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Community Trust Bancorp (CTBI) Financials

Community Trust Bancorp logo
$66.07 -1.22 (-1.81%)
As of 11:12 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 46 47 51 59 65 60 88 82 78 83 98
Consolidated Net Income / (Loss)		 46 47 51 59 65 60 88 82 78 83 98
Net Income / (Loss) Continuing Operations		 46 47 51 59 65 60 88 82 78 83 98
Total Pre-Tax Income 		65 66 69 71 72 70 111 101 99 107 127
Total Revenue		 179 181 186 194 195 206 224 227 231 249 283
Net Interest Income / (Expense)		 132 133 137 142 145 151 163 169 173 186 219
Total Interest Income		 144 147 156 171 185 176 178 198 269 313 346
Loans and Leases Interest Income		 132 135 143 156 166 161 161 170 232 275 305
Investment Securities Interest Income		 12 11 12 13 15 14 17 25 30 28 26
Federal Funds Sold and Securities Borrowed Interest Income		 0.32 0.62 1.28 2.78 0.16 0.06 0.03 0.12 0.28 0.43 0.39
Other Interest Income		 - - - - 4.43 0.70 0.37 2.44 6.83 10 14
Total Interest Expense		 12 14 18 29 41 25 15 29 96 127 127
Deposits Interest Expense		 9.62 11 14 24 33 21 13 24 81 113 113
Short-Term Borrowings Interest Expense		 0.05 0.06 0.43 -0.03 0.04 0.00 0.00 0.02 1.00 0.02 0.01
Long-Term Debt Interest Expense		 1.17 1.42 1.69 2.24 2.47 1.49 1.08 2.01 4.38 4.52 3.97
Federal Funds Purchased and Securities Sold Interest Expense		 0.94 1.16 1.83 3.31 4.63 2.79 1.25 2.54 8.99 10 10
Total Non-Interest Income		 47 48 49 52 50 55 60 58 58 63 64
Trust Fees by Commissions		 11 11 12 13 12 12 15 14 14 17 19
Other Service Charges		 32 8.02 8.05 8.44 6.59 7.38 36 40 38 39 40
Net Realized & Unrealized Capital Gains on Investments		 1.87 2.35 1.39 1.20 2.66 9.00 6.66 1.36 1.39 0.93 0.70
Other Non-Interest Income		 2.16 2.20 2.17 3.67 2.40 2.31 2.84 2.71 3.52 5.24 4.46
Provision for Credit Losses		 8.65 7.87 7.52 6.17 4.82 16 -6.39 4.91 6.81 11 12
Total Non-Interest Expense		 105 107 110 117 118 119 119 121 125 131 143
Salaries and Employee Benefits		 55 57 59 62 63 66 74 72 74 79 85
Net Occupancy & Equipment Expense		 18 17 18 18 18 19 19 20 22 23 26
Marketing Expense		 2.43 2.61 2.72 3.00 3.28 2.98 2.93 3.01 3.21 3.13 3.17
Property & Liability Insurance Claims		 4.62 3.70 2.91 2.81 2.23 2.69 2.54 2.61 3.61 3.68 4.38
Other Operating Expenses		 24 24 25 30 28 25 17 23 23 21 24
Income Tax Expense		 19 19 17 11 7.45 11 23 19 21 24 29
Basic Earnings per Share		 $2.66 $2.70 $2.92 $3.35 $3.64 $3.35 $4.94 $4.59 $4.36 $4.61 $5.44
Weighted Average Basic Shares Outstanding		 17.43M 17.55M 17.63M 17.69M 17.72M 17.75M 17.79M 17.84M 17.89M 17.95M 18.01M
Diluted Earnings per Share		 $2.66 $2.70 $2.92 $3.35 $3.64 $3.35 $4.94 $4.58 $4.36 $4.61 $5.43
Weighted Average Diluted Shares Outstanding		 17.48M 17.57M 17.65M 17.70M 17.74M 17.76M 17.80M 17.85M 17.90M 17.98M 18.04M
Weighted Average Basic & Diluted Shares Outstanding		 17.50M 17.50M 17.60M 17.70M 17.82M 17.83M 17.88M 17.98M 18.02M 18.10M 18.15M
Cash Dividends to Common per Share		 $1.22 $1.26 $1.30 $1.38 $1.48 $1.53 $1.57 $1.68 $1.80 $1.86 $2.00

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 21 19 19 19 22 22 22 25 24 27 27
Consolidated Net Income / (Loss)		 21 19 19 19 22 22 22 25 24 27 27
Net Income / (Loss) Continuing Operations		 21 19 19 19 22 22 22 25 24 27 27
Total Pre-Tax Income 		26 23 24 26 28 29 28 32 31 35 35
Total Revenue		 59 57 59 61 63 66 66 70 72 75 74
Net Interest Income / (Expense)		 43 43 44 46 47 50 51 54 56 58 59
Total Interest Income		 69 73 75 77 80 82 82 86 89 90 88
Loans and Leases Interest Income		 60 63 65 67 71 72 73 76 78 78 78
Investment Securities Interest Income		 7.50 7.53 7.39 6.99 6.65 6.48 6.39 6.32 6.37 7.03 7.39
Federal Funds Sold and Securities Borrowed Interest Income		 0.06 0.06 0.10 0.10 0.14 0.10 0.09 0.10 0.10 0.11 0.10
Other Interest Income		 1.62 2.58 2.59 2.12 2.04 3.35 2.65 3.14 4.19 3.92 2.24
Total Interest Expense		 26 30 31 31 33 32 31 32 33 31 29
Deposits Interest Expense		 22 27 28 27 29 29 27 28 29 28 25
Long-Term Debt Interest Expense		 1.15 1.11 1.16 1.17 1.13 1.06 1.01 1.00 1.00 0.96 0.93
Federal Funds Purchased and Securities Sold Interest Expense		 2.52 2.66 2.58 2.64 2.68 2.50 2.32 2.35 2.62 2.72 2.60
Total Non-Interest Income		 15 14 15 16 16 16 15 16 16 17 15
Trust Fees by Commissions		 3.73 3.60 4.01 4.42 4.27 4.50 4.48 4.62 4.87 4.94 4.98
Other Service Charges		 10 8.99 9.42 9.83 9.79 10 8.86 10 10 10 9.16
Net Realized & Unrealized Capital Gains on Investments		 0.46 0.31 0.42 -0.36 0.29 0.57 0.53 0.23 -0.36 0.30 -0.44
Other Non-Interest Income		 1.11 0.82 1.29 1.82 1.21 0.92 1.04 1.10 1.14 1.18 1.71
Provision for Credit Losses		 1.87 1.82 2.66 2.97 2.74 2.59 3.57 2.09 3.87 2.91 2.31
Total Non-Interest Expense		 31 32 32 32 33 34 34 36 37 36 37
Salaries and Employee Benefits		 18 18 20 20 20 20 20 22 22 22 22
Net Occupancy & Equipment Expense		 5.29 5.68 5.55 5.76 5.88 6.20 6.30 6.50 6.84 6.25 6.65
Marketing Expense		 0.77 0.92 0.58 0.86 0.88 0.82 0.67 0.77 0.95 0.78 0.70
Property & Liability Insurance Claims		 0.85 0.90 0.86 0.94 0.93 0.94 1.25 1.01 1.08 1.04 1.19
Other Operating Expenses		 5.90 5.68 5.12 5.28 5.31 5.62 5.87 5.74 6.10 6.45 5.88
Income Tax Expense		 5.29 4.60 5.17 6.49 5.37 6.84 6.42 7.56 6.98 8.08 8.16
Basic Earnings per Share		 $1.15 $1.04 $1.04 $1.09 $1.23 $1.25 $1.22 $1.38 $1.33 $1.51 $1.51
Weighted Average Basic Shares Outstanding		 17.89M 17.89M 17.93M 17.94M 17.96M 17.95M 18.00M 18.01M 18.02M 18.01M 18.05M
Diluted Earnings per Share		 $1.15 $1.05 $1.04 $1.09 $1.23 $1.25 $1.22 $1.38 $1.32 $1.51 $1.50
Weighted Average Diluted Shares Outstanding		 17.90M 17.90M 17.94M 17.96M 17.99M 17.98M 18.02M 18.04M 18.05M 18.04M 18.08M
Weighted Average Basic & Diluted Shares Outstanding		 18.00M 18.02M 18.03M 18.05M 18.06M 18.10M 18.11M 18.11M 18.12M 18.15M 18.16M
Cash Dividends to Common per Share		 $0.46 $0.46 $0.46 $0.46 $0.47 $0.47 $0.47 $0.47 $0.53 $0.53 $0.53

