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COMMUNITY TRUST BANCORP INC /KY/

CTBI

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Assets
Cash And Due From Banks
649263717769738655565969
Interest Bearing Deposits In Banks
451267301436319272296155107237213150
Cash And Cash Equivalents At Carrying Value
514359364508395341370241162293271219
Certificates Of Deposit At Carrying Value
000000000000
Available For Sale Securities Debt Securities
1,0521,0881,1211,0389951,0091,0561,0981,0901,1121,1641,136
Equity Securities Fv Ni
--------3433
Equity Securities Fv Ni Current And Noncurrent
54444443--3-
Loans Receivable Held For Sale Net Not Part Of Dis…
000000000000
Notes Receivable Gross
5,1254,9914,8954,7944,7024,6374,4874,3504,2614,1614,0513,985
Financing Receivable Allowance For Credit Losses
--61-60-59-58-57-55-53-52-51-50-49
Notes Receivable Net
5,0624,9304,8354,7354,6444,5804,4324,2974,2094,1114,0013,936
Property Plant And Equipment Net
535353525251504847474545
Operating Lease Right Of Use Asset
111112121213111212121313
Finance Lease Right Of Use Asset
-44433333333
Federal Home Loan Bank Stock
6555105559458
Federal Reserve Bank Stock
555555555555
Goodwill
656565656565656565656565
Bank Owned Life Insurance
12412312312211611510210110110110194
Servicing Asset At Fair Value Amount
777777778888
Other Real Estate And Foreclosed Assets
433555412122
Deferred Income Tax Assets Net
222121222425292130302841
Interest Receivable
262626252424252424242421
Other Assets
303737282826263133303134
Assets
6,9896,7416,6846,6386,3916,2776,1935,9635,8045,8505,7705,635
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities
1,2591,2631,2631,2491,2581,2361,2431,2051,2421,2751,2611,314
Interest Bearing Deposit Liabilities
4,3984,1714,1264,1373,9753,8763,8283,6343,4923,5103,4643,314
Deposits
5,6585,4345,3895,3855,2335,1115,0704,8384,7344,7844,7254,628
Securities Sold Under Agreements To Repurchase
297299309285225247240233228235225233
Federal Funds Purchased
111111111111
Advances From Federal Home Loan Banks
000000000000
Junior Subordinated Debenture Owed To Unconsolidat…
646464646464646464646464
Operating Lease Liability
121212121313121212131313
Finance Lease Liability
-44533333333
Interest Payable Current And Noncurrent
1612919151181612978
Other Liabilities
464541363042373431332931
Liabilities
6,0985,8705,8285,8075,5845,4925,4365,2025,0855,1435,0674,982
Stockholders Equity
Preferred Stock Value
000000000000
Common Stock Value
919191919191909090909090
Additional Paid In Capital Common Stock
238237236236235234234233232232231231
Retained Earnings Accumulated Deficit
632612594576562545532518504493484474
Accumulated Other Comprehensive Income Loss Net Of…
-68-68-65-71-81-86-98-81-107-107-103-141
Stockholders Equity
892871856831807784758761719708702653
Liabilities And Stockholders Equity
6,9896,7416,6846,6386,3916,2776,1935,9635,8045,8505,7705,635
Available For Sale Debt Securities Amortized Cost …
1,1431,1791,2071,1331,1021,1231,1871,2051,2331,2541,3011,324
Preferred Stock Shares Authorized
000000000000
Common Stock Par Or Stated Value Per Share
555555555555
Common Stock Shares Authorized
252525252525252525252525
Shares Outstanding
181818181818181818181818
Common Stock Shares Issued
18181818181818181818-18

