or Maturity of Investments	48	57	41	35	39	39	57	26	66	29	116
Other Investing Activities, net	-	-	0.00	-	0.24	-	0.00	0.94	0.55	-	0.62
Net Cash From Financing Activities	46	-131	110	-14	107	81	61	-66	103	231	39
Net Cash From Continuing Financing Activities	46	-131	110	-14	107	81	61	-66	103	231	39
Net Change in Deposits	62	-109	117	-27	111	97	60	-50	104	232	41
Issuance of Common Equity	0.26	0.29	0.28	0.28	0.28	0.29	0.29	0.28	0.92	0.28	0.28
Repayment of Debt	-0.01	-25	-50	-50	-125	-0.06	-0.06	-100	-0.06	-0.06	-0.06
Payment of Dividends	-7.82	-7.86	-7.87	-7.87	-8.22	-8.23	-8.26	-8.26	-8.45	-8.45	-8.46
Other Financing Activities, Net	-8.62	-15	-6.65	20	3.56	-7.37	9.39	-7.10	5.75	6.84	6.35
Cash Interest Paid	7.23	13	15	20	24	31	29	28	29	40	28
Cash Income Taxes Paid	3.55	4.03	0.58	12	5.32	3.10	0.16	11	6.32	3.41	0.00

This table presents Community Trust Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	3,724	3,904	3,932	4,136	4,202	4,366	5,139	5,418	5,380	5,770	6,193
Cash and Due from Banks	56	52	49	48	65	59	54	47	51	59	73
Interest Bearing Deposits at Other Banks	44	135	96	128	76	206	284	265	77	213	296
Time Deposits Placed and Other Short-Term Investments	8.20	3.83	0.98	9.80	3.92	0.25	0.25	0.25	0.25	0.25	0.25
Trading Account Securities	644	598	608	587	598	603	1,023	1,460	1,259	1,164	1,060
Loans and Leases, Net of Allowance	2,699	2,838	2,902	3,087	3,173	3,214	-48	0.00	-46	-50	-55
Allowance for Loan and Lease Losses	34	36	36	36	36	35	48	-	46	50	55
Premises and Equipment, Net	50	48	48	46	45	44	42	40	43	45	50
Goodwill	65	65	65	65	65	65	65	65	65	65	65
Other Assets	151	163	163	165	175	174	3,718	3,540	3,885	4,220	4,649
Total Liabilities & Shareholders' Equity	3,724	3,904	3,932	4,136	4,202	4,366	5,139	5,418	5,380	5,770	6,193
Total Liabilities	3,276	3,428	3,432	3,606	3,637	3,751	4,484	4,720	4,752	5,067	5,436
Non-Interest Bearing Deposits	678	750	768	791	803	866	1,141	1,331	1,395	1,261	1,243
Interest Bearing Deposits	2,197	2,231	2,313	2,473	2,503	2,540	2,875	3,013	3,031	3,464	3,828
Federal Funds Purchased and Securities Sold	11	3.60	4.82	7.31	1.18	7.91	0.50	0.50	0.50	0.50	0.50
Short-Term Debt	235	251	251	244	233	227	356	271	215	225	240
Accrued Interest Payable	-	-	-	-	2.90	2.84	1.24	1.02	2.24	7.39	8.38
Long-Term Debt	123	162	62	60	60	58	58	58	58	65	64
Other Long-Term Liabilities	33	30	32	30	35	50	52	45	50	45	52
Total Equity & Noncontrolling Interests	448	476	501	531	564	615	655	698	628	702	758
Total Preferred & Common Equity	448	476	501	531	564	615	655	698	628	702	758
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	448	476	501	531	564	615	655	698	628	702	758
Common Stock	302	305	308	310	312	314	315	316	319	321	324
Retained Earnings	145	170	195	224	259	297	327	387	439	484	532
Accumulated Other Comprehensive Income / (Loss)	1.16	1.01	-2.30	-3.51	-6.61	4.25	14	-4.85	-129	-103	-98

This table presents Community Trust Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	5,447	5,474	5,529	5,521	5,635	5,850	5,804	5,963	6,277
Cash and Due from Banks	75	61	297	49	69	56	55	86	69
Interest Bearing Deposits at Other Banks	136	199	175	58	150	237	107	155	272
Time Deposits Placed and Other Short-Term Investments	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.25
Trading Account Securities	1,405	1,302	1,244	1,204	1,139	1,115	1,094	1,101	1,013
Loans and Leases, Net of Allowance	0.00	0.00	-47	-48	-49	-51	-52	-53	-57
Allowance for Loan and Lease Losses	-	-	47	48	49	51	52	53	57
Premises and Equipment, Net	41	42	43	43	45	47	47	48	51
Goodwill	65	65	65	65	65	65	65	65	65
Other Assets	3,722	3,806	3,980	4,147	4,215	4,330	4,436	4,507	4,807
Total Liabilities & Shareholders' Equity	5,447	5,474	5,529	5,521	5,635	5,850	5,804	5,963	6,277
Total Liabilities	4,815	4,872	4,869	4,861	4,982	5,143	5,085	5,202	5,492
Non-Interest Bearing Deposits	1,408	1,481	1,410	1,361	1,314	1,275	1,242	1,205	1,236
Interest Bearing Deposits	3,065	3,054	3,134	3,156	3,314	3,510	3,492	3,634	3,876
Federal Funds Purchased and Securities Sold	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50
Short-Term Debt	239	230	209	229	233	235	228	233	247
Accrued Interest Payable	1.86	2.50	4.14	5.62	8.21	9.37	12	16	11
Long-Term Debt	58	58	65	65	65	65	64	64	64
Other Long-Term Liabilities	43	45	47	44	48	49	46	49	59
Total Equity & Noncontrolling Interests	632	603	657	660	653	708	719	761	784
Total Preferred & Common Equity	632	603	657	660	653	708	719	761	784
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	632	603	657	660	653	708	719	761	784
Common Stock	317	318	319	320	320	322	322	324	325
Retained Earnings	412	424	450	462	474	493	504	518	545
Accumulated Other Comprehensive Income / (Loss)	-98	-139	-112	-121	-141	-107	-107	-81	-86