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 82 -43 31 -34 123 74 -26 -183 143 98 -5.82
Net Cash From Operating Activities		 55 61 62 65 83 62 116 100 86 105 105
Net Cash From Continuing Operating Activities		 55 61 62 65 83 62 116 100 86 105 105
Net Income / (Loss) Continuing Operations		 46 47 51 59 65 60 88 82 78 83 98
Consolidated Net Income / (Loss)		 46 47 51 59 65 60 88 82 78 83 98
Provision For Loan Losses		 8.65 7.87 7.52 - 4.82 16 -6.39 4.91 6.81 11 12
Depreciation Expense		 3.93 3.90 4.01 3.79 5.52 5.35 5.03 5.22 3.79 3.82 4.14
Amortization Expense		 3.10 2.45 3.44 4.68 5.04 5.91 8.01 5.47 4.22 3.74 4.16
Non-Cash Adjustments to Reconcile Net Income		 3.27 1.73 0.22 7.77 3.08 -26 20 3.77 0.41 -1.77 -2.92
Changes in Operating Assets and Liabilities, net		 -10 -1.88 -4.25 -9.97 0.47 2.04 0.83 -1.49 -7.38 5.76 -11
Net Cash From Investing Activities		 -108 -86 -187 -101 -34 -694 -359 -280 -227 -336 -463
Net Cash From Continuing Investing Activities		 -108 -86 -187 -101 -34 -694 -359 -280 -227 -336 -463
Purchase of Property, Leasehold Improvements and Equipment		 -2.25 -3.50 -2.40 -2.83 -2.57 -1.48 -2.37 -6.22 -6.32 -8.08 -7.60
Purchase of Investment Securities		 -243 -251 -438 -375 -244 -1,166 -669 -482 -374 -504 -674
Sale of Property, Leasehold Improvements and Equipment		 0.24 0.01 0.03 0.10 0.05 0.00 0.83 0.62 0.38 0.07 1.11
Sale and/or Maturity of Investments		 137 168 254 277 212 474 311 208 148 172 213
Other Investing Activities, net		 - - - - - - - - 5.16 4.41 4.68
Net Cash From Financing Activities		 135 -18 155 1.28 74 705 216 -2.75 283 328 352
Net Cash From Continuing Financing Activities		 135 -18 155 1.28 74 705 216 -2.75 283 328 352
Net Change in Deposits		 107 101 183 42 100 611 328 82 298 346 319
Issuance of Debt		 170 50 350 0.00 30 25 0.00 45 232 100 100
Issuance of Common Equity		 2.08 2.99 1.51 1.23 1.26 0.93 0.97 1.04 1.13 1.77 1.32
Repayment of Debt		 -130 -150 -352 -0.41 -31 -25 -0.02 -45 -225 -100 -100
Payment of Dividends		 -21 -22 -23 -24 -26 -27 -28 -30 -32 -33 -36
Other Financing Activities, Net		 8.49 0.96 -4.76 -17 0.93 122 -85 -56 9.81 15 68
Cash Interest Paid		 12 13 17 29 41 27 15 27 90 126 127
Cash Income Taxes Paid		 21 19 21 9.70 9.99 13 19 16 21 21 29

