COMMUNITY TRUST BANCORP INC /KY/
COMMUNITY TRUST BANCORP INC /KY/
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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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 64 | 92 | 63 | 71 | 77 | 69 | 73 | 86 | 55 | 56 | 59 | 69 | |||||
Interest Bearing Deposits In Banks | 451 | 267 | 301 | 436 | 319 | 272 | 296 | 155 | 107 | 237 | 213 | 150 | |||||
Cash And Cash Equivalents At Carrying Value | 514 | 359 | 364 | 508 | 395 | 341 | 370 | 241 | 162 | 293 | 271 | 219 | |||||
Certificates Of Deposit At Carrying Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Available For Sale Securities Debt Securities | 1,052 | 1,088 | 1,121 | 1,038 | 995 | 1,009 | 1,056 | 1,098 | 1,090 | 1,112 | 1,164 | 1,136 | |||||
Equity Securities Fv Ni | - | - | - | - | - | - | - | - | 3 | 4 | 3 | 3 | |||||
Equity Securities Fv Ni Current And Noncurrent | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | - | - | 3 | - | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Notes Receivable Gross | 5,125 | 4,991 | 4,895 | 4,794 | 4,702 | 4,637 | 4,487 | 4,350 | 4,261 | 4,161 | 4,051 | 3,985 | |||||
Financing Receivable Allowance For Credit Losses | - | -61 | -60 | -59 | -58 | -57 | -55 | -53 | -52 | -51 | -50 | -49 | |||||
Notes Receivable Net | 5,062 | 4,930 | 4,835 | 4,735 | 4,644 | 4,580 | 4,432 | 4,297 | 4,209 | 4,111 | 4,001 | 3,936 | |||||
Property Plant And Equipment Net | 53 | 53 | 53 | 52 | 52 | 51 | 50 | 48 | 47 | 47 | 45 | 45 | |||||
Operating Lease Right Of Use Asset | 11 | 11 | 12 | 12 | 12 | 13 | 11 | 12 | 12 | 12 | 13 | 13 | |||||
Finance Lease Right Of Use Asset | - | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Federal Home Loan Bank Stock | 6 | 5 | 5 | 5 | 10 | 5 | 5 | 5 | 9 | 4 | 5 | 8 | |||||
Federal Reserve Bank Stock | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Goodwill | 65 | 65 | 65 | 65 | 65 | 65 | 65 | 65 | 65 | 65 | 65 | 65 | |||||
Bank Owned Life Insurance | 124 | 123 | 123 | 122 | 116 | 115 | 102 | 101 | 101 | 101 | 101 | 94 | |||||
Servicing Asset At Fair Value Amount | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 8 | |||||
Other Real Estate And Foreclosed Assets | 4 | 3 | 3 | 5 | 5 | 5 | 4 | 1 | 2 | 1 | 2 | 2 | |||||
Deferred Income Tax Assets Net | 22 | 21 | 21 | 22 | 24 | 25 | 29 | 21 | 30 | 30 | 28 | 41 | |||||
Interest Receivable | 26 | 26 | 26 | 25 | 24 | 24 | 25 | 24 | 24 | 24 | 24 | 21 | |||||
Other Assets | 30 | 37 | 37 | 28 | 28 | 26 | 26 | 31 | 33 | 30 | 31 | 34 | |||||
Assets | 6,989 | 6,741 | 6,684 | 6,638 | 6,391 | 6,277 | 6,193 | 5,963 | 5,804 | 5,850 | 5,770 | 5,635 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Deposits | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 1,259 | 1,263 | 1,263 | 1,249 | 1,258 | 1,236 | 1,243 | 1,205 | 1,242 | 1,275 | 1,261 | 1,314 | |||||
Interest Bearing Deposit Liabilities | 4,398 | 4,171 | 4,126 | 4,137 | 3,975 | 3,876 | 3,828 | 3,634 | 3,492 | 3,510 | 3,464 | 3,314 | |||||
Deposits | 5,658 | 5,434 | 5,389 | 5,385 | 5,233 | 5,111 | 5,070 | 4,838 | 4,734 | 4,784 | 4,725 | 4,628 | |||||
Securities Sold Under Agreements To Repurchase | 297 | 299 | 309 | 285 | 225 | 247 | 240 | 233 | 228 | 235 | 225 | 233 | |||||
Federal Funds Purchased | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Advances From Federal Home Loan Banks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | 64 | |||||
Operating Lease Liability | 12 | 12 | 12 | 12 | 13 | 13 | 12 | 12 | 12 | 13 | 13 | 13 | |||||
Finance Lease Liability | - | 4 | 4 | 5 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Interest Payable Current And Noncurrent | 16 | 12 | 9 | 19 | 15 | 11 | 8 | 16 | 12 | 9 | 7 | 8 | |||||
Other Liabilities | 46 | 45 | 41 | 36 | 30 | 42 | 37 | 34 | 31 | 33 | 29 | 31 | |||||
Liabilities | 6,098 | 5,870 | 5,828 | 5,807 | 5,584 | 5,492 | 5,436 | 5,202 | 5,085 | 5,143 | 5,067 | 4,982 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 91 | 91 | 91 | 91 | 91 | 91 | 90 | 90 | 90 | 90 | 90 | 90 | |||||
Additional Paid In Capital Common Stock | 238 | 237 | 236 | 236 | 235 | 234 | 234 | 233 | 232 | 232 | 231 | 231 | |||||
Retained Earnings Accumulated Deficit | 632 | 612 | 594 | 576 | 562 | 545 | 532 | 518 | 504 | 493 | 484 | 474 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -68 | -68 | -65 | -71 | -81 | -86 | -98 | -81 | -107 | -107 | -103 | -141 | |||||
Stockholders Equity | 892 | 871 | 856 | 831 | 807 | 784 | 758 | 761 | 719 | 708 | 702 | 653 | |||||
Liabilities And Stockholders Equity | 6,989 | 6,741 | 6,684 | 6,638 | 6,391 | 6,277 | 6,193 | 5,963 | 5,804 | 5,850 | 5,770 | 5,635 | |||||
Available For Sale Debt Securities Amortized Cost … | 1,143 | 1,179 | 1,207 | 1,133 | 1,102 | 1,123 | 1,187 | 1,205 | 1,233 | 1,254 | 1,301 | 1,324 | |||||
Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Common Stock Shares Authorized | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Shares Outstanding | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | |||||
Common Stock Shares Issued | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | - | 18 | |||||
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Interactive Financial Visualizations
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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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.81% | 9.93% | 15.68% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.08% | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
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.