This table displays calculated financial ratios and metrics derived from Community Trust Bancorp's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-3.72%	1.08%	1.34%	2.45%	4.41%	0.50%	5.37%	8.75%	1.56%	1.65%	7.71%
EBITDA Growth	-5.89%	3.78%	1.15%	4.31%	4.02%	4.48%	-1.25%	51.73%	-9.67%	-4.61%	7.20%
EBIT Growth	-4.26%	4.11%	2.31%	3.08%	2.96%	2.06%	-2.40%	57.47%	-8.68%	-2.45%	8.24%
NOPAT Growth	-4.25%	7.35%	1.97%	8.76%	15.02%	8.97%	-7.80%	47.79%	-6.97%	-4.66%	6.17%
Net Income Growth	-4.25%	7.35%	1.97%	8.76%	15.02%	8.97%	-7.80%	47.79%	-6.97%	-4.66%	6.17%
EPS Growth	-4.96%	6.83%	1.50%	8.15%	14.73%	8.66%	-7.97%	47.46%	-7.29%	-4.80%	5.73%
Operating Cash Flow Growth	-36.58%	-4.43%	11.72%	1.51%	5.03%	27.44%	-25.26%	85.47%	-13.84%	-14.00%	22.68%
Free Cash Flow Firm Growth	-324.69%	52.99%	429.54%	-74.91%	21.23%	-43.36%	-617.99%	218.28%	60.47%	-105.95%	203.33%
Invested Capital Growth	17.91%	10.38%	-8.46%	2.55%	2.63%	5.07%	18.77%	-3.88%	-12.25%	10.02%	7.06%
Revenue Q/Q Growth	-0.28%	-0.30%	0.51%	0.86%	0.52%	0.62%	2.05%	0.88%	1.21%	-0.78%	3.75%
EBITDA Q/Q Growth	2.18%	4.38%	-0.10%	0.30%	2.06%	0.97%	1.30%	4.20%	1.50%	-3.53%	5.57%
EBIT Q/Q Growth	2.80%	5.14%	-0.66%	0.06%	2.44%	0.08%	0.87%	4.58%	2.65%	-3.39%	6.04%
NOPAT Q/Q Growth	2.94%	4.22%	-0.01%	6.29%	1.36%	0.47%	-0.30%	4.05%	4.06%	-4.63%	4.85%
Net Income Q/Q Growth	2.94%	4.22%	-0.01%	6.29%	1.36%	0.47%	-0.30%	4.05%	4.06%	-4.63%	4.85%
EPS Q/Q Growth	5.96%	3.91%	0.00%	6.18%	1.21%	0.55%	-0.59%	4.00%	3.85%	-4.39%	4.54%
Operating Cash Flow Q/Q Growth	-2.21%	11.17%	-11.78%	14.95%	-4.37%	10.46%	-1.86%	13.29%	-6.11%	-7.85%	2.37%
Free Cash Flow Firm Q/Q Growth	-312.55%	-56.72%	939.22%	253.93%	-58.66%	-36.16%	7.49%	14.40%	-9.57%	-155.07%	143.62%
Invested Capital Q/Q Growth	11.75%	12.68%	-1.30%	-6.54%	-0.55%	0.84%	-0.14%	-1.38%	1.21%	4.40%	0.34%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	39.16%	40.21%	40.13%	40.86%	40.70%	42.32%	39.66%	55.33%	49.22%	46.18%	45.97%
EBIT Margin	35.22%	36.28%	36.63%	36.85%	36.34%	36.91%	34.18%	49.50%	44.51%	42.71%	42.92%
Profit (Net Income) Margin	24.41%	25.93%	26.09%	27.70%	30.51%	33.09%	28.95%	39.34%	36.04%	33.80%	33.32%
Tax Burden Percent	69.32%	71.47%	71.24%	75.16%	83.96%	89.65%	84.69%	79.48%	80.97%	79.14%	77.62%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.68%	28.53%	28.76%	24.84%	16.04%	10.35%	15.31%	20.52%	19.03%	20.86%	22.38%
Return on Invested Capital (ROIC)	5.81%	5.48%	5.56%	6.25%	7.00%	7.35%	6.04%	8.39%	8.48%	8.24%	8.06%
ROIC Less NNEP Spread (ROIC-NNEP)	5.81%	5.48%	5.56%	6.25%	7.00%	7.35%	6.04%	8.39%	8.48%	8.24%	8.06%
Return on Net Nonoperating Assets (RNNOA)	4.24%	4.58%	4.14%	3.74%	3.82%	3.60%	3.33%	4.61%	3.86%	3.49%	3.28%
Return on Equity (ROE)	10.05%	10.06%	9.70%	9.99%	10.82%	10.95%	9.37%	13.00%	12.34%	11.73%	11.35%
Cash Return on Invested Capital (CROIC)	-10.63%	-4.39%	14.40%	3.73%	4.41%	2.40%	-11.11%	12.34%	21.53%	-1.30%	1.24%
Operating Return on Assets (OROA)	1.71%	1.70%	1.70%	1.70%	1.69%	1.68%	1.48%	2.10%	1.87%	1.77%	1.78%
Return on Assets (ROA)	1.18%	1.22%	1.21%	1.28%	1.42%	1.51%	1.25%	1.67%	1.52%	1.40%	1.38%
Return on Common Equity (ROCE)	10.05%	10.06%	9.70%	9.99%	10.82%	10.95%	9.37%	13.00%	12.34%	11.73%	11.35%