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 110 52 22 -132 79 129 -29 55 112 -144 -5.03
Net Cash From Operating Activities		 25 20 26 20 37 22 37 16 38 15 39
Net Cash From Continuing Operating Activities		 25 20 26 20 37 22 37 16 38 15 39
Net Income / (Loss) Continuing Operations		 21 19 19 19 22 22 22 25 24 27 27
Consolidated Net Income / (Loss)		 21 19 19 19 22 22 22 25 24 27 27
Provision For Loan Losses		 1.87 1.82 2.66 2.97 2.74 2.59 3.57 2.09 3.87 2.91 2.31
Depreciation Expense		 1.47 1.32 0.93 1.32 1.34 1.24 0.96 1.03 1.08 1.08 1.09
Amortization Expense		 0.64 0.56 0.77 0.66 0.71 0.60 1.02 1.03 0.99 1.11 0.94
Non-Cash Adjustments to Reconcile Net Income		 -0.94 0.70 0.04 0.55 0.98 -3.64 0.56 -1.71 -0.30 -1.46 1.75
Changes in Operating Assets and Liabilities, net		 1.47 -3.09 3.12 -5.07 8.78 -0.87 8.50 -11 8.00 -16 6.20
Net Cash From Investing Activities		 -22 -49 -65 -86 -60 -124 -105 -53 -128 -177 -70
Net Cash From Continuing Investing Activities		 -22 -49 -65 -86 -60 -124 -105 -53 -128 -177 -70
Purchase of Property, Leasehold Improvements and Equipment		 -2.95 -1.30 -2.18 -1.52 -1.34 -3.03 -2.08 -2.36 -1.19 -1.98 -1.55
Purchase of Investment Securities		 -58 -86 -120 -111 -125 -148 -219 -71 -181 -203 -173
Sale and/or Maturity of Investments		 39 39 57 26 66 29 116 20 49 27 104
Other Investing Activities, net		 0.24 - 0.00 0.94 0.55 - 0.18 -0.18 4.68 -0.44 0.00
Net Cash From Financing Activities		 107 81 61 -66 103 231 39 92 203 18 26
Net Cash From Continuing Financing Activities		 107 81 61 -66 103 231 39 92 203 18 26
Net Change in Deposits		 111 97 60 -50 104 232 41 122 152 3.60 45
Issuance of Common Equity		 0.28 0.29 0.29 0.28 0.92 0.28 0.28 0.46 0.29 0.30 0.33
Repayment of Debt		 -125 -0.06 -0.06 -100 -0.06 -0.06 -0.06 -100 -0.06 -0.06 -0.07
Payment of Dividends		 -8.22 -8.23 -8.26 -8.26 -8.45 -8.45 -8.46 -8.46 -9.52 -9.53 -9.57
Other Financing Activities, Net		 3.56 -7.37 9.39 -7.10 5.75 6.84 6.35 -22 60 24 -10
Cash Interest Paid		 24 31 29 28 29 40 28 27 29 42 26
Cash Income Taxes Paid		 5.32 3.10 0.16 11 6.32 3.41 0.00 14 8.23 5.86 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 3,904 3,932 4,136 4,202 4,366 5,139 5,418 5,380 5,770 6,193 6,684
Cash and Due from Banks		 52 49 48 65 59 54 47 51 59 73 63
Interest Bearing Deposits at Other Banks		 135 96 128 76 206 284 265 77 213 296 301
Time Deposits Placed and Other Short-Term Investments		 3.83 0.98 9.80 3.92 0.25 0.25 0.25 0.25 0.25 0.25 0.25
Trading Account Securities		 598 608 587 598 603 1,023 1,460 1,259 1,164 1,060 1,125
Loans and Leases, Net of Allowance		 2,838 2,902 3,087 3,173 3,214 -48 0.00 -46 -50 -55 -60
Allowance for Loan and Lease Losses		 36 36 36 36 35 48 - 46 50 55 60
Premises and Equipment, Net		 48 48 46 45 44 42 40 43 45 50 53
Goodwill		 65 65 65 65 65 65 65 65 65 65 65
Other Assets		 163 163 165 175 174 3,718 3,540 3,885 4,220 4,649 5,077
Total Liabilities & Shareholders' Equity		 3,904 3,932 4,136 4,202 4,366 5,139 5,418 5,380 5,770 6,193 6,684
Total Liabilities		 3,428 3,432 3,606 3,637 3,751 4,484 4,720 4,752 5,067 5,436 5,828
Non-Interest Bearing Deposits		 750 768 791 803 866 1,141 1,331 1,395 1,261 1,243 1,263
Interest Bearing Deposits		 2,231 2,313 2,473 2,503 2,540 2,875 3,013 3,031 3,464 3,828 4,126
Federal Funds Purchased and Securities Sold		 3.60 4.82 7.31 1.18 7.91 0.50 0.50 0.50 0.50 0.50 0.50
Short-Term Debt		 251 251 244 233 227 356 271 215 225 240 309
Accrued Interest Payable		 - - - 2.90 2.84 1.24 1.02 2.24 7.39 8.38 8.54
Long-Term Debt		 162 62 60 60 58 58 58 58 65 64 64
Other Long-Term Liabilities		 30 32 30 35 50 52 45 50 45 52 57
Total Equity & Noncontrolling Interests		 476 501 531 564 615 655 698 628 702 758 856
Total Preferred & Common Equity		 476 501 531 564 615 655 698 628 702 758 856
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		 476 501 531 564 615 655 698 628 702 758 856
Common Stock		 305 308 310 312 314 315 316 319 321 324 327
Retained Earnings		 170 195 224 259 297 327 387 439 484 532 594
Accumulated Other Comprehensive Income / (Loss)		 1.01 -2.30 -3.51 -6.61 4.25 14 -4.85 -129 -103 -98 -65

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,474 5,529 5,521 5,635 5,850 5,804 5,963 6,277 6,391 6,638 6,741
Cash and Due from Banks		 61 297 49 69 56 55 86 69 77 71 92
Interest Bearing Deposits at Other Banks		 199 175 58 150 237 107 155 272 319 436 267
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 0.25 0.25
Trading Account Securities		 1,302 1,244 1,204 1,139 1,115 1,094 1,101 1,013 1,000 1,042 1,092
Loans and Leases, Net of Allowance		 0.00 -47 -48 -49 -51 -52 -53 -57 -58 -59 -61
Allowance for Loan and Lease Losses		 - 47 48 49 51 52 53 57 58 59 61
Premises and Equipment, Net		 42 43 43 45 47 47 48 51 52 52 53
Goodwill		 65 65 65 65 65 65 65 65 65 65 65
Other Assets		 3,806 3,980 4,147 4,215 4,330 4,436 4,507 4,807 4,878 4,970 5,172
Total Liabilities & Shareholders' Equity		 5,474 5,529 5,521 5,635 5,850 5,804 5,963 6,277 6,391 6,638 6,741
Total Liabilities		 4,872 4,869 4,861 4,982 5,143 5,085 5,202 5,492 5,584 5,807 5,870
Non-Interest Bearing Deposits		 1,481 1,410 1,361 1,314 1,275 1,242 1,205 1,236 1,258 1,249 1,263
Interest Bearing Deposits		 3,054 3,134 3,156 3,314 3,510 3,492 3,634 3,876 3,975 4,137 4,171
Federal Funds Purchased and Securities Sold		 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Short-Term Debt		 230 209 229 233 235 228 233 247 225 285 299
Accrued Interest Payable		 2.50 4.14 5.62 8.21 9.37 12 16 11 15 19 12
Long-Term Debt		 58 65 65 65 65 64 64 64 64 64 64
Other Long-Term Liabilities		 45 47 44 48 49 46 49 59 46 53 61
Total Equity & Noncontrolling Interests		 603 657 660 653 708 719 761 784 807 831 871
Total Preferred & Common Equity		 603 657 660 653 708 719 761 784 807 831 871
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		 603 657 660 653 708 719 761 784 807 831 871
Common Stock		 318 319 320 320 322 322 324 325 326 326 328
Retained Earnings		 424 450 462 474 493 504 518 545 562 576 612
Accumulated Other Comprehensive Income / (Loss)		 -139 -112 -121 -141 -107 -107 -81 -86 -81 -71 -68

