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Community Trust Bancorp, Inc.(CTBI)Earnings, Financials & Key Ratios
CTBI•NASDAQ•Banking & Credit
$66.27
$1.2B mkt cap·14.4× P/E·Price updated May 6, 2026
AboutCommunity Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.Show more
- Net Interest Income$186M+7.4%
- Total Revenue$376M+15.2%
- Net Income$83M+6.2%
- Return on Equity11.35%-3.3%
- Net Interest Margin3%
- Efficiency Ratio34.82%-9.4%
- ROA1.38%-1.1%
- Equity / Assets12.23%+0.5%
- Book Value per Share42.14+7.4%
- Tangible BV/Share38.09+8.4%
- Debt/Equity0.42-3.2%
CTBI Key Insights
Community Trust Bancorp, Inc. (CTBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 34.8% efficiency ratio
- ✓10 consecutive years of dividend growth
- ✓Well capitalized: 12.2% equity/assets
- ✓Healthy dividend yield of 2.8%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CTBI Price & Volume
Community Trust Bancorp, Inc. (CTBI) stock price & volume — 10-year historical chart
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CTBI Growth Metrics
Community Trust Bancorp, Inc. (CTBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.12%
5 Years9.8%
3 Years16.37%
TTM-
Profit CAGR
10 Years6.71%
5 Years5.11%
3 Years-1.98%
TTM18.1%
EPS CAGR
10 Years6.35%
5 Years4.84%
3 Years-2.28%
TTM17.5%
Return on Capital
10 Years11.56%
5 Years12.42%
3 Years12.85%
Last Year12.66%
CTBI Recent Earnings
Community Trust Bancorp, Inc. (CTBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (89%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 15, 2026EPS
$1.50
Est $1.39
+7.9%
Revenue
$74M
Est $73M
+1.6%
Q1 2026
Feb 27, 2026EPS
$1.51
Revenue
$106M
Q1 2026
Jan 21, 2026EPS
$1.51
Est $1.43
+5.6%
Revenue
$75M
Est $74M
+1.0%
Q4 2025
Oct 15, 2025EPS
$1.32
Est $1.38
-4.3%
Revenue
$72M
Est $72M
-0.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 15, 2026 | $1.50vs $1.39+7.9% | $74Mvs $73M+1.6% |
| Q1 2026 | Feb 27, 2026 | $1.51 | $106M |
| Q1 2026 | Jan 21, 2026 | $1.51vs $1.43+5.6% | $75Mvs $74M+1.0% |
| Q4 2025 | Oct 15, 2025 | $1.32vs $1.38-4.3% | $72Mvs $72M-0.5% |
Based on last 12 quarters of dataView full earnings history →
CTBI Peer Comparison
Community Trust Bancorp, Inc. (CTBI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 UBSI | 6.11B | 43.72 | 13.37 | 12.33% | 8.6% | 0.17 | ||
 WSBC | 3.31B | 34.44 | 15.24 | 51.41% | 5.67% | 0.41 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 RF | 24.49B | 28.21 | 12.32 | 2.51% | 11.29% | 0.26 |
Compare CTBI vs Peers
Community Trust Bancorp, Inc. (CTBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CTBI Income Statement
Community Trust Bancorp, Inc. (CTBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 133.02M | 137.4M | 142.16M | 144.88M | 150.99M | 163.08M | 169.1M | 173.11M | 186M | 210.39M |