Return on Equity Simple (ROE_SIMPLE)	9.66%	9.76%	9.46%	9.70%	10.50%	10.50%	9.09%	12.60%	13.03%	11.11%	10.93%
Net Operating Profit after Tax (NOPAT)	43	46	47	51	59	65	60	88	82	78	83
NOPAT Margin	24.41%	25.93%	26.09%	27.70%	30.51%	33.09%	28.95%	39.34%	36.04%	33.80%	33.32%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.03%	41.67%	42.51%	42.91%	42.39%	43.35%	42.81%	42.92%	42.06%	42.68%	42.62%
Operating Expenses to Revenue	59.84%	58.89%	59.03%	59.10%	60.48%	60.62%	58.01%	53.36%	53.33%	54.34%	52.67%
Earnings before Interest and Taxes (EBIT)	62	65	66	69	71	72	70	111	101	99	107
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	69	72	73	76	79	83	82	124	112	107	114
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.97	0.91	1.28	1.18	0.97	1.08	0.85	0.97	1.19	1.07	1.25
Price to Tangible Book Value (P/TBV)	1.14	1.06	1.47	1.35	1.09	1.21	0.94	1.07	1.33	1.18	1.37
Price to Revenue (P/Rev)	2.46	2.42	3.53	3.38	2.81	3.42	2.70	3.04	3.29	3.25	3.82
Price to Earnings (P/E)	10.08	9.34	13.52	12.20	9.21	10.33	9.34	7.73	9.14	9.63	11.46
Dividend Yield	4.84%	4.93%	3.47%	3.66%	4.49%	3.95%	4.90%	4.12%	4.03%	4.31%	3.54%
Earnings Yield	9.92%	10.70%	7.40%	8.20%	10.86%	9.68%	10.71%	12.94%	10.94%	10.39%	8.73%
Enterprise Value to Invested Capital (EV/IC)	0.84	0.74	0.99	0.90	0.81	0.76	0.59	0.68	0.99	0.78	0.83
Enterprise Value to Revenue (EV/Rev)	3.84	3.66	4.45	4.02	3.57	3.52	3.07	3.12	3.93	3.33	3.55
Enterprise Value to EBITDA (EV/EBITDA)	9.80	9.11	11.09	9.84	8.76	8.32	7.75	5.64	7.99	7.22	7.73
Enterprise Value to EBIT (EV/EBIT)	10.90	10.10	12.15	10.90	9.82	9.55	8.99	6.30	8.83	7.80	8.28
Enterprise Value to NOPAT (EV/NOPAT)	15.72	14.13	17.06	14.51	11.69	10.65	10.61	7.93	10.91	9.86	10.67
Enterprise Value to Operating Cash Flow (EV/OCF)	11.82	11.93	13.15	11.98	10.57	8.23	10.12	6.02	8.95	8.97	8.40
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	6.59	24.29	18.57	32.54	0.00	5.39	4.30	0.00	69.23
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.80	0.87	0.63	0.57	0.52	0.46	0.63	0.47	0.44	0.41	0.40
Long-Term Debt to Equity	0.27	0.34	0.12	0.11	0.11	0.09	0.09	0.08	0.09	0.09	0.08
Financial Leverage	0.73	0.84	0.74	0.60	0.54	0.49	0.55	0.55	0.45	0.42	0.41
Leverage Ratio	8.49	8.26	8.03	7.82	7.62	7.27	7.49	7.80	8.14	8.38	8.20
Compound Leverage Factor	8.49	8.26	8.03	7.82	7.62	7.27	7.49	7.80	8.14	8.38	8.20
Debt to Total Capital	44.40%	46.52%	38.50%	36.42%	34.14%	31.68%	38.74%	32.05%	30.35%	29.21%	28.67%
Short-Term Debt to Total Capital	29.19%	28.25%	30.84%	29.21%	27.17%	25.21%	33.29%	26.38%	23.89%	22.71%	22.61%
Long-Term Debt to Total Capital	15.21%	18.26%	7.65%	7.21%	6.98%	6.47%	5.45%	5.67%	6.45%	6.51%	6.06%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	55.60%	53.48%	61.50%	63.58%	65.86%	68.32%	61.26%	67.95%	69.65%	70.79%	71.33%
Debt to EBITDA	5.16	5.75	4.30	4.00	3.70	3.45	5.08	2.66	2.45	2.72	2.67
Net Debt to EBITDA	3.52	3.09	2.30	1.57	1.86	0.25	0.93	0.14	1.30	0.17	-0.57
Long-Term Debt to EBITDA	1.77	2.26	0.86	0.79	0.76	0.71	0.71	0.47	0.52	0.61	0.56
Debt to NOPAT	8.27	8.91	6.62	5.90	4.94	4.42	6.96	3.74	3.34	3.72	3.68
Net Debt to NOPAT	5.64	4.79	3.54	2.31	2.48	0.31	1.27	0.20	1.77	0.23	-0.79
Long-Term Debt to NOPAT	2.83	3.50	1.32	1.17	1.01	0.90	0.98	0.66	0.71	0.83	0.78