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 18,115,847.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 18,115,847.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 5.41
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.08% 1.34% 2.45% 4.41% 0.50% 5.37% 8.75% 1.56% 1.65% 7.71% 13.69%
EBITDA Growth		 3.78% 1.15% 4.31% 4.02% 4.48% -1.25% 51.73% -9.67% -4.61% 7.20% 18.50%
EBIT Growth		 4.11% 2.31% 3.08% 2.96% 2.06% -2.40% 57.47% -8.68% -2.45% 8.24% 19.13%
NOPAT Growth		 7.35% 1.97% 8.76% 15.02% 8.97% -7.80% 47.79% -6.97% -4.66% 6.17% 18.41%
Net Income Growth		 7.35% 1.97% 8.76% 15.02% 8.97% -7.80% 47.79% -6.97% -4.66% 6.17% 18.41%
EPS Growth		 6.83% 1.50% 8.15% 14.73% 8.66% -7.97% 47.46% -7.29% -4.80% 5.73% 17.79%
Operating Cash Flow Growth		 -4.43% 11.72% 1.51% 5.03% 27.44% -25.26% 85.47% -13.84% -14.00% 22.68% -0.32%
Free Cash Flow Firm Growth		 52.99% 429.54% -74.91% 21.23% -43.36% -617.99% 218.28% 60.47% -105.95% 203.33% -639.22%
Invested Capital Growth		 10.38% -8.46% 2.55% 2.63% 5.07% 18.77% -3.88% -12.25% 10.02% 7.06% 15.71%
Revenue Q/Q Growth		 -0.30% 0.51% 0.86% 0.52% 0.62% 2.05% 0.88% 1.21% -0.78% 3.75% 3.30%
EBITDA Q/Q Growth		 4.38% -0.10% 0.30% 2.06% 0.97% 1.30% 4.20% 1.50% -3.53% 5.57% 4.95%
EBIT Q/Q Growth		 5.14% -0.66% 0.06% 2.44% 0.08% 0.87% 4.58% 2.65% -3.39% 6.04% 4.98%
NOPAT Q/Q Growth		 4.22% -0.01% 6.29% 1.36% 0.47% -0.30% 4.05% 4.06% -4.63% 4.85% 5.13%
Net Income Q/Q Growth		 4.22% -0.01% 6.29% 1.36% 0.47% -0.30% 4.05% 4.06% -4.63% 4.85% 5.13%
EPS Q/Q Growth		 3.91% 0.00% 6.18% 1.21% 0.55% -0.59% 4.00% 3.85% -4.39% 4.54% 5.03%
Operating Cash Flow Q/Q Growth		 11.17% -11.78% 14.95% -4.37% 10.46% -1.86% 13.29% -6.11% -7.85% 2.37% -6.67%
Free Cash Flow Firm Q/Q Growth		 -56.72% 939.22% 253.93% -58.66% -36.16% 7.49% 14.40% -9.57% -155.07% 143.62% -140.40%
Invested Capital Q/Q Growth		 12.68% -1.30% -6.54% -0.55% 0.84% -0.14% -1.38% 1.21% 4.40% 0.34% 4.11%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.21% 40.13% 40.86% 40.70% 42.32% 39.66% 55.33% 49.22% 46.18% 45.97% 47.91%
EBIT Margin		 36.28% 36.63% 36.85% 36.34% 36.91% 34.18% 49.50% 44.51% 42.71% 42.92% 44.97%
Profit (Net Income) Margin		 25.93% 26.09% 27.70% 30.51% 33.09% 28.95% 39.34% 36.04% 33.80% 33.32% 34.70%
Tax Burden Percent		 71.47% 71.24% 75.16% 83.96% 89.65% 84.69% 79.48% 80.97% 79.14% 77.62% 77.16%
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		 28.53% 28.76% 24.84% 16.04% 10.35% 15.31% 20.52% 19.03% 20.86% 22.38% 22.84%
Return on Invested Capital (ROIC)		 5.48% 5.56% 6.25% 7.00% 7.35% 6.04% 8.39% 8.48% 8.24% 8.06% 8.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.48% 5.56% 6.25% 7.00% 7.35% 6.04% 8.39% 8.48% 8.24% 8.06% 8.56%
Return on Net Nonoperating Assets (RNNOA)		 4.58% 4.14% 3.74% 3.82% 3.60% 3.33% 4.61% 3.86% 3.49% 3.28% 3.59%
Return on Equity (ROE)		 10.06% 9.70% 9.99% 10.82% 10.95% 9.37% 13.00% 12.34% 11.73% 11.35% 12.15%
Cash Return on Invested Capital (CROIC)		 -4.39% 14.40% 3.73% 4.41% 2.40% -11.11% 12.34% 21.53% -1.30% 1.24% -6.01%
Operating Return on Assets (OROA)		 1.70% 1.70% 1.70% 1.69% 1.68% 1.48% 2.10% 1.87% 1.77% 1.78% 1.97%
Return on Assets (ROA)		 1.22% 1.21% 1.28% 1.42% 1.51% 1.25% 1.67% 1.52% 1.40% 1.38% 1.52%
Return on Common Equity (ROCE)		 10.06% 9.70% 9.99% 10.82% 10.95% 9.37% 13.00% 12.34% 11.73% 11.35% 12.15%
Return on Equity Simple (ROE_SIMPLE)		 9.76% 9.46% 9.70% 10.50% 10.50% 9.09% 12.60% 13.03% 11.11% 10.93% 11.45%
Net Operating Profit after Tax (NOPAT)		 46 47 51 59 65 60 88 82 78 83 98
NOPAT Margin		 25.93% 26.09% 27.70% 30.51% 33.09% 28.95% 39.34% 36.04% 33.80% 33.32% 34.70%
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		 41.67% 42.51% 42.91% 42.39% 43.35% 42.81% 42.92% 42.06% 42.68% 42.62% 40.53%
Operating Expenses to Revenue		 58.89% 59.03% 59.10% 60.48% 60.62% 58.01% 53.36% 53.33% 54.34% 52.67% 50.63%
Earnings before Interest and Taxes (EBIT)		 65 66 69 71 72 70 111 101 99 107 127
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 72 73 76 79 83 82 124 112 107 114 135
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 1.28 1.18 0.97 1.08 0.85 0.97 1.19 1.07 1.25 1.20
Price to Tangible Book Value (P/TBV)		 1.06 1.47 1.35 1.09 1.21 0.94 1.07 1.33 1.18 1.37 1.29
Price to Revenue (P/Rev)		 2.42 3.53 3.38 2.81 3.42 2.70 3.04 3.29 3.25 3.82 3.62
Price to Earnings (P/E)		 9.34 13.52 12.20 9.21 10.33 9.34 7.73 9.14 9.63 11.46 10.44
Dividend Yield		 4.93% 3.47% 3.66% 4.49% 3.95% 4.90% 4.12% 4.03% 4.31% 3.54% 3.54%
Earnings Yield		 10.70% 7.40% 8.20% 10.86% 9.68% 10.71% 12.94% 10.94% 10.39% 8.73% 9.58%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.99 0.90 0.81 0.76 0.59 0.68 0.99 0.78 0.83 0.84
Enterprise Value to Revenue (EV/Rev)		 3.66 4.45 4.02 3.57 3.52 3.07 3.12 3.93 3.33 3.55 3.65
Enterprise Value to EBITDA (EV/EBITDA)		 9.11 11.09 9.84 8.76 8.32 7.75 5.64 7.99 7.22 7.73 7.63
Enterprise Value to EBIT (EV/EBIT)		 10.10 12.15 10.90 9.82 9.55 8.99 6.30 8.83 7.80 8.28 8.12
