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Financials · CTBI

Community Trust Bancorp Inc. (CTBI) financials

For the twelve months ended Sep 30, 2026, Community Trust Bancorp Inc. reported $307.11M of revenue and $109.98M of net income.

Revenue, TTM
$307.11M
Revenue growth, YoY
+12.3%
Net income, TTM
$109.98M
Net income growth, YoY
+17.9%
Net margin
35.8%
Free cash flow, TTM
$126.41M
EPS, diluted, TTM
$6.08
EPS growth, YoY
+17.6%
Cash
$331.57M
P/E
11.60
P/S
4.15
Market cap
$1.28B
Annual revenue$282.60M
FY2016FY2025
Annual net income$98.06M
FY2016FY2025
Annual free cash flow$97.39M
FY2016FY2025

CTBI revenue and earnings growth

CTBI revenueQ3 2026$79.70M

Quarter YoY
+11.5%
QoQ
+1.5%
FY YoY
+13.7%
5Y CAGR
+6.6%
10Y CAGR
+4.7%

CTBI revenue was $79.70M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.5% from a year earlier and up 1.5% from the prior quarter. For the full fiscal 2025 it was $282.60M, up 13.7% from fiscal 2024. Compound annual growth was +6.6% over 5 years and +4.7% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CTBI net incomeQ3 2026$25.89M

Quarter YoY
+8.3%
QoQ
-12.6%
FY YoY
+18.4%
5Y CAGR
+10.5%
10Y CAGR
+7.8%

CTBI net income was $25.89M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.3% from a year earlier and down 12.6% from the prior quarter. For the full fiscal 2025 it was $98.06M, up 18.4% from fiscal 2024. Compound annual growth was +10.5% over 5 years and +7.8% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CTBI EPSQ3 2026$1.43

Quarter YoY
+8.3%
QoQ
-12.8%
FY YoY
+17.8%
5Y CAGR
+10.1%
10Y CAGR
+7.4%

CTBI diluted EPS was $1.43 in fiscal Q3 2026 (ended Sep 30, 2026), up 8.3% from a year earlier and down 12.8% from the prior quarter. For the full fiscal 2025 it was $5.43, up 17.8% from fiscal 2024. Compound annual growth was +10.1% over 5 years and +7.4% over 10 years.