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-79	-37	123	31	37	21	-109	129	208	-12	13
Operating Cash Flow to CapEx	2,877.84%	2,739.36%	1,761.04%	2,625.31%	2,394.41%	3,309.20%	4,211.95%	7,498.06%	1,780.71%	1,441.60%	1,313.34%
Free Cash Flow to Firm to Interest Expense	-6.71	-3.16	9.04	1.68	1.27	0.52	-4.30	8.58	7.25	-0.13	0.10
Operating Cash Flow to Interest Expense	4.88	4.67	4.53	3.41	2.24	2.06	2.45	7.67	3.48	0.90	0.83
Operating Cash Flow Less CapEx to Interest Expense	4.71	4.50	4.27	3.28	2.14	2.00	2.39	7.56	3.29	0.84	0.76
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	3.47	3.65	3.78	3.94	4.24	4.37	4.78	5.42	5.46	5.25	5.24
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	806	889	814	835	857	900	1,069	1,028	902	992	1,062
Invested Capital Turnover	0.24	0.21	0.21	0.23	0.23	0.22	0.21	0.21	0.24	0.24	0.24
Increase / (Decrease) in Invested Capital	122	84	-75	21	22	43	169	-41	-126	90	70
Enterprise Value (EV)	680	656	808	747	692	687	631	697	892	769	883
Market Capitalization	436	434	640	628	545	667	556	680	748	751	949
Book Value per Share	$25.69	$27.15	$28.41	$30.00	$31.81	$34.58	$36.77	$39.13	$35.05	$39.01	$41.95
Tangible Book Value per Share	$21.90	$23.39	$24.69	$26.29	$28.12	$30.89	$33.09	$35.46	$31.40	$35.37	$38.33
Total Capital	806	889	814	835	857	900	1,069	1,028	902	992	1,062
Total Debt	358	414	313	304	292	285	414	329	274	290	304
Total Long-Term Debt	123	162	62	60	60	58	58	58	58	65	64
Net Debt	244	222	168	119	147	20	76	17	145	18	-65
Capital Expenditures (CapEx)	2.00	2.01	3.49	2.38	2.74	2.52	1.48	1.54	5.60	5.95	8.01
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	358	414	313	304	292	285	414	329	274	290	304
Total Depreciation and Amortization (D&A)	6.98	7.03	6.36	7.44	8.47	11	11	13	11	8.01	7.57
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.50	$2.66	$2.70	$2.92	$3.35	$3.64	$3.35	$4.94	$4.59	$4.36	$4.61
Adjusted Weighted Average Basic Shares Outstanding	17.33M	17.43M	17.55M	17.63M	17.69M	17.72M	17.75M	17.79M	17.84M	17.89M	17.95M
Adjusted Diluted Earnings per Share	$2.49	$2.66	$2.70	$2.92	$3.35	$3.64	$3.35	$4.94	$4.58	$4.36	$4.61
Adjusted Weighted Average Diluted Shares Outstanding	17.40M	17.48M	17.57M	17.65M	17.70M	17.74M	17.76M	17.80M	17.85M	17.90M	17.98M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	17.48M	17.55M	17.66M	17.71M	17.77M	17.82M	17.83M	17.88M	17.98M	18.02M	18.10M
Normalized Net Operating Profit after Tax (NOPAT)	43	46	47	51	59	65	60	88	82	78	83
Normalized NOPAT Margin	24.41%	25.93%	26.09%	27.70%	30.51%	33.09%	28.95%	39.34%	36.04%	33.80%	33.32%
Pre Tax Income Margin	35.22%	36.28%	36.63%	36.85%	36.34%	36.91%	34.18%	49.50%	44.51%	42.71%	42.92%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.29	5.52	4.90	3.75	2.41	1.78	2.76	7.33	3.53	1.03	0.84
NOPAT to Interest Expense	3.67	3.94	3.49	2.81	2.02	1.59	2.34	5.83	2.86	0.82	0.65
EBIT Less CapEx to Interest Expense	5.12	5.35	4.65	3.62	2.31	1.71	2.70	7.23	3.33	0.97	0.77
NOPAT Less CapEx to Interest Expense	3.50	3.77	3.24	2.68	1.93	1.53	2.28	5.73	2.66	0.75	0.59
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	47.56%	45.94%	46.87%	44.63%	41.19%	40.65%	45.61%	31.74%	36.59%	41.26%	40.34%
Augmented Payout Ratio	47.56%	46.35%	47.67%	44.63%	41.19%	40.65%	47.46%	31.74%	36.59%	41.26%	40.34%

