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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. COMMUNITY TRUST BANCORP, INC.
Community Trust Bancorp, Inc.
XNAS: CTBI
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49.41% Gain from 52W Low
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XNAS 16 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for Community Trust Bancorp Inc is on 22 Oct 2026 for the purpose of Community Trust Bancorp Inc Third Quarter Earnings Results for 2026See details

Community Trust Bancorp Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Community Trust Bancorp Inc share price target, revenues, EPS, net income and more

Community Trust Bancorp Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Community Trust Bancorp Inc Jun-2026 Quarterly Revenue is $78 Million which is growth of 11.8% YoY.

  • POSITIVE

    Quarterly Net Profit Community Trust Bancorp Inc Jun-2026 Quarterly Net Profit is $30 Million which is growth of 19.0% YoY.

Community Trust Bancorp, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
78.574.274.771.570.266.265.762.861.458.756.758.657.8
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------2019.419.6
Operating Profit
----------
⌄
-------------
Profit Before Tax
38.435.435.430.932.528.429.327.52623.923.325.924.8
Tax
8.78.28.177.66.46.85.46.55.24.65.35.4
⌄
29.627.227.323.924.92222.522.119.518.718.720.619.4
Diluted NI Avail to Com Stockholders Ann.
29.627.227.323.924.92222.522.119.518.718.720.619.4
Basic EPS
1.61.51.51.31.41.21.31.21.1111.21.1
Diluted EPS After ExtraOrdinary
1.61.51.51.31.41.21.31.21.1111.21.1
Number Of Shares End
18.118.118181818181817.917.917.917.917.9
Net Income Continuing Discontinued Operations
29.627.227.323.924.92222.522.119.518.718.720.619.4
Normalized Income
3027.627.224.325.122.422.822.419.719192119.5
Interest Income
91.287.889.588.685.682.18279.876.77573.369.564.8
Interest
30.42931.43331.530.832.532.63131.430.426.421.8
Net Interest Income
60.958.858.155.65451.349.547.245.743.64343.143.1
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.11.51.51.41.41.41.21.31.31.11.31.51.7
Profit From Continuing Operations
29.627.227.323.924.92222.522.119.518.718.720.619.4
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Community Trust Bancorp Inc competitor comparison and performance snapshot within industry

Community Trust Bancorp Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Community Trust Bancorp Inc Dec-2025 Annual Revenue is $283 Million which is growth of 13.7% YoY.

  • POSITIVE

    Annual Net Profit Community Trust Bancorp Inc Dec-2025 Annual Net Profit is $98 Million which is growth of 18.4% YoY.

Community Trust Bancorp, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
7.6%
6.6%
 282.6248.6230.8227223.5205.6195.1194.1185.9181.5179.1
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---95.5-28.6-15.1-25.5-40.5-29.3-18.3-13.6-11.8
Operating Profit Ann.
-
-
 --326.3255.7238.6231235.6223.4204.2195190.8
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
8%
12.6%
139.9127.1106.798.6101110.670.37270.568.566.565
Tax Ann.
14.7%
21.8%
31.92923.920.619.222.710.87.511.31719.118.5
⌄
6.2%
10.5%
10898.182.87881.887.959.564.559.251.547.446.4
Diluted NI Avail to Com Stockholders Ann.
6.2%
10.5%
10898.182.87881.887.959.564.559.251.547.446.4
EPS Ann.
5.5%
9.7%
 5.44.64.44.64.93.43.63.42.92.72.7
Diluted EPS Ann.
5.5%
9.7%
 5.44.64.44.64.93.43.63.42.92.72.7
Number Of Shares End
0.2%
0.2%
 181817.917.917.817.817.717.717.717.617.5
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
6.2%
10.5%
10898.182.87881.887.959.564.559.251.547.446.4
Normalized Income Ann.
6.1%
9.8%
1099983.979.182.989.261.969.361.853.948.648
Interest Income Ann.
20.5%
14.4%
357.1345.7313.4268.7197.7178.2176.4185.4171.5155.7146.6144
Interest Ann.
64.2%
37.8%
123.7126.7127.595.528.615.125.540.529.318.313.611.8
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
3.7%
1.4%
5.55.855.45.255.45.53.843.93.9
Profit From Continuing Operations Ann.
6.2%
10.5%
10898.182.87881.887.959.564.559.251.547.446.4
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
13.7%
2Y CAGR
10.7%
3Y CAGR
7.6%
5Y CAGR
6.6%
7Y CAGR
5.5%
10Y CAGR
4.7%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
18.5%
2Y CAGR
12.1%
3Y CAGR
6.2%
5Y CAGR
10.5%
7Y CAGR
7.5%
10Y CAGR
7.8%
Net Profit Annual growth is higher than historical averages.

Community Trust Bancorp Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Community Trust Bancorp Inc Dec-2025 Total Shareholders Fund is $856 Million which is growth of 13.0% YoY.

  • POSITIVE

    Total Assets Community Trust Bancorp Inc Dec-2025 Total Assets is $6,684 Million which is growth of 7.9% YoY.