CTBI free cash flowQ3 2026$32.45M

Quarter YoY
-10.7%
QoQ
-24.7%
FY YoY
+0.1%
5Y CAGR
+9.8%
10Y CAGR
+6.3%

CTBI free cash flow was $32.45M in fiscal Q3 2026 (ended Sep 30, 2026), down 10.7% from a year earlier and down 24.7% from the prior quarter. For the full fiscal 2025 it was $97.39M, up 0.1% from fiscal 2024. Compound annual growth was +9.8% over 5 years and +6.3% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$282.60M$248.56M$230.77M$227.02M$223.54M$205.55M$195.07M$194.11M$185.91M$181.46M
Interest expense--$95.54M$28.64M$15.09M$25.45M$40.51M$29.30M$18.29M$13.55M
Pre-tax income$127.09M$106.69M$98.57M$101.04M$110.64M$70.27M$71.99M$70.54M$68.51M$66.46M
Income tax$29.03M$23.87M$20.56M$19.23M$22.70M$10.76M$7.45M$11.31M$17.02M$19.12M
Net income$98.06M$82.81M$78.00M$81.81M$87.94M$59.50M$64.54M$59.23M$51.49M$47.35M
EPS, basic$5.44$4.61$4.36$4.59$4.94$3.35$3.64$3.35$2.92$2.70
EPS, diluted$5.43$4.61$4.36$4.58$4.94$3.35$3.64$3.35$2.92$2.70
Diluted shares18.0M18.0M17.9M17.9M17.8M17.8M17.7M17.7M17.7M17.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$363.68M$369.50M$271.40M$128.69M$311.76M$338.24M$264.68M$141.45M$175.27M$144.72M
Goodwill$65.49M$65.49M$65.49M$65.49M$65.49M$65.49M$65.49M$65.49M$65.49M$65.49M
Total assets$6.68B$6.19B$5.77B$5.38B$5.42B$5.14B$4.37B$4.20B$4.14B$3.93B
Short-term debt$309.30M$240.67M$225.75M$215.93M$271.59M$356.36M$234.82M$233.89M$251.13M$255.88M
Total debt$63.78M$64.02M$64.24M$57.84M------
Total liabilities$5.83B$5.44B$5.07B$4.75B$4.72B$4.48B$3.75B$3.64B$3.61B$3.43B
Shareholders' equity$856.07M$757.58M$702.21M$628.05M$698.20M$654.87M$614.89M$564.15M$530.70M$500.62M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$104.99M$105.33M$85.85M$99.68M$115.69M$62.38M$83.46M$65.49M$62.35M$61.42M
Capital expenditures$7.60M$8.08M$6.32M$6.22M$2.37M$1.48M$2.57M$2.83M$2.40M$3.50M
Free cash flow$97.39M$97.25M$79.53M$93.47M$113.32M$60.90M$80.89M$62.66M$59.95M$57.93M
Investing cash flow-$463.22M-$335.67M-$226.60M-$280.01M-$358.62M-$693.53M-$34.49M-$100.59M-$186.59M-$86.11M
Financing cash flow$352.41M$328.45M$283.46M-$2.75M$216.45M$704.70M$74.27M$1.28M$154.79M-$18.21M
Dividends paid$35.98M$33.41M$32.19M$29.94M$27.92M$27.14M$26.23M$24.39M$22.98M$22.19M
Share repurchases---$0$0$1.10M$0$0$0$382.0K
Stock-based compensation$1.77M$1.35M$1.58M$1.37M$850.0K$944.0K$859.0K$710.0K$636.0K$458.0K
Depreciation and amortization$4.00M$3.70M$3.60M$3.30M$3.20M$3.50M$3.80M$3.80M$3.90M$3.70M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY13.7%7.7%1.7%1.6%8.8%5.4%0.5%4.4%2.5%1.3%
Net income growth, YoY18.4%6.2%-4.7%-7.0%47.8%-7.8%9.0%15.0%8.8%2.0%
EPS growth, YoY17.8%5.7%-4.8%-7.3%47.5%-8.0%8.7%14.7%8.1%1.5%
Net margin34.7%33.3%33.8%36.0%39.3%28.9%33.1%30.5%27.7%26.1%
Free cash flow margin34.5%39.1%34.5%41.2%50.7%29.6%41.5%32.3%32.2%31.9%
Return on equity11.5%10.9%11.1%13.0%12.6%9.1%10.5%10.5%9.7%9.5%
Return on assets1.5%1.3%1.4%1.5%1.6%1.2%1.5%1.4%1.2%1.2%
Debt to equity0.070.080.090.09------

Source: XBRL data Community Trust Bancorp Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CTBI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CTBI$307.11M+12.3%$109.98M35.8%$1.28B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CTBI FAQ

8 questions
  • What is CTBI revenue?
    Community Trust Bancorp Inc. (CTBI) reported $307.11M of revenue for the twelve months ended Sep 30, 2026. That is up 12.3% from the year before. Revenue for fiscal 2025 was $282.60M.
  • Is CTBI profitable?
    Yes. Community Trust Bancorp Inc. earned $109.98M in net income for the twelve months ended Sep 30, 2026, a net margin of 35.8%.
  • How much cash and debt does CTBI have?
    Community Trust Bancorp Inc. reported $331.57M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CTBI revenue growing?
    Community Trust Bancorp Inc.'s revenue changed +13.7% in fiscal 2025, to $282.60M. Its compound annual growth rate was +6.6% over 5 years and +4.7% over 10 years.
  • What is CTBI free cash flow?
    Community Trust Bancorp Inc. generated $126.41M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $132.16M less capital expenditures.
  • What is CTBI earnings per share?
    Diluted earnings per share were $6.08 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CTBI last report financial results?
    The latest statements here come from Community Trust Bancorp Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this CTBI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Community Trust Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.