This table displays calculated financial ratios and metrics derived from Community Trust Bancorp's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	3.21%	4.88%	4.73%	4.60%	0.72%	-3.10%	1.96%	6.14%	7.04%	15.85%	12.67%
EBITDA Growth	-9.64%	6.03%	-4.11%	-4.79%	4.64%	-13.43%	-2.69%	3.01%	5.47%	24.00%	18.89%
EBIT Growth	-7.28%	10.81%	-0.69%	-1.72%	6.54%	-12.95%	-3.02%	4.80%	6.16%	26.12%	19.03%
NOPAT Growth	-8.37%	16.60%	-2.10%	-4.28%	6.48%	-16.86%	-3.28%	0.49%	7.34%	20.55%	17.63%
Net Income Growth	-8.37%	16.60%	-2.10%	-4.28%	6.48%	-16.86%	-3.28%	0.49%	7.34%	20.55%	17.63%
EPS Growth	-9.24%	15.74%	-2.70%	-5.26%	6.48%	-16.00%	-3.70%	0.93%	6.96%	19.05%	17.31%
Operating Cash Flow Growth	118.78%	-19.23%	-7.96%	-17.95%	-4.16%	-26.78%	3.87%	29.00%	45.93%	12.21%	39.71%
Free Cash Flow Firm Growth	242.56%	144.26%	-59.63%	-102.67%	-122.74%	-148.35%	-205.25%	-597.89%	-122.25%	33.66%	-21.52%
Invested Capital Growth	-14.49%	-12.25%	-3.35%	2.68%	6.66%	10.02%	7.83%	6.03%	11.39%	7.06%	8.75%
Revenue Q/Q Growth	5.29%	0.52%	-1.57%	0.41%	1.39%	-3.30%	3.57%	4.53%	2.24%	4.66%	0.73%
EBITDA Q/Q Growth	-6.08%	8.40%	-9.60%	3.45%	3.22%	-10.32%	1.62%	9.51%	5.69%	5.43%	-2.57%
EBIT Q/Q Growth	-3.61%	9.83%	-7.95%	0.85%	4.50%	-10.27%	2.55%	8.99%	5.86%	6.60%	-3.22%
NOPAT Q/Q Growth	-4.43%	15.85%	-13.95%	0.47%	6.31%	-9.55%	0.11%	4.39%	13.55%	1.59%	-2.32%
Net Income Q/Q Growth	-4.43%	15.85%	-13.95%	0.47%	6.31%	-9.55%	0.11%	4.39%	13.55%	1.59%	-2.32%
EPS Q/Q Growth	-5.26%	15.74%	-13.60%	0.00%	6.48%	-8.70%	-0.95%	4.81%	12.84%	1.63%	-2.40%
Operating Cash Flow Q/Q Growth	39.29%	3.96%	-7.69%	-38.62%	62.72%	-20.59%	30.95%	-23.77%	84.08%	-38.94%	63.28%
Free Cash Flow Firm Q/Q Growth	-16.55%	-12.97%	-65.14%	-110.54%	-611.13%	-85.09%	24.11%	30.13%	-126.47%	44.76%	-39.01%
Invested Capital Q/Q Growth	-4.10%	1.21%	3.57%	2.14%	-0.38%	4.40%	1.50%	0.44%	4.66%	0.34%	3.10%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	46.02%	49.62%	45.58%	46.96%	47.81%	44.34%	43.50%	45.57%	47.11%	47.45%	45.90%
EBIT Margin	41.79%	45.66%	42.70%	42.88%	44.20%	41.02%	40.61%	42.34%	43.84%	44.65%	42.91%
Profit (Net Income) Margin	33.28%	38.35%	33.53%	33.55%	35.18%	32.91%	31.81%	31.76%	35.28%	34.24%	33.21%
Tax Burden Percent	79.64%	84.00%	78.53%	78.24%	79.59%	80.23%	78.32%	75.02%	80.48%	76.69%	77.40%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.37%	16.00%	21.47%	21.76%	20.41%	19.77%	21.68%	24.98%	19.52%	23.31%	22.60%
Return on Invested Capital (ROIC)	7.72%	9.03%	8.10%	8.27%	8.89%	8.02%	7.60%	7.61%	8.42%	8.29%	8.09%
ROIC Less NNEP Spread (ROIC-NNEP)	7.72%	9.03%	8.10%	8.27%	8.89%	8.02%	7.60%	7.61%	8.42%	8.29%	8.09%
Return on Net Nonoperating Assets (RNNOA)	3.81%	4.10%	3.65%	3.78%	4.15%	3.40%	3.21%	3.23%	3.54%	3.37%	3.31%
Return on Equity (ROE)	11.53%	13.13%	11.75%	12.06%	13.03%	11.42%	10.81%	10.84%	11.96%	11.66%	11.40%
Cash Return on Invested Capital (CROIC)	23.76%	21.53%	11.98%	5.91%	2.44%	-1.30%	0.44%	2.03%	-2.91%	1.24%	-0.19%
Operating Return on Assets (OROA)	1.73%	1.92%	1.79%	1.82%	1.85%	1.70%	1.66%	1.76%	1.81%	1.86%	1.81%
Return on Assets (ROA)	1.37%	1.61%	1.40%	1.42%	1.47%	1.36%	1.30%	1.32%	1.46%	1.42%	1.40%
Return on Common Equity (ROCE)	11.53%	13.13%	11.75%	12.06%	13.03%	11.42%	10.81%	10.84%	11.96%	11.66%	11.40%