Community Trust Bancorp, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
7.5%
5.4%
6,684.16,193.25,769.75,380.35,418.35,139.14,3664,201.64,136.23,932.23,903.9
⌄
7%
5.4%
5,828.15,435.75,067.54,752.34,720.14,484.33,751.13,637.53,605.53,431.63,428.4
⌄
10.9%
5.5%
856.1757.6702.2628.1698.2654.9614.9564.2530.7500.6475.6
Total Capitalization Ann.
10.3%
5.2%
920.2821.9766.8686.2756.4713.1673.1623.9590.9562.9638
Tangible Assets Ann.
12.3%
6%
783.8684.7629.1554.1625.9585.3546.1495.1461.7431.6406.6
Working Capital Ann.
-
-
--
Invested Capital Ann.
10.3%
5.2%
920.2821.9766.8686.2756.4713.1673.1623.9590.9562.9638
Tangible Book Value Ann.
12.3%
6%
783.8684.7629.1554.1625.9585.3546.1495.1461.7431.6406.6
Borrowings Ann.
2%
2.2%
80.579.58175.871.272.273.459.860.262.3162.4
Net Debt Ann.
-
-
1.7----------
Share Issued Ann.
0.4%
0.3%
18.118.11817.917.817.817.817.717.717.617.5
Number Of Shares End
0.2%
0.2%
181817.917.917.817.817.717.717.717.617.5
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
7.9%
2Y CAGR
7.6%
3Y CAGR
7.5%
5Y CAGR
5.4%
7Y CAGR
6.9%
10Y CAGR
5.5%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
13%
2Y CAGR
10.4%
3Y CAGR
10.9%
5Y CAGR
5.5%
7Y CAGR
6.1%
10Y CAGR
6.1%
Total ShareHolders Funds Annual growth is higher than historical averages.

Community Trust Bancorp Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Community Trust Bancorp Inc Book Value Per Share is $47 which is growth of 12.7% YoY.

  • NEUTRAL

    ROE Community Trust Bancorp Inc ROE is 0% which is growth of 0% YoY.

Community Trust Bancorp, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.38%1.40%1.52%1.67%1.25%1.51%1.42%1.28%1.21%1.22%
ROE Ann. %
-
-
-11.35%11.73%12.34%13.00%9.37%10.95%10.82%9.99%9.70%10.06%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--141.40%112.62%106.75%112.38%120.77%115.09%109.84%107.47%106.58%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-000000.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.10.10.10.10.10.10.10.10.10.4
*All financials are in USD Million and price data in USD
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Community Trust Bancorp Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Community Trust Bancorp Inc Dec-2025 Cash From Operating Activity is $105 Million which is growth of -0.2% YoY.

  • NEGATIVE

    Net Cash Flow Community Trust Bancorp Inc Dec-2025 Net Cash Flow is $-6 Million which is growth of -105.9% YoY.

Community Trust Bancorp, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
1.7%
11%
105105.285.799.7115.762.483.565.562.461.455
⌄
-
-
-463.2-335.7-226.6-280-358.6-693.5-34.5-100.6-186.6-86.1-108.4
⌄
-
-12.9%
352.4328.6283.6-2.8216.5704.774.31.3154.8-18.2135.5
Cash Plus Cash Eqv. End Of Year Ann.
41.4%
1.5%
363.7369.5271.4128.7311.8338.2264.7141.5175.3144.7187.6
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-5.898.1142.7-183.1-26.573.6123.2-33.830.6-42.982.1
Cash Plus Cash Eqv. Begin Of Year Ann.
5.8%
6.9%
369.5271.4128.7311.8338.2264.7141.5175.3144.7187.6105.5
Income Tax Paid Supplemental Data Ann.
20.5%
16.5%
28.520.620.716.319.513.3109.721.419.220.5
Interest Paid Supplemental Data Ann.
66.6%
36.1%
126.6126.590.427.415.327.140.628.617.313.411.6
Capex Ann.
-
-
-7.6-8.1-6.3-6.2-2.4-1.5-2.6-2.8-2.4-3.5-2.3
Issuance Of Capital Stock Ann.
9.1%
7.6%
1.31.81.1110.91.31.21.532.1
Issuance Of Debt Ann.
30.5%
32%
100100231.645253035050170
Repayment Of Debt Ann.
-
-
-100.4-100.3-225.2-45-0-25-31.3-0.4-351.5-150.1-130.1
Repurchase Of Capital Stock Ann.
-
-
----1.1--0.4-0.2
Free Cash Flow Ann.
1.4%
9.8%
97.497.179.493.5113.360.980.962.76057.952.7
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
-0.2%
2Y CAGR
10.7%
3Y CAGR
1.7%
5Y CAGR
11%
7Y CAGR
7%
10Y CAGR
6.7%
Cash from Operating Activity Annual is falling faster than historical averages.
Cash from Financing Act. Ann.
1Y CHG
7.2%
2Y CAGR
11.5%
5Y CAGR
-12.9%
7Y CAGR
122.6%
10Y CAGR
10%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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