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.
Quarterly Income Statements for Community Trust Bancorp
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 |
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 |
Annual Cash Flow Statements for Community Trust Bancorp
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 |
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 |
Quarterly Cash Flow Statements for Community Trust Bancorp
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 |
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 |
Annual Balance Sheets for Community Trust Bancorp
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 |
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 |
Quarterly Balance Sheets for Community Trust Bancorp
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 |
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 |
Annual Metrics And Ratios for Community Trust Bancorp
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 |
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% |
Quarterly Metrics And Ratios for Community Trust Bancorp
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 |
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% |
Key Financial Trends
Community Trust Bancorp (NASDAQ: CTBI) has demonstrated steady financial performance over the last four years, with consistent growth in key earnings figures and stable balance sheet metrics. Below are the key trends and factors derived from the quarterly financials spanning from Q2 2022 through Q1 2025:
- Net Income Growth: Net income attributable to common shareholders increased from approximately $19 million in Q2 2022 to about $22 million in Q1 2025, showing gradual improvement in profitability.
- Steady Earnings per Share (EPS): Basic and diluted EPS remained largely stable and trending upwards slightly, moving from around $1.08 in early 2022 quarters to about $1.22 in early 2025 quarters, indicating consistent shareholder returns.
- Net Interest Income Increase: Net interest income rose from approximately $40.8 million in Q2 2022 to about $51.3 million by Q1 2025, reflecting successful management of interest margins amid changing interest rates.
- Consistent Cost Control: Total non-interest expense has increased moderately but at a pace controlled relative to revenue growth, signaling effective operational management.
- Provision for Credit Losses Management: Provision for credit losses has been relatively low and stable (around $1.1 million to $3.6 million quarterly), indicating good credit quality and risk management.
- Dividend Payout Stability: Dividends per share stayed consistent at approximately $0.44-$0.47 quarterly, reflecting stable capital distribution policy but with moderate yield.
- Growth in Deposits: Interest bearing deposits increased from about $3.06 billion in mid-2022 to approximately $3.88 billion by Q1 2025, reflecting growth in customer deposits supporting lending and securities investment.
- Investment Securities and Trading Account Securities: Investment securities held remained significant and relatively stable, contributing to interest income diversification.
- Rising Interest Expense: Interest expense, particularly on deposits and fed funds, increased from around $4.5 million in Q2 2022 to about $30.8 million by Q1 2025, compressing net interest margin pressure.
- Net Change in Cash & Equivalents Volatility: Cash and equivalents showed notable volatility quarter-over-quarter, impacted by financing and investing activities, which could imply liquidity management challenges.
Overall, Community Trust Bancorp exhibits a solid and improving earnings profile with sound asset and liability management. The bank's ability to grow net interest income and manage expenses supports steady profitability. However, rising interest expenses and cash flow variability warrant attention. The consistent dividend payments affirm a shareholder-friendly approach, contributing to the attractiveness for retail investors.
08/07/25 06:08 AMAI Generated. May Contain Errors.