Return on Equity Simple (ROE_SIMPLE)	13.05%	0.00%	12.39%	12.20%	12.52%	0.00%	10.93%	10.77%	10.38%	0.00%	10.98%
Net Operating Profit after Tax (NOPAT)	19	22	19	19	21	19	19	19	22	22	22
NOPAT Margin	33.28%	38.35%	33.53%	33.55%	35.18%	32.91%	31.81%	31.76%	35.28%	34.24%	33.21%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	42.05%	40.36%	43.51%	41.99%	41.11%	44.17%	44.69%	42.69%	41.86%	41.42%	40.94%
Operating Expenses to Revenue	54.07%	51.71%	55.37%	53.64%	52.61%	55.78%	54.87%	52.82%	51.80%	51.41%	51.70%
Earnings before Interest and Taxes (EBIT)	24	27	25	25	26	23	24	26	28	29	28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	27	29	26	27	28	25	26	28	30	31	30
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.08	1.19	0.95	0.90	0.89	1.07	1.04	1.06	1.16	1.25	1.16
Price to Tangible Book Value (P/TBV)	1.22	1.33	1.06	1.00	0.99	1.18	1.15	1.17	1.27	1.37	1.27
Price to Revenue (P/Rev)	2.91	3.29	2.73	2.56	2.49	3.25	3.19	3.25	3.68	3.82	3.56
Price to Earnings (P/E)	8.31	9.14	7.70	7.38	7.09	9.63	9.55	9.89	11.16	11.46	10.59
Dividend Yield	4.49%	4.03%	4.93%	5.32%	5.52%	4.31%	4.43%	4.33%	3.79%	3.54%	3.71%
Earnings Yield	12.03%	10.94%	12.99%	13.55%	14.10%	10.39%	10.47%	10.11%	8.96%	8.73%	9.45%
Enterprise Value to Invested Capital (EV/IC)	0.77	0.99	0.46	0.82	0.69	0.78	0.74	0.89	0.89	0.83	0.81
Enterprise Value to Revenue (EV/Rev)	3.04	3.93	1.87	3.35	2.83	3.33	3.21	3.81	3.91	3.55	3.44
Enterprise Value to EBITDA (EV/EBITDA)	6.19	7.99	3.87	7.13	5.96	7.22	7.03	8.40	8.66	7.73	7.40
Enterprise Value to EBIT (EV/EBIT)	6.93	8.83	4.25	7.75	6.45	7.80	7.61	9.05	9.32	8.28	7.93
Enterprise Value to NOPAT (EV/NOPAT)	8.67	10.91	5.26	9.67	8.04	9.86	9.62	11.57	11.87	10.67	10.24
Enterprise Value to Operating Cash Flow (EV/OCF)	6.42	8.95	4.39	8.27	7.07	8.97	8.59	9.83	9.13	8.40	7.63
Enterprise Value to Free Cash Flow (EV/FCFF)	2.97	4.30	3.76	13.98	29.34	0.00	173.76	44.91	0.00	69.23	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.48	0.44	0.42	0.44	0.46	0.41	0.42	0.41	0.39	0.40	0.40
Long-Term Debt to Equity	0.10	0.09	0.10	0.10	0.10	0.09	0.09	0.09	0.08	0.08	0.08
Financial Leverage	0.49	0.45	0.45	0.46	0.47	0.42	0.42	0.42	0.42	0.41	0.41
Leverage Ratio	8.39	8.14	8.37	8.49	8.85	8.38	8.34	8.21	8.20	8.20	8.13
Compound Leverage Factor	8.39	8.14	8.37	8.49	8.85	8.38	8.34	8.21	8.20	8.20	8.13
Debt to Total Capital	32.36%	30.35%	29.40%	30.79%	31.28%	29.21%	29.71%	28.88%	28.13%	28.67%	28.39%
Short-Term Debt to Total Capital	25.83%	23.89%	22.44%	24.01%	24.48%	22.71%	23.31%	22.50%	22.04%	22.61%	22.52%
Long-Term Debt to Total Capital	6.53%	6.45%	6.96%	6.78%	6.80%	6.51%	6.41%	6.37%	6.08%	6.06%	5.87%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	67.64%	69.65%	70.60%	69.21%	68.72%	70.79%	70.29%	71.12%	71.87%	71.33%	71.61%
Debt to EBITDA	2.62	2.45	2.47	2.69	2.69	2.72	2.83	2.74	2.75	2.67	2.61
Net Debt to EBITDA	0.26	1.30	-1.79	1.68	0.70	0.17	0.05	1.22	0.52	-0.57	-0.25
Long-Term Debt to EBITDA	0.53	0.52	0.59	0.59	0.59	0.61	0.61	0.60	0.60	0.56	0.54
Debt to NOPAT	3.67	3.34	3.36	3.65	3.63	3.72	3.87	3.77	3.77	3.68	3.61
Net Debt to NOPAT	0.36	1.77	-2.44	2.28	0.95	0.23	0.07	1.68	0.72	-0.79	-0.35
Long-Term Debt to NOPAT	0.74	0.71	0.80	0.80	0.79	0.83	0.83	0.83	0.82	0.78	0.75
