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Community Trust Bancorp (CTBI) Financials

Community Trust Bancorp logo
$51.40 +0.39 (+0.76%)
Closing price 05/29/2025 04:00 PM Eastern
Extended Trading
$51.32 -0.09 (-0.17%)
As of 05/29/2025 04:04 PM Eastern
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Annual Income Statements for Community Trust Bancorp

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

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

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

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -29 129 79 -132 22 52 110 -126 107 -131 46
Net Cash From Operating Activities		 37 22 37 20 26 20 25 15 25 27 26
Net Cash From Continuing Operating Activities		 37 22 37 20 26 20 25 15 25 27 26
Net Income / (Loss) Continuing Operations		 22 22 22 19 19 19 21 19 19 22 19
Consolidated Net Income / (Loss)		 22 22 22 19 19 19 21 19 19 22 19
Provision For Loan Losses		 3.57 2.59 2.74 2.97 2.66 1.82 1.87 2.01 1.12 1.54 2.41
Depreciation Expense		 0.96 1.24 1.34 1.32 1.10 1.32 1.47 1.65 0.91 1.38 1.28
Amortization Expense		 1.02 0.60 0.71 0.66 0.60 0.56 0.64 0.70 0.75 0.95 1.18
Non-Cash Adjustments to Reconcile Net Income		 0.56 -3.64 0.98 0.55 0.19 0.70 -0.94 -0.57 1.10 3.65 -1.53
Changes in Operating Assets and Liabilities, net		 8.50 -0.87 8.78 -5.07 2.93 -3.09 1.47 -7.75 1.98 -2.68 3.51
Net Cash From Investing Activities		 -105 -124 -60 -86 -65 -49 -22 -128 -28 -27 -26
Net Cash From Continuing Investing Activities		 -105 -124 -60 -86 -65 -49 -22 -128 -28 -27 -26
Purchase of Property, Leasehold Improvements and Equipment		 -2.08 -3.03 -1.34 -1.52 -2.18 -1.30 -2.95 -1.17 -0.91 -1.91 -2.05
Purchase of Investment Securities		 -219 -148 -125 -111 -120 -86 -58 -162 -68 -82 -72
Sale and/or Maturity of Investments		 116 29 66 26 56 39 39 35 41 57 48
Other Investing Activities, net		 0.62 - 0.55 0.94 0.87 - 0.24 - 0.00 - -
Net Cash From Financing Activities		 39 231 103 -66 61 81 107 -14 110 -131 46
Net Cash From Continuing Financing Activities		 39 231 103 -66 61 81 107 -14 110 -131 46
Net Change in Deposits		 41 232 104 -50 60 97 111 -27 117 -109 62
Issuance of Common Equity		 0.28 0.28 0.92 0.28 0.29 0.29 0.28 0.28 0.28 0.29 0.26
Repayment of Debt		 -0.06 -0.06 -0.06 -100 -0.06 -0.06 -125 -50 -50 -25 -0.01
Payment of Dividends		 -8.46 -8.45 -8.45 -8.26 -8.26 -8.23 -8.22 -7.87 -7.87 -7.86 -7.82
Other Financing Activities, Net		 6.35 6.84 5.75 -7.10 9.43 -7.37 3.56 20 -6.65 -15 -8.62
Cash Interest Paid		 28 40 29 28 29 31 24 20 15 13 7.23
Cash Income Taxes Paid		 0.00 3.41 6.32 11 0.16 3.10 5.32 12 0.58 4.03 3.55

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

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

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

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

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 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 5/30/2025 by MarketBeat.com Staff
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