| NII Growth % | 0.59% | 3.29% | 3.46% | 1.92% | 4.21% | 8.01% | 3.69% | 2.37% | 7.44% | 68.86% |
| Net Interest Margin % | 3.38% | 3.32% | 3.38% | 3.32% | 2.94% | 3.01% | 3.14% | 3% | 3% | 3.17% |
| Interest Income | 146.58M | 155.7M | 171.45M | 185.4M | 176.44M | 178.17M | 197.74M | 268.65M | 313.44M | 338.17M |
| Interest Expense | 13.55M | 18.29M | 29.3M | 40.51M | 25.45M | 15.09M | 28.64M | 95.54M | 127.45M | 127.78M |
| Loan Loss Provision | 7.87M | 7.52M | 6.17M | 4.82M | 16.05M | -6.39M | 4.91M | 6.81M | 10.95M | 12.12M |
| Non-Interest Income | 48.44M | 48.51M | 51.95M | 50.18M | 54.56M | 60.46M | 57.92M | 57.66M | 62.56M | 63.17M |
| Non-Interest Income % | 24.84% | 23.75% | 23.25% | 21.3% | 23.62% | 25.34% | 22.65% | 17.67% | 16.64% | 15.74% |
| Total Revenue | 195.02M▲ 0% | 204.2M▲ 4.7% | 223.4M▲ 9.4% | 235.58M▲ 5.5% | 231M▼ 1.9% | 238.63M▲ 3.3% | 255.66M▲ 7.1% | 326.31M▲ 27.6% | 376.01M▲ 15.2% | 401.34M▲ 0% |
| Revenue Growth % | 2.19% | 4.71% | 9.4% | 5.45% | -1.94% | 3.3% | 7.13% | 27.63% | 15.23% | 40.03% |
| Non-Interest Expense | 107.13M | 109.88M | 117.4M | 118.26M | 119.24M | 119.28M | 121.07M | 125.39M | 130.92M | 140.38M |
| Efficiency Ratio | 54.93% | 53.81% | 52.55% | 50.2% | 51.62% | 49.99% | 47.36% | 38.43% | 34.82% | 34.98% |
| Operating Income | 66.46M▲ 0% | 68.51M▲ 3.1% | 70.54M▲ 3.0% | 71.99M▲ 2.1% | 70.27M▼ 2.4% | 110.64M▲ 57.5% | 101.04M▼ 8.7% | 98.57M▼ 2.4% | 106.69M▲ 8.2% | 121.06M▲ 0% |
| Operating Margin % | 34.08% | 33.55% | 31.58% | 30.56% | 30.42% | 46.37% | 39.52% | 30.21% | 28.37% | 30.16% |
| Operating Income Growth % | 2.31% | 3.08% | 2.96% | 2.06% | -2.4% | 57.47% | -8.68% | -2.45% | 8.24% | - |
| Pretax Income | 66.46M▲ 0% | 68.51M▲ 3.1% | 70.54M▲ 3.0% | 71.99M▲ 2.1% | 70.27M▼ 2.4% | 110.64M▲ 57.5% | 101.04M▼ 8.7% | 98.57M▼ 2.4% | 106.69M▲ 8.2% | 121.06M▲ 0% |
| Pretax Margin % | 34.08% | 33.55% | 31.58% | 30.56% | 30.42% | 46.37% | 39.52% | 30.21% | 28.37% | 30.16% |
| Income Tax | 19.12M | 17.02M | 11.31M | 7.45M | 10.76M | 22.7M | 19.23M | 20.56M | 23.87M | 27.79M |
| Effective Tax Rate % | 28.76% | 24.84% | 16.04% | 10.35% | 15.31% | 20.52% | 19.03% | 20.86% | 22.38% | 22.95% |
| Net Income | 47.35M▲ 0% | 51.49M▲ 8.8% | 59.23M▲ 15.0% | 64.54M▲ 9.0% | 59.5M▼ 7.8% | 87.94M▲ 47.8% | 81.81M▼ 7.0% | 78M▼ 4.7% | 82.81M▲ 6.2% | 93.28M▲ 0% |
| Net Margin % | 24.28% | 25.22% | 26.51% | 27.4% | 25.76% | 36.85% | 32% | 23.9% | 22.02% | 23.24% |
| Net Income Growth % | 1.97% | 8.76% | 15.02% | 8.97% | -7.8% | 47.79% | -6.97% | -4.66% | 6.17% | 18.1% |
| Net Income (Continuing) | 47.35M | 51.49M | 59.23M | 64.54M | 59.5M | 87.94M | 81.81M | 78M | 82.81M | 93.28M |