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	170	148	52	-5.45	-39	-72	-54	-38	-86	-48	-66
Operating Cash Flow to CapEx	1,708.93%	1,514.16%	2,766.26%	1,319.47%	869.06%	1,573.36%	1,198.81%	1,307.87%	2,891.25%	738.43%	1,761.29%
Free Cash Flow to Firm to Interest Expense	21.65	11.66	3.03	-0.25	-1.47	-2.36	-1.73	-1.23	-2.64	-1.47	-2.15
Operating Cash Flow to Interest Expense	3.33	2.14	1.47	0.71	0.95	0.66	0.83	0.64	1.12	0.69	1.19
Operating Cash Flow Less CapEx to Interest Expense	3.14	2.00	1.42	0.66	0.84	0.62	0.76	0.59	1.09	0.60	1.12
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	5.49	5.46	5.51	5.55	5.37	5.25	5.20	5.23	5.18	5.24	5.26
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	891	902	934	954	950	992	1,007	1,011	1,058	1,062	1,095
Invested Capital Turnover	0.23	0.24	0.24	0.25	0.25	0.24	0.24	0.24	0.24	0.24	0.24
Increase / (Decrease) in Invested Capital	-151	-126	-32	25	59	90	73	58	108	70	88
Enterprise Value (EV)	682	892	428	778	658	769	744	896	938	883	882
Market Capitalization	653	748	627	594	580	751	739	766	881	949	912
Book Value per Share	$33.66	$35.05	$36.54	$36.71	$36.30	$39.01	$39.48	$39.90	$42.14	$41.95	$43.32
Tangible Book Value per Share	$30.00	$31.40	$32.89	$33.07	$32.66	$35.37	$35.83	$36.27	$38.51	$38.33	$39.70
Total Capital	891	902	930	954	950	992	1,007	1,011	1,058	1,062	1,095
Total Debt	288	274	274	294	297	290	299	292	298	304	311
Total Long-Term Debt	58	58	65	65	65	65	65	64	64	64	64
Net Debt	28	145	-198	184	78	18	5.64	130	57	-65	-30
Capital Expenditures (CapEx)	1.54	1.80	0.91	1.17	2.89	1.27	2.18	1.52	1.27	3.03	2.08
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	288	274	277	294	297	290	299	292	298	304	311
Total Depreciation and Amortization (D&A)	2.46	2.32	1.66	2.36	2.11	1.88	1.70	1.98	2.05	1.84	1.98
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.09	$1.25	$1.08	$1.09	$1.15	$1.04	$1.04	$1.09	$1.23	$1.25	$1.22
Adjusted Weighted Average Basic Shares Outstanding	17.84M	17.84M	17.87M	17.88M	17.89M	17.89M	17.93M	17.94M	17.96M	17.95M	18.00M
Adjusted Diluted Earnings per Share	$1.08	$1.25	$1.08	$1.08	$1.15	$1.05	$1.04	$1.09	$1.23	$1.25	$1.22
Adjusted Weighted Average Diluted Shares Outstanding	17.86M	17.85M	17.88M	17.89M	17.90M	17.90M	17.94M	17.96M	17.99M	17.98M	18.02M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	17.92M	17.98M	17.98M	17.99M	18.00M	18.02M	18.03M	18.05M	18.06M	18.10M	18.11M
Normalized Net Operating Profit after Tax (NOPAT)	19	22	19	19	21	19	19	19	22	22	22
Normalized NOPAT Margin	33.28%	38.35%	33.53%	33.55%	35.18%	32.91%	31.81%	31.76%	35.28%	34.24%	33.21%
Pre Tax Income Margin	41.79%	45.66%	42.70%	42.88%	44.20%	41.02%	40.61%	42.34%	43.84%	44.65%	42.91%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.09	2.10	1.44	1.14	0.98	0.77	0.76	0.84	0.84	0.90	0.92
NOPAT to Interest Expense	2.46	1.77	1.13	0.89	0.78	0.61	0.59	0.63	0.68	0.69	0.71
EBIT Less CapEx to Interest Expense	2.90	1.96	1.39	1.09	0.87	0.72	0.69	0.79	0.80	0.81	0.85
NOPAT Less CapEx to Interest Expense	2.27	1.62	1.08	0.84	0.67	0.57	0.53	0.58	0.64	0.60	0.65
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	37.13%	36.59%	37.68%	39.01%	38.90%	41.26%	42.11%	42.56%	42.03%	40.34%	39.03%
Augmented Payout Ratio	37.13%	36.59%	37.68%	39.01%	38.90%	41.26%	42.11%	42.56%	42.03%	40.34%	39.03%