Enterprise Value to NOPAT (EV/NOPAT)		 14.13 17.06 14.51 11.69 10.65 10.61 7.93 10.91 9.86 10.67 10.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.93 13.15 11.98 10.57 8.23 10.12 6.02 8.95 8.97 8.40 9.83
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 6.59 24.29 18.57 32.54 0.00 5.39 4.30 0.00 69.23 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.87 0.63 0.57 0.52 0.46 0.63 0.47 0.44 0.41 0.40 0.44
Long-Term Debt to Equity		 0.34 0.12 0.11 0.11 0.09 0.09 0.08 0.09 0.09 0.08 0.07
Financial Leverage		 0.84 0.74 0.60 0.54 0.49 0.55 0.55 0.45 0.42 0.41 0.42
Leverage Ratio		 8.26 8.03 7.82 7.62 7.27 7.49 7.80 8.14 8.38 8.20 7.98
Compound Leverage Factor		 8.26 8.03 7.82 7.62 7.27 7.49 7.80 8.14 8.38 8.20 7.98
Debt to Total Capital		 46.52% 38.50% 36.42% 34.14% 31.68% 38.74% 32.05% 30.35% 29.21% 28.67% 30.34%
Short-Term Debt to Total Capital		 28.25% 30.84% 29.21% 27.17% 25.21% 33.29% 26.38% 23.89% 22.71% 22.61% 25.13%
Long-Term Debt to Total Capital		 18.26% 7.65% 7.21% 6.98% 6.47% 5.45% 5.67% 6.45% 6.51% 6.06% 5.21%
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		 53.48% 61.50% 63.58% 65.86% 68.32% 61.26% 67.95% 69.65% 70.79% 71.33% 69.66%
Debt to EBITDA		 5.75 4.30 4.00 3.70 3.45 5.08 2.66 2.45 2.72 2.67 2.75
Net Debt to EBITDA		 3.09 2.30 1.57 1.86 0.25 0.93 0.14 1.30 0.17 -0.57 0.07
Long-Term Debt to EBITDA		 2.26 0.86 0.79 0.76 0.71 0.71 0.47 0.52 0.61 0.56 0.47
Debt to NOPAT		 8.91 6.62 5.90 4.94 4.42 6.96 3.74 3.34 3.72 3.68 3.80
Net Debt to NOPAT		 4.79 3.54 2.31 2.48 0.31 1.27 0.20 1.77 0.23 -0.79 0.09
Long-Term Debt to NOPAT		 3.50 1.32 1.17 1.01 0.90 0.98 0.66 0.71 0.83 0.78 0.65
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)		 -37 123 31 37 21 -109 129 208 -12 13 -69
Operating Cash Flow to CapEx		 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% 1,617.49%
Free Cash Flow to Firm to Interest Expense		 -3.16 9.04 1.68 1.27 0.52 -4.30 8.58 7.25 -0.13 0.10 -0.54
Operating Cash Flow to Interest Expense		 4.67 4.53 3.41 2.24 2.06 2.45 7.67 3.48 0.90 0.83 0.83
Operating Cash Flow Less CapEx to Interest Expense		 4.50 4.27 3.28 2.14 2.00 2.39 7.56 3.29 0.84 0.76 0.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.65 3.78 3.94 4.24 4.37 4.78 5.42 5.46 5.25 5.24 5.53
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 889 814 835 857 900 1,069 1,028 902 992 1,062 1,229
Invested Capital Turnover		 0.21 0.21 0.23 0.23 0.22 0.21 0.21 0.24 0.24 0.24 0.25
Increase / (Decrease) in Invested Capital		 84 -75 21 22 43 169 -41 -126 90 70 167
Enterprise Value (EV)		 656 808 747 692 687 631 697 892 769 883 1,032
Market Capitalization		 434 640 628 545 667 556 680 748 751 949 1,024
Book Value per Share		 $27.15 $28.41 $30.00 $31.81 $34.58 $36.77 $39.13 $35.05 $39.01 $41.95 $47.26
Tangible Book Value per Share		 $23.39 $24.69 $26.29 $28.12 $30.89 $33.09 $35.46 $31.40 $35.37 $38.33 $43.64
Total Capital		 889 814 835 857 900 1,069 1,028 902 992 1,062 1,229
Total Debt		 414 313 304 292 285 414 329 274 290 304 373
Total Long-Term Debt		 162 62 60 60 58 58 58 58 65 64 64
Net Debt		 222 168 119 147 20 76 17 145 18 -65 8.95
Capital Expenditures (CapEx)		 2.01 3.49 2.38 2.74 2.52 1.48 1.54 5.60 5.95 8.01 6.49
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)		 414 313 304 292 285 414 329 274 290 304 373
Total Depreciation and Amortization (D&A)		 7.03 6.36 7.44 8.47 11 11 13 11 8.01 7.57 8.30
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.66 $2.70 $2.92 $3.35 $3.64 $3.35 $4.94 $4.59 $4.36 $4.61 $5.44
Adjusted Weighted Average Basic Shares Outstanding		 17.43M 17.55M 17.63M 17.69M 17.72M 17.75M 17.79M 17.84M 17.89M 17.95M 18.01M
Adjusted Diluted Earnings per Share		 $2.66 $2.70 $2.92 $3.35 $3.64 $3.35 $4.94 $4.58 $4.36 $4.61 $5.43
Adjusted Weighted Average Diluted Shares Outstanding		 17.48M 17.57M 17.65M 17.70M 17.74M 17.76M 17.80M 17.85M 17.90M 17.98M 18.04M
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		 17.55M 17.66M 17.71M 17.77M 17.82M 17.83M 17.88M 17.98M 18.02M 18.10M 18.15M
Normalized Net Operating Profit after Tax (NOPAT)		 46 47 51 59 65 60 88 82 78 83 98
Normalized NOPAT Margin		 25.93% 26.09% 27.70% 30.51% 33.09% 28.95% 39.34% 36.04% 33.80% 33.32% 34.70%
Pre Tax Income Margin		 36.28% 36.63% 36.85% 36.34% 36.91% 34.18% 49.50% 44.51% 42.71% 42.92% 44.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.52 4.90 3.75 2.41 1.78 2.76 7.33 3.53 1.03 0.84 1.00
NOPAT to Interest Expense		 3.94 3.49 2.81 2.02 1.59 2.34 5.83 2.86 0.82 0.65 0.77
EBIT Less CapEx to Interest Expense		 5.35 4.65 3.62 2.31 1.71 2.70 7.23 3.33 0.97 0.77 0.95
NOPAT Less CapEx to Interest Expense		 3.77 3.24 2.68 1.93 1.53 2.28 5.73 2.66 0.75 0.59 0.72
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.94% 46.87% 44.63% 41.19% 40.65% 45.61% 31.74% 36.59% 41.26% 40.34% 36.69%
Augmented Payout Ratio		 46.35% 47.67% 44.63% 41.19% 40.65% 47.46% 31.74% 36.59% 41.26% 40.34% 36.69%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 18,115,847.00 18,150,771.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 18,115,847.00 18,150,771.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.51 1.50
