CTBI

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Community Trust Bancorp, Inc.

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Key Metrics

Previous Close: $76.11
52-Week Range: $50.25 – $79.92
Market Cap: $1.38B
P/E (TTM): 12.77
EPS (TTM): 5.97
Dividend Yield: 3.41%

Advanced Metrics

Price/Book: 1.55
PEG Ratio: 1.03
Return on Equity: 12.72%
Return on Assets: 1.61%
Gross Margin: 0.00%
Operating Margin: 52.09%
Profit Margin: 37.63%
Current Ratio: —
Debt/Equity: —
Total Debt: $377.54M
Free Cash Flow: —
Revenue Growth: 11.20%
Earnings Growth: 18.80%
Enterprise Value: $1.68B

CTBI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$227.02M	$230.77M	$248.56M	$282.60M
Selling, General & Admin	$76.94M	$79.41M	$85.14M	$91.47M
Pretax Income	$101.04M	$98.57M	$106.69M	$127.09M
Income Tax	$19.23M	$20.56M	$23.87M	$29.03M
Net Income	$81.81M	$78.00M	$82.81M	$98.06M
Diluted EPS	4.58	4.36	4.61	5.43
Diluted Shares	17.85M	17.90M	17.98M	18.04M

CTBI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$128.93M	$271.64M	$369.75M	$363.93M
Receivables	$19.59M	$23.57M	$24.76M	$25.96M
Total Assets	$5.38B	$5.77B	$6.19B	$6.68B
Long-Term Debt	$58.20M	$64.58M	$64.33M	$64.08M
Total Debt	$75.82M	$80.97M	$79.52M	$80.49M
Total Liabilities	$4.75B	$5.07B	$5.44B	$5.83B
Retained Earnings	$438.60M	$484.40M	$531.86M	$593.89M
Shareholders' Equity	$628.05M	$702.21M	$757.58M	$856.07M

CTBI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$99.68M	$85.85M	$105.33M	$104.99M
Capital Expenditure	-$6.22M	-$6.32M	-$8.08M	-$7.60M
Free Cash Flow	$93.47M	$79.53M	$97.25M	$97.39M
Depreciation & Amortisation	$5.22M	$5.35M	$5.00M	$5.75M
Stock-Based Compensation	$1.37M	$1.58M	$1.35M	$1.77M
Investing Cash Flow	-$280.01M	-$226.60M	-$335.67M	-$463.22M
Financing Cash Flow	-$2.75M	$283.46M	$328.45M	$352.41M
Dividends Paid	-$29.94M	-$32.19M	-$33.41M	-$35.98M
Share Repurchases	$0.00	—	—	—
Net Change in Cash	-$183.07M	$142.71M	$98.11M	-$5.82M

CTBI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$70.21M	$71.50M	$74.72M	$74.20M	—
Selling, General & Admin	$23.11M	$23.43M	$23.45M	$23.55M	—
Pretax Income	$32.45M	$30.89M	$35.36M	$35.35M	—
Income Tax	$7.55M	$6.98M	$8.08M	$8.16M	—
Net Income	$24.90M	$23.91M	$27.28M	$27.19M	—
Diluted EPS	1.38	1.32	1.51	1.50	1.64
Diluted Shares	18.04M	18.05M	18.06M	18.08M	18.10M

CTBI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$340.91M	$395.54M	$507.87M	$363.93M	$358.90M
Receivables	$24.03M	$24.45M	$25.13M	$25.96M	$25.59M
Total Assets	$6.28B	$6.39B	$6.64B	$6.68B	$6.74B
Long-Term Debt	$64.27M	$64.20M	$64.14M	$64.08M	$64.01M
Total Debt	$80.73M	$80.29M	$81.05M	$80.49M	$80.01M
Total Liabilities	$5.49B	$5.58B	$5.81B	$5.83B	$5.87B
Retained Earnings	$545.37M	$561.80M	$576.16M	$593.89M	$611.51M
Shareholders' Equity	$784.17M	$806.87M	$831.37M	$856.07M	$871.25M

CTBI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$36.58M	$15.93M	$37.54M	$14.94M	$39.48M
Capital Expenditure	-$2.08M	-$2.36M	-$1.19M	-$1.98M	-$1.55M
Free Cash Flow	$34.51M	$13.57M	$36.35M	$12.96M	$37.93M
Depreciation & Amortisation	$1.40M	$1.42M	$1.43M	$1.51M	$1.48M
Stock-Based Compensation	$544.00K	$403.00K	$399.00K	$428.00K	$503.00K
Investing Cash Flow	-$104.64M	-$53.42M	-$128.10M	-$177.06M	-$70.22M
Financing Cash Flow	$39.22M	$92.11M	$202.89M	$18.18M	$25.72M
Dividends Paid	-$8.46M	-$8.46M	-$9.52M	-$9.53M	-$9.57M
Net Change in Cash	-$28.84M	$54.63M	$112.33M	-$143.94M	-$5.03M

Market Snapshot

About

Community Trust Bancorp, Inc. is a bank holding company headquartered in Pikeville, Kentucky, that operates Community Trust Bank, which provides banking and financial services across Kentucky, Tennessee, and West Virginia. The company offers a full range of retail and commercial banking services including deposit accounts, residential and commercial lending, mortgage banking, wealth management, and brokerage services. Community Trust operates over 70 banking locations in smaller markets and rural communities throughout the Appalachian region. The bank focuses on relationship-based community banking with an emphasis on personalized service and local decision-making.