Financials Breakdown Chart

Key Financial Trends

Community Trust Bancorp (NASDAQ:CTBI) has demonstrated steady financial performance over the last several years, based on its quarterly financial statements through Q1 2025. Below is an analysis of the key trends and notable factors derived from its income statements, cash flow statements, and balance sheets from 2022 to 2025.

Increasing Net Interest Income: Net interest income has gradually increased from about $43.5 million in Q3 2022 to over $51.2 million in Q1 2025, driven by higher interest income on loans and leases, supporting steady revenue growth.
Consistent Profitability: The company posted solid net income each quarter, with Q1 2025 net income at $21.97 million, slightly higher than earlier quarters in 2024 and showing improvement over prior years.
Stable Earnings Per Share (EPS): Basic and diluted EPS have remained relatively stable, around $1.08-$1.25 since 2022, with Q1 2025 at $1.22, reflecting consistent earnings generation despite share count fluctuations.
Strong Operating Cash Flow: Cash flow from operating activities has been robust, e.g., $36.6 million in Q3 2024 and $36.6 million in Q1 2025, indicating solid core business cash generation.
Controlled Provision for Credit Losses: Provisions have stayed moderate, with slight increases in recent quarters (e.g., $3.57 million in Q1 2025), helping maintain asset quality and cushioning credit risk.
Growth in Deposits: The company saw increases in both interest-bearing and non-interest-bearing deposits over the period, enhancing liquidity and funding stability. For example, total deposits increased from approximately $4.3 billion in Q3 2022 to over $5 billion by Q1 2025.
Investment Securities and Trading Assets: Trading account securities remain a significant asset, fluctuating between $1.01 billion and $1.3 billion, contributing to overall asset size but also subject to market risks.
Capital Adequacy and Equity Position: Total common equity has increased steadily, from about $602 million in Q3 2022 to about $784 million in Q1 2025, supporting capital adequacy but with accumulated other comprehensive losses showing some volatility.
Stable Dividend Payout: Dividends per share have increased modestly from $0.40 in 2022 up to $0.47 by Q4 2024, indicating a moderate return to shareholders while retaining earnings for growth.
Share Count Stability: Weighted average shares outstanding have been stable around 17.8 to 18.1 million, providing consistent basis for EPS calculations, with minor equity issuances of around $250K to $900K each quarter.
Increasing Non-Interest Expense: Total non-interest expenses have gradually risen from approximately $30 million in Q2 2022 to over $34 million by Q1 2025, which could pressure operating margins if revenue growth slows.
Decline in Net Realized & Unrealized Capital Gains: Capital gains on investments showed some volatility, including a negative $355,000 in Q2 2024 and modest positive gains thereafter, indicating exposure to investment market fluctuations.
Negative Accumulated Other Comprehensive Income: This account shows increasing losses (e.g., negative $107 million in mid-2024, slightly improving to negative $86 million in Q1 2025), which may reflect unrealized losses on securities and could affect equity volatility.
High Investment Securities Purchases Relative to Sales: The company consistently purchased investment securities at a much higher value than sales over the quarters, e.g., buying $219 million and selling $116 million in Q1 2025, which could lead to higher investment risk or liquidity constraints.
Significant Volatility in Cash and Cash Equivalents: Large swings in cash and due from banks balance (from $296 million in Q1 2023 down to $68 million in Q1 2025) may indicate liquidity management challenges or strategic shifts in cash allocation.

Summary: Community Trust Bancorp has shown consistent profitability, with growing interest income and stable EPS, supported by solid operating cash flow and deposit growth. However, rising non-interest expenses and some volatility in investment-related gains and accumulated other comprehensive income introduce risks to keep an eye on. The company's asset base and equity have grown steadily, indicating good capital strength, but investors should monitor expense trends and investment portfolio risk management.

09/19/25 08:06 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Community Trust Bancorp's Financials

When does Community Trust Bancorp's financial year end?

According to the most recent income statement we have on file, Community Trust Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Community Trust Bancorp's net income changed over the last 10 years?

Community Trust Bancorp's net income appears to be on an upward trend, with a most recent value of $82.81 million in 2024, rising from $43.25 million in 2014. The previous period was $78.00 million in 2023. Check out Community Trust Bancorp's forecast to explore projected trends and price targets.

How has Community Trust Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Community Trust Bancorp's total revenue changed from $177.15 million in 2014 to $248.56 million in 2024, a change of 40.3%.

How much debt does Community Trust Bancorp have?

Community Trust Bancorp's total liabilities were at $5.44 billion at the end of 2024, a 7.3% increase from 2023, and a 65.9% increase since 2014.

How much cash does Community Trust Bancorp have?

In the past 10 years, Community Trust Bancorp's cash and equivalents has ranged from $46.56 million in 2021 to $73.02 million in 2024, and is currently $73.02 million as of their latest financial filing in 2024.

How has Community Trust Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Community Trust Bancorp's book value per share changed from 25.69 in 2014 to 41.95 in 2024, a change of 63.3%.

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This page (NASDAQ:CTBI) was last updated on 9/19/2025 by MarketBeat.com Staff

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Community Trust Bancorp (CTBI) Financials

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Community Trust Bancorp (CTBI) Financials

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