Community Trust Bancorp, Inc.

Community Trust Bancorp, Inc.

CTBI
Community Trust Bancorp, Inc.US flagNASDAQ Global Select
72.75
USD
-1.32
- -
1.32BMarket Cap
Community Trust Bancorp, Inc.
CTBI
(NASDAQ Global Select)

Recent

price

72.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.56
10.41
10.47
10.72
10.22
10.27
10.34
10.54
10.97
11.01
11.58
12.57
12.73
12.9
13.85
15.69
16.12
Revenue per Share
1.97
2.31
2.64
2.63
2.5
2.66
2.7
2.92
3.35
3.64
3.35
4.94
4.59
4.36
4.61
5.44
5.73
Basic EPS, GAAP
3.51
3.63
3.15
5.16
3.2
3.03
3.3
2.73
3.54
4.56
3.43
6.37
5.24
4.45
5.42
5.41
5.59
Free Cash Flow per Basic Share
1.09
1.11
1.13
1.43
1.19
1.22
1.26
1.3
1.38
1.48
1.53
1.57
1.68
1.8
1.86
2
2.06
Dividend per Share
10.73
11.91
13.34
14.77
13.39
14.77
16.14
17.74
19.65
21.76
23.43
26.76
29.61
32.11
34.66
38
38.96
Book Value per Share
16.03
17.69
19.49
19.98
21.87
23.32
24.59
26.19
27.99
30.81
32.98
35.19
31.07
35.17
38.15
43.51
44.33
Tangible Book Value per Share
17
17
17
17
17
17
18
18
18
18
18
18
18
18
18
18
18
Basic Weighted Avg Shares
160
175
178
184
177
179
181
186
194
195
206
224
227
231
249
283
291
Sales/Revenue/Turnover
29.75
- -
36.55
35.42
35.22
36.28
36.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
4
4
5
4
4
4
4
4
6
5
5
5
5
5
6
6
Depreciation Expense
33
39
45
45
43
46
47
51
59
65
60
88
82
78
83
98
103
Net Income, GAAP
30.67
30.21
31.07
30.69
30.68
28.53
28.76
24.84
16.04
10.35
15.31
20.52
19.03
20.86
22.38
22.84
22.96
Effective Tax Rate (%)
20.62
22.15
25.19
24.55
24.41
25.93
26.09
27.7
30.51
33.09
28.95
39.34
36.04
33.8
33.32
34.7
35.54
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
83
83
63
63
123
162
62
60
60
73
72
71
76
81
80
80
80
LT Debt
339
367
400
412
448
476
501
531
564
615
655
698
628
702
758
856
871
Total Equity
7.8
- -
9.69
9.63
8.27
7.69
7.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
19.17
20.41
20.98
18.81
17.82
18.97
17.51
17.28
17.94
17.6
14.85
19.72
16.3
14.15
13.84
15.01
15.44
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
64
64
64
LT Finance Leases
17
16
16
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18
18
18
Market Capitalization
1,007
1,018
1,095

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,135
570
536
Accounts Receivable, Net
25
26
26
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
19
9
12
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.23%
5.85%
13%
Free Cash Flow
10.35%
15.22%
0.14%
Net Income, GAAP
8.77%
12.15%
18.41%
Sales/Revenue/Turnover
4.74%
6.67%
13.69%
Total Cash Common Dividend
5.38%
5.82%
7.71%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
59
61
63
66
249
2025
66
70
72
75
283
2026
74
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.04
1.09
1.23
1.25
4.61
2025
1.22
1.38
1.33
1.51
5.44
2026
1.51
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
0.46
0.47
0.47
1.86
2025
0.47
0.47
0.53
0.53
2
2026
0.53
- -
- -
- -
- -
Business
Community Trust Bancorp, Inc. Community Trust Bancorp, Inc. (CTBI) is a bank holding company that owns Community Trust Bank, Inc., a commercial bank headquartered in Pikeville, Kentucky, and Community Trust and Investment Company, a trust company based in Lexington, Kentucky; the company was incorporated in 1980 with roots tracing to 1903 as Pikeville National Bank. CTBI provides a broad array of commercial and personal banking services, including accepting time and demand deposits, checking accounts, savings accounts, savings certificates, individual retirement accounts, Keogh plans, and money market accounts; it offers secured and unsecured loans such as commercial, construction, mortgage, and personal loans, along with lease-financing, lines of credit, revolving credit, term loans, and asset-based financing; additional services encompass cash management for corporate and individual customers, letters of credit, safe deposit box rentals, funds transfer, brokerage, insurance, and trust and wealth management activities including personal trusts, estate executorships, employee benefit trusts, paying agent services for bonds and stocks, investment agency, and securities depository services. The company operates approximately 79 banking locations across eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee, plus trust offices in Kentucky and Tennessee, targeting small and mid-sized communities with a focus on personalized service and local market knowledge complemented by digital banking platforms. In recent developments, CTBI reported record earnings for the second quarter of 2025 with net income of $24.9 million, up from prior periods, alongside significant asset growth to $6.6 billion and deposit expansion to $5.7 billion as of September 30, 2025; the loan portfolio reached $4.5 billion by year-end 2024 with 10.8% year-over-year growth, while total revenue and investment portfolio adjustments reflect ongoing balance sheet strengthening amid deposit growth outpacing loans.

Company News

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