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.72% -3.10% 1.96% 6.14% 7.04% 15.85% 12.67% 14.38% 13.92% 13.75% 12.14%
EBITDA Growth		 4.64% -13.43% -2.69% 3.01% 5.47% 24.00% 18.89% 23.37% 11.47% 20.47% 23.06%
EBIT Growth		 6.54% -12.95% -3.02% 4.80% 6.16% 26.12% 19.03% 24.86% 12.27% 20.56% 24.52%
NOPAT Growth		 6.48% -16.86% -3.28% 0.49% 7.34% 20.55% 17.63% 27.69% 7.99% 21.26% 23.76%
Net Income Growth		 6.48% -16.86% -3.28% 0.49% 7.34% 20.55% 17.63% 27.69% 7.99% 21.26% 23.76%
EPS Growth		 6.48% -16.00% -3.70% 0.93% 6.96% 19.05% 17.31% 26.61% 7.32% 20.80% 22.95%
Operating Cash Flow Growth		 -4.16% -26.78% 3.87% 29.00% 45.93% 12.21% 39.71% -20.23% 2.21% -33.43% 7.92%
Free Cash Flow Firm Growth		 -122.74% -148.35% -205.25% -597.89% -122.25% 33.66% -21.52% -57.57% -13.82% -193.51% -69.09%
Invested Capital Growth		 6.66% 10.02% 7.83% 6.03% 11.39% 7.06% 8.75% 8.38% 11.52% 15.71% 12.69%
Revenue Q/Q Growth		 1.39% -3.30% 3.57% 4.53% 2.24% 4.66% 0.73% 6.12% 1.84% 4.50% -0.70%
EBITDA Q/Q Growth		 3.22% -10.32% 1.62% 9.51% 5.69% 5.43% -2.57% 13.64% -4.50% 13.94% -0.48%
EBIT Q/Q Growth		 4.50% -10.27% 2.55% 8.99% 5.86% 6.60% -3.22% 14.32% -4.82% 14.47% -0.03%
NOPAT Q/Q Growth		 6.31% -9.55% 0.11% 4.39% 13.55% 1.59% -2.32% 13.32% -3.97% 14.07% -0.31%
Net Income Q/Q Growth		 6.31% -9.55% 0.11% 4.39% 13.55% 1.59% -2.32% 13.32% -3.97% 14.07% -0.31%
EPS Q/Q Growth		 6.48% -8.70% -0.95% 4.81% 12.84% 1.63% -2.40% 13.11% -4.35% 14.39% -0.66%
Operating Cash Flow Q/Q Growth		 62.72% -20.59% 30.95% -23.77% 84.08% -38.94% 63.28% -56.45% 135.63% -60.20% 164.25%
Free Cash Flow Firm Q/Q Growth		 -611.13% -85.09% 24.11% 30.13% -126.47% 44.76% -39.01% 9.40% -63.59% -42.46% 19.92%
Invested Capital Q/Q Growth		 -0.38% 4.40% 1.50% 0.44% 4.66% 0.34% 3.10% 0.11% 7.68% 4.11% 0.41%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.81% 44.34% 43.50% 45.57% 47.11% 47.45% 45.90% 49.15% 46.09% 50.26% 50.37%
EBIT Margin		 44.20% 41.02% 40.61% 42.34% 43.84% 44.65% 42.91% 46.22% 43.20% 47.32% 47.64%
Profit (Net Income) Margin		 35.18% 32.91% 31.81% 31.76% 35.28% 34.24% 33.21% 35.46% 33.44% 36.50% 36.65%
Tax Burden Percent		 79.59% 80.23% 78.32% 75.02% 80.48% 76.69% 77.40% 76.72% 77.41% 77.14% 76.93%
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		 20.41% 19.77% 21.68% 24.98% 19.52% 23.31% 22.60% 23.28% 22.59% 22.86% 23.07%
Return on Invested Capital (ROIC)		 8.89% 8.02% 7.60% 7.61% 8.42% 8.29% 8.09% 8.91% 8.17% 9.01% 9.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.89% 8.02% 7.60% 7.61% 8.42% 8.29% 8.09% 8.91% 8.17% 9.01% 9.15%
Return on Net Nonoperating Assets (RNNOA)		 4.15% 3.40% 3.21% 3.23% 3.54% 3.37% 3.31% 3.39% 3.32% 3.78% 3.72%
Return on Equity (ROE)		 13.03% 11.42% 10.81% 10.84% 11.96% 11.66% 11.40% 12.31% 11.49% 12.79% 12.87%
Cash Return on Invested Capital (CROIC)		 2.44% -1.30% 0.44% 2.03% -2.91% 1.24% -0.19% 0.64% -2.56% -6.01% -3.07%
Operating Return on Assets (OROA)		 1.85% 1.70% 1.66% 1.76% 1.81% 1.86% 1.81% 2.01% 1.88% 2.08% 2.13%
Return on Assets (ROA)		 1.47% 1.36% 1.30% 1.32% 1.46% 1.42% 1.40% 1.54% 1.45% 1.60% 1.64%
Return on Common Equity (ROCE)		 13.03% 11.42% 10.81% 10.84% 11.96% 11.66% 11.40% 12.31% 11.49% 12.79% 12.87%
Return on Equity Simple (ROE_SIMPLE)		 12.52% 0.00% 10.93% 10.77% 10.38% 0.00% 10.98% 11.34% 11.22% 0.00% 11.85%
Net Operating Profit after Tax (NOPAT)		 21 19 19 19 22 22 22 25 24 27 27
NOPAT Margin		 35.18% 32.91% 31.81% 31.76% 35.28% 34.24% 33.21% 35.46% 33.44% 36.50% 36.65%
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		 41.11% 44.17% 44.69% 42.69% 41.86% 41.42% 40.94% 41.19% 41.35% 38.76% 39.70%
Operating Expenses to Revenue		 52.61% 55.78% 54.87% 52.82% 51.80% 51.41% 51.70% 50.79% 51.39% 48.78% 49.24%
Earnings before Interest and Taxes (EBIT)		 26 23 24 26 28 29 28 32 31 35 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 25 26 28 30 31 30 35 33 38 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.89 1.07 1.04 1.06 1.16 1.25 1.16 1.18 1.22 1.20 1.27
Price to Tangible Book Value (P/TBV)		 0.99 1.18 1.15 1.17 1.27 1.37 1.27 1.28 1.32 1.29 1.37
Price to Revenue (P/Rev)		 2.49 3.25 3.19 3.25 3.68 3.82 3.56 3.59 3.70 3.62 3.79
Price to Earnings (P/E)		 7.09 9.63 9.55 9.89 11.16 11.46 10.59 10.38 10.86 10.44 10.67
Dividend Yield		 5.52% 4.31% 4.43% 4.33% 3.79% 3.54% 3.71% 3.59% 3.47% 3.54% 3.39%
Earnings Yield		 14.10% 10.39% 10.47% 10.11% 8.96% 8.73% 9.45% 9.64% 9.21% 9.58% 9.37%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.78 0.74 0.89 0.89 0.83 0.81 0.77 0.72 0.84 0.90
Enterprise Value to Revenue (EV/Rev)		 2.83 3.33 3.21 3.81 3.91 3.55 3.44 3.18 3.12 3.65 3.81
Enterprise Value to EBITDA (EV/EBITDA)		 5.96 7.22 7.03 8.40 8.66 7.73 7.40 6.71 6.62 7.63 7.77
Enterprise Value to EBIT (EV/EBIT)		 6.45 7.80 7.61 9.05 9.32 8.28 7.93 7.17 7.06 8.12 8.25
