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Community Trust Bancorp (CTBI) Financials

Community Trust Bancorp logo
$58.78 +0.03 (+0.05%)
Closing price 08/27/2025 04:00 PM Eastern
Extended Trading
$58.62 -0.16 (-0.27%)
As of 04:42 AM 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 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

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
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

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
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

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
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

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
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

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
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

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
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%

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
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%

Key Financial Trends

Community Trust Bancorp (NASDAQ:CTBI) has demonstrated steady financial performance over the last several quarters and years, with key metrics indicating growth and stability in its core banking operations.

Income Statement Highlights:

  • Net interest income has consistently increased from approximately $43.5 million in Q3 2022 to $51.3 million in Q1 2025, reflecting growth in interest-earning assets and effective margin management.
  • Total non-interest income remains strong with trust fees, service charges, and capital gains contributing to a diversified revenue stream; for example, Q1 2025 non-interest income was $14.9 million.
  • Provision for credit losses has generally increased, from $770,000 in Q2 2022 to $3.57 million in Q1 2025, suggesting cautious risk management in light of possible credit quality challenges.
  • Net income attributable to common shareholders increased from $19.4 million in Q2 2022 to $21.97 million in Q1 2025, indicating improved profitability.
  • Basic and diluted earnings per share (EPS) grew from around $1.08 in early 2023 to $1.22 in Q1 2025, showing earnings growth with a relatively stable share count.

Cash Flow Highlights:

  • Operating cash flow increased significantly, with $36.6 million generated in Q1 2025 compared to $15.4 million in Q2 2024 and $19.4 million in Q2 2022, reflecting healthy core business cash generation.
  • Investing activities show substantial outflows in buying securities, e.g., $(219) million in Q1 2025, which could pressure liquidity if not balanced with inflows or financing.
  • Financing activities have generated positive cash flows recently, with $39.2 million in Q1 2025 driven largely by net deposit growth, highlighting strong customer deposit gathering.

Balance Sheet Highlights:

  • Total assets increased steadily from $5.45 billion in Q2 2022 to $6.28 billion in Q1 2025, showing balance sheet growth.
  • Deposits grew significantly, with total deposits (interest bearing and non-interest bearing) climbing from about $4.47 billion in Q2 2022 to nearly $5.11 billion in Q1 2025, supporting lending and investment activities.
  • Allowance for loan and lease losses rose from about $48 million in mid-2022 to $57 million in Q1 2025, matching loan growth and credit risk controls.
  • Equity capital increased from about $632 million in Q2 2022 to $784 million in Q1 2025, strengthening the bank’s capital base.

Summary: Community Trust Bancorp shows positive trends in revenue growth, profitability, and balance sheet expansion through Q1 2025. Increasing provisions for credit losses point to prudent risk management amid economic uncertainties. Growth in deposit balances and operating cash flow strengthens liquidity and operational resilience. Investors might view the company’s stable earnings growth, expanding asset base, and solid capital position as positive signals for continued performance, while ongoing investing outflows warrant attention for liquidity planning.

08/28/25 08:37 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Community Trust Bancorp's Financials

When does Community Trust Bancorp's fiscal year end?

According to the most recent income statement we have on file, Community Trust Bancorp's financial year ends in December. Their financial 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. See Community Trust Bancorp's forecast for analyst expectations on what’s next for the company.

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 8/28/2025 by MarketBeat.com Staff
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