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20260.81%9.93%15.68%---------
20250.08%5.02%10.25%9.11%6.50%-0.40%4.76%10.01%16.52%-1.53%12.67%7.59%
2024-4.94%-0.33%19.05%9.59%5.68%12.32%2.13%-6.49%-6.03%-5.22%-12.75%-2.65%
2023----8.23%-12.33%-4.55%5.59%13.16%8.00%4.09%7.83%13.50%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
37.75
35.50
33.01
30.76
29.02
26.43
4.07
2.57
2.11
1.89
2.03
2.31
Per Share Metrics
Diluted EPS TTM
5.97
5.71
5.43
5.17
5.07
4.78
4.61
4.39
4.31
4.31
4.36
4.57
Free Cash Flow Per Share TTM
7.21
5.59
5.41
5.76
5.71
5.99
5.42
5.37
4.64
4.42
4.44
4.81
Dividend Per Share TTM
2.12
2.06
2.00
1.94
1.88
1.87
1.86
1.85
1.84
1.82
1.80
1.78
Margin Metrics
Gross Profit Margin TTM
65.35%
64.45%
63.34%
62.21%
61.33%
60.43%
59.34%
53.27%
53.76%
55.09%
58.08%
69.18%
Operating Profit Margin TTM
39.19%
38.15%
36.76%
35.80%
35.73%
34.70%
34.04%
33.01%
33.62%
34.61%
36.69%
40.36%
Net Profit Margin TTM
30.25%
29.39%
28.36%
27.58%
27.78%
26.87%
26.42%
25.91%
26.31%
27.37%
29.04%
32.36%
Growth Metrics
Net Revenue Growth (1Y)
8.40%
9.65%
10.30%
10.95%
11.87%
13.39%
16.67%
20.58%
25.48%
31.34%
35.86%
36.90%
Net Income Growth (1Y)
18.03%
19.94%
18.41%
18.10%
18.13%
11.29%
6.17%
-3.43%
-3.81%
-4.95%
-4.66%
4.03%
EPS Growth (1Y)
17.69%
19.58%
17.99%
17.73%
17.65%
10.86%
5.79%
-3.81%
-4.10%
-5.24%
-4.93%
3.73%
Valuation Metrics
P/E TTM
12.10
10.53
10.21
10.54
10.06
10.07
10.90
10.62
9.42
9.10
9.16
6.75
P/B TTM
1.47
1.25
1.17
1.18
1.14
1.11
1.19
1.10
1.01
1.00
1.02
0.85
P/S TTM
3.66
3.10
2.90
2.91
2.79
2.71
2.88
2.75
2.48
2.49
2.66
2.19
Market Cap
1.31B
1.09B
1.00B
982.93M
920.68M
867.44M
902.71M
839.10M
729.56M
704.23M
714.42M
552.38M
Enterprise Value
792.76M
729.12M
637.40M
475.31M
525.39M
526.77M
533.21M
598.16M
567.90M
410.93M
443.02M
333.12M
Calculated Values
Free Cash Flow TTM
130.31M
100.81M
97.39M
103.84M
102.87M
107.75M
97.25M
96.51M
83.32M
79.15M
79.41M
86.10M
Net Debt
-514.35M
-358.66M
-363.68M
-507.62M
-395.29M
-340.67M
-369.51M
-240.94M
-161.66M
-293.30M
-271.40M
-219.26M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-13Purchase
Owner: Sparkman, Ricky D
Title: Executive Vice President
Shares: 84
Price/Share: $58.50
Value: $4,914.00
Shares Owned: 84
Relationship: Officer
Ownership: Direct
2025-08-18Sale
Owner: Waters, Andy D
Title: Executive Vice President
Shares: 918
Price/Share: $56.18
Value: $51,573.24
Shares Owned: 632
Relationship: Officer
Ownership: Direct
2025-06-02Purchase
Owner: Minnifield, Franky
Title: -
Shares: 2,000
Price/Share: $51.01
Value: $102,020.00
Shares Owned: 17,099
Relationship: Director
Ownership: Direct
2024-07-22Sale
Owner: Jones, David Andrew
Title: Executive Vice President
Shares: 10,000
Price/Share: $49.42
Value: $494,200.00
Shares Owned: 8,052
Relationship: Officer
Ownership: Direct
2024-07-22Purchase
Owner: Jones, David Andrew
Title: Executive Vice President
Shares: 10,000
Price/Share: $32.27
Value: $322,700.00
Shares Owned: 10,000
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
63.86%
Inst. Shares: 11,526,496
Shares Outstanding: 18,049,000
2025-12-31
62.32%
Inst. Shares: 11,225,904
Shares Outstanding: 18,013,000
2025-09-30
61.75%
Inst. Shares: 11,126,530
Shares Outstanding: 18,019,000
2025-06-30
61.33%
Inst. Shares: 11,047,412
Shares Outstanding: 18,012,000
2025-03-31
60.82%
Inst. Shares: 10,944,503
Shares Outstanding: 17,995,000

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) — SEC Financial Statements & Analysis

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) is a state commercial banks company, incorporated in KY. COMMUNITY TRUST BANCORP INC /KY/ trades on Nasdaq as: CTBI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), COMMUNITY TRUST BANCORP INC /KY/ reported a 8.40% year-over-year revenue growth, a Gross Profit Margin of 65.35% (TTM), a Price-to-Sales (P/S) ratio of 3.66x (TTM), a Price-to-Book (P/B) ratio of 1.47x (TTM), at a market cap of $1.31B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
8.40%
Gross Profit Margin TTM
65.35%
P/S TTM
3.66x
P/B TTM
1.47x
Market Cap
$1.31B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is COMMUNITY TRUST BANCORP INC /KY/ in?

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) operates in the State Commercial Banks industry.

What is CTBI's market cap?

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) has a market capitalization of $1.31B as of 2026-06-30.

What is CTBI's P/E ratio?

COMMUNITY TRUST BANCORP INC /KY/ (CTBI)'s trailing twelve month P/E ratio is 12.10x as of 2026-06-30.

What exchange does CTBI trade on?

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) trades on the Nasdaq.

Where is COMMUNITY TRUST BANCORP INC /KY/ incorporated?

COMMUNITY TRUST BANCORP INC /KY/ is incorporated in KY.

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Main Street's price.