Enterprise Value to NOPAT (EV/NOPAT)		 8.04 9.86 9.62 11.57 11.87 10.67 10.24 9.22 9.16 10.53 10.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.07 8.97 8.59 9.83 9.13 8.40 7.63 7.56 7.61 9.83 10.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 29.34 0.00 173.76 44.91 0.00 69.23 0.00 125.67 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.46 0.41 0.42 0.41 0.39 0.40 0.40 0.36 0.42 0.44 0.42
Long-Term Debt to Equity		 0.10 0.09 0.09 0.09 0.08 0.08 0.08 0.08 0.08 0.07 0.07
Financial Leverage		 0.47 0.42 0.42 0.42 0.42 0.41 0.41 0.38 0.41 0.42 0.41
Leverage Ratio		 8.85 8.38 8.34 8.21 8.20 8.20 8.13 7.99 7.91 7.98 7.86
Compound Leverage Factor		 8.85 8.38 8.34 8.21 8.20 8.20 8.13 7.99 7.91 7.98 7.86
Debt to Total Capital		 31.28% 29.21% 29.71% 28.88% 28.13% 28.67% 28.39% 26.39% 29.57% 30.34% 29.40%
Short-Term Debt to Total Capital		 24.48% 22.71% 23.31% 22.50% 22.04% 22.61% 22.52% 20.53% 24.13% 25.13% 24.21%
Long-Term Debt to Total Capital		 6.80% 6.51% 6.41% 6.37% 6.08% 6.06% 5.87% 5.86% 5.43% 5.21% 5.19%
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		 68.72% 70.79% 70.29% 71.12% 71.87% 71.33% 71.61% 73.61% 70.43% 69.66% 70.60%
Debt to EBITDA		 2.69 2.72 2.83 2.74 2.75 2.67 2.61 2.30 2.71 2.75 2.55
Net Debt to EBITDA		 0.70 0.17 0.05 1.22 0.52 -0.57 -0.25 -0.85 -1.23 0.07 0.03
Long-Term Debt to EBITDA		 0.59 0.61 0.61 0.60 0.60 0.56 0.54 0.51 0.50 0.47 0.45
Debt to NOPAT		 3.63 3.72 3.87 3.77 3.77 3.68 3.61 3.16 3.74 3.80 3.51
Net Debt to NOPAT		 0.95 0.23 0.07 1.68 0.72 -0.79 -0.35 -1.16 -1.70 0.09 0.04
Long-Term Debt to NOPAT		 0.79 0.83 0.83 0.83 0.82 0.78 0.75 0.70 0.69 0.65 0.62
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)		 -39 -72 -54 -38 -86 -48 -66 -60 -98 -140 -112
Operating Cash Flow to CapEx		 869.06% 1,573.36% 1,198.81% 1,307.87% 2,891.25% 738.43% 1,761.29% 675.04% 3,159.76% 1,684.33% 2,542.11%
Free Cash Flow to Firm to Interest Expense		 -1.47 -2.36 -1.73 -1.23 -2.64 -1.47 -2.15 -1.90 -2.97 -4.44 -3.86
Operating Cash Flow to Interest Expense		 0.95 0.66 0.83 0.64 1.12 0.69 1.19 0.51 1.14 0.48 1.36
Operating Cash Flow Less CapEx to Interest Expense		 0.84 0.62 0.76 0.59 1.09 0.60 1.12 0.43 1.10 0.45 1.31
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		 5.37 5.25 5.20 5.23 5.18 5.24 5.26 5.33 5.48 5.53 5.60
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 950 992 1,007 1,011 1,058 1,062 1,095 1,096 1,180 1,229 1,234
Invested Capital Turnover		 0.25 0.24 0.24 0.24 0.24 0.24 0.24 0.25 0.24 0.25 0.25
Increase / (Decrease) in Invested Capital		 59 90 73 58 108 70 88 85 122 167 139
Enterprise Value (EV)		 658 769 744 896 938 883 882 843 854 1,032 1,106
Market Capitalization		 580 751 739 766 881 949 912 950 1,013 1,024 1,102
Book Value per Share		 $36.30 $39.01 $39.48 $39.90 $42.14 $41.95 $43.32 $44.55 $45.91 $47.26 $48.00
Tangible Book Value per Share		 $32.66 $35.37 $35.83 $36.27 $38.51 $38.33 $39.70 $40.94 $42.29 $43.64 $44.39
Total Capital		 950 992 1,007 1,011 1,058 1,062 1,095 1,096 1,180 1,229 1,234
Total Debt		 297 290 299 292 298 304 311 289 349 373 363
Total Long-Term Debt		 65 65 65 64 64 64 64 64 64 64 64
Net Debt		 78 18 5.64 130 57 -65 -30 -106 -159 8.95 3.83
Capital Expenditures (CapEx)		 2.89 1.27 2.18 1.52 1.27 3.03 2.08 2.36 1.19 0.89 1.55
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)		 297 290 299 292 298 304 311 289 349 373 363
Total Depreciation and Amortization (D&A)		 2.11 1.88 1.70 1.98 2.05 1.84 1.98 2.06 2.07 2.19 2.02
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.15 $1.04 $1.04 $1.09 $1.23 $1.25 $1.22 $1.38 $1.33 $1.51 $1.51
Adjusted Weighted Average Basic Shares Outstanding		 17.89M 17.89M 17.93M 17.94M 17.96M 17.95M 18.00M 18.01M 18.02M 18.01M 18.05M
Adjusted Diluted Earnings per Share		 $1.15 $1.05 $1.04 $1.09 $1.23 $1.25 $1.22 $1.38 $1.32 $1.51 $1.50
Adjusted Weighted Average Diluted Shares Outstanding		 17.90M 17.90M 17.94M 17.96M 17.99M 17.98M 18.02M 18.04M 18.05M 18.04M 18.08M
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		 18.00M 18.02M 18.03M 18.05M 18.06M 18.10M 18.11M 18.11M 18.12M 18.15M 18.16M
Normalized Net Operating Profit after Tax (NOPAT)		 21 19 19 19 22 22 22 25 24 27 27
Normalized NOPAT Margin		 35.18% 32.91% 31.81% 31.76% 35.28% 34.24% 33.21% 35.46% 33.44% 36.50% 36.65%
Pre Tax Income Margin		 44.20% 41.02% 40.61% 42.34% 43.84% 44.65% 42.91% 46.22% 43.20% 47.32% 47.64%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.98 0.77 0.76 0.84 0.84 0.90 0.92 1.03 0.94 1.13 1.22
NOPAT to Interest Expense		 0.78 0.61 0.59 0.63 0.68 0.69 0.71 0.79 0.72 0.87 0.94
EBIT Less CapEx to Interest Expense		 0.87 0.72 0.69 0.79 0.80 0.81 0.85 0.95 0.90 1.10 1.17
NOPAT Less CapEx to Interest Expense		 0.67 0.57 0.53 0.58 0.64 0.60 0.65 0.71 0.69 0.84 0.88
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 38.90% 41.26% 42.11% 42.56% 42.03% 40.34% 39.03% 36.96% 37.41% 36.69% 35.91%
Augmented Payout Ratio		 38.90% 41.26% 42.11% 42.56% 42.03% 40.34% 39.03% 36.96% 37.41% 36.69% 35.91%

Financials Breakdown Chart

Key Financial Trends

Community Trust Bancorp (NASDAQ: CTBI) continued to deliver solid quarterly profitability in Q1 2026, with net income of $27.2 million and diluted EPS of $1.50. Over the last several years, the company has shown a generally resilient banking profile: earnings have stayed strong, deposits have grown meaningfully from 2023 levels, and book equity has expanded. At the same time, the balance sheet has become more leveraged and the bank’s securities/investment position has grown large relative to total assets, which is worth monitoring.

  • Profitability remains strong: Q1 2026 net income was $27.2 million, up slightly from $27.3 million in Q4 2025 and well above the $19.3 million range seen in early 2024.
  • Revenue generation is stable: Q1 2026 total revenue of $74.2 million was essentially in line with recent quarters, showing a steady earnings engine.
  • Net interest income improved year over year: Q1 2026 net interest income was $58.8 million, higher than Q1 2025’s $51.3 million, helped by stronger interest income and stable loan yields.
  • Deposit base has expanded materially: Total deposits rose to about $5.43 billion in Q1 2026 from $5.11 billion in Q1 2025, supporting funding stability and balance-sheet growth.
  • Equity has grown over time: Total common equity increased to $871 million in Q1 2026 from $784 million in Q1 2025, reflecting retained earnings growth.
  • Operating cash flow is solid: CTBI generated $39.5 million in operating cash flow in Q1 2026, which compares favorably with the $37.5 million it produced in Q3 2025 and $36.6 million in Q1 2025.
  • Loan-loss provisioning remains manageable: The provision for credit losses was $2.3 million in Q1 2026, below the higher levels seen in parts of 2025, suggesting credit costs are not deteriorating sharply.
  • Noninterest income provides a useful cushion: Fee income and service charges remain a meaningful contributor, with Q1 2026 noninterest income of $15.4 million.
  • Earnings per share has stayed around the $1.50 mark: Recent quarters have clustered near this level, indicating consistent per-share profitability rather than rapid acceleration.
  • Loan growth is not clearly evident from the reported numbers: The data suggest CTBI’s balance sheet expansion has come more from deposits, securities, and other assets than from a clearly rising net loan balance.
  • Loan loss reserves and credit costs remain a watch item: Allowance for loan and lease losses increased to $61.3 million in Q1 2026 from $50.6 million in Q1 2025, and provisions have stayed present each quarter.
  • Debt levels have risen meaningfully: Short-term debt was $298.7 million in Q1 2026, up from $246.6 million in Q1 2025, adding funding leverage to the balance sheet.
  • Interest expense is still a major earnings drag: Deposits interest expense was $25.4 million in Q1 2026, and funding costs remain elevated compared with 2023 levels.
  • Cash and equivalents declined quarter over quarter: Net change in cash and equivalents was negative $5.0 million in Q1 2026, after much stronger financing-driven cash generation in late 2025.
  • The balance sheet is highly securities-heavy: Trading account securities were about $1.09 billion in Q1 2026, making the company somewhat sensitive to market and interest-rate movements.
  • AOCI remains negative: Accumulated other comprehensive income was -$68.0 million in Q1 2026, reflecting ongoing unrealized pressure in the portfolio.

Bottom line: CTBI looks like a stable, profitable regional bank with good deposit growth and dependable cash generation. The main positives are consistent earnings and a stronger equity base. The main risks are the large securities position, higher debt/funding costs, and the need to keep credit quality under control. For retail investors, this is a name that appears financially steady, but not without interest-rate and balance-sheet sensitivity.

06/03/26 10:47 AM ETAI Generated. May Contain Errors.

Community Trust Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Community Trust Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Community Trust Bancorp's net income appears to be on an upward trend, with a most recent value of $98.06 million in 2025, rising from $46.43 million in 2015. The previous period was $82.81 million in 2024. View Community Trust Bancorp's forecast to see where analysts expect Community Trust Bancorp to go next.

Over the last 10 years, Community Trust Bancorp's total revenue changed from $179.06 million in 2015 to $282.60 million in 2025, a change of 57.8%.

Community Trust Bancorp's total liabilities were at $5.83 billion at the end of 2025, a 7.2% increase from 2024, and a 70.0% increase since 2015.

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 $62.85 million as of their latest financial filing in 2025.

Over the last 10 years, Community Trust Bancorp's book value per share changed from 27.15 in 2015 to 47.26 in 2025, a change of 74.1%.


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Financial statements for NASDAQ:CTBI last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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