| EPS (Diluted) | 2.70▲ 0% | 2.92▲ 8.1% | 3.35▲ 14.7% | 3.64▲ 8.7% | 3.35▼ 8.0% | 4.94▲ 47.5% | 4.58▼ 7.3% | 4.36▼ 4.8% | 4.61▲ 5.7% | 5.17▲ 0% |
| EPS Growth % | 1.5% | 8.15% | 14.73% | 8.66% | -7.97% | 47.46% | -7.29% | -4.8% | 5.73% | 17.5% |
| EPS (Basic) | 2.70 | 2.92 | 3.35 | 3.64 | 3.35 | 4.94 | 4.59 | 4.36 | 4.61 | - |
| Diluted Shares Outstanding | 17.57M | 17.65M | 17.7M | 17.74M | 17.76M | 17.8M | 17.85M | 17.9M | 17.98M | 18.05M |
CTBI Balance Sheet
Community Trust Bancorp, Inc. (CTBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 750.56M | 770.84M | 738.02M | 864.77M | 1.34B | 1.77B | 1.39B | 1.44B | 1.43B | 4.48B |
| Cash & Due from Banks | 145.17M | 185.07M | 144.27M | 264.93M | 338.48M | 312M | 128.93M | 271.64M | 369.75M | 507.87M |
| Short Term Investments | 605.39M | 585.76M | 594.92M | 599.84M | 997.26M | 1.46B | 1.26B | 1.16B | 1.06B | 627.04M |
| Total Investments | 3.51B | 3.67B | 3.77B | 3.82B | 4.53B | 4.83B | 4.92B | 5.17B | 5.49B | 5.78B |
| Investments Growth % | 2.16% | 4.68% | 2.66% | 1.2% | 18.66% | 6.58% | 1.96% | 5.01% | 6.25% | 26.71% |
| Long-Term Investments | 2.9B | 3.09B | 3.18B | 3.22B | 3.53B | 3.37B | 3.67B | 4B | 4.44B | 19.64B |
| Accounts Receivables | 0 | 0 | 14.43M | 14.84M | 15.82M | 15.41M | 19.59M | 23.57M | 24.76M | 25.13M |
| Goodwill & Intangibles | 69.06M | 68.97M | 69.1M | 68.75M | 69.56M | 72.26M | 73.96M | 73.16M | 72.85M | 72.36M |
| Goodwill | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M | 65.49M |
| Intangible Assets | 3.57M | 3.48M | 3.61M | 3.26M | 4.07M | 6.77M | 8.47M | 7.67M | 7.36M | 6.87M |
| PP&E (Net) | 47.94M | 46.32M | 45.29M | 58.6M | 55.22M | 52.63M | 59.7M | 61.01M | 64.02M | 68.22M |
| Other Assets | 160.06M | 161.62M | 156.59M | 141.84M | 130.89M | 138.58M | 136.44M | 143.77M | 141.45M | 165.61M |
| Total Current Assets | 750.56M | 770.84M | 752.45M | 879.61M | 1.35B | 1.78B | 1.4B | 1.46B | 1.45B | 1.16B |
| Total Non-Current Assets | 3.18B | 3.37B | 3.45B | 3.49B | 3.79B | 3.64B | 3.98B | 4.31B | 4.74B | 5.48B |
| Total Assets | 3.93B▲ 0% | 4.14B▲ 5.2% | 4.2B▲ 1.6% | 4.37B▲ 3.9% | 5.14B▲ 17.7% | 5.42B▲ 5.4% | 5.38B▼ 0.7% | 5.77B▲ 7.2% | 6.19B▲ 7.3% | 6.64B▲ 0% |
| Asset Growth % | 0.72% | 5.19% | 1.58% | 3.91% | 17.71% | 5.43% | -0.7% | 7.24% | 7.34% | 36.06% |
| Return on Assets (ROA) | 1.21% | 1.28% | 1.42% | 1.51% | 1.25% | 1.67% | 1.52% | 1.4% | 1.38% | 1.41% |
| Accounts Payable | 0 | 0 | 2.9M | 2.84M | 1.24M | 1.02M | 2.24M | 7.39M | 8.38M | 19.19M |
| Total Debt | 318.17M | 311.31M | 293.67M | 308.26M | 428.57M | 342.81M | 291.75M | 306.71M | 320.19M | 366.41M |
| Net Debt | 173M | 126.24M | 149.4M | 43.34M | 90.09M | 30.81M | 162.82M | 35.07M | -49.56M | -141.46M |
| Long-Term Debt | 62.28M | 60.19M | 59.78M | 58.26M | 58.24M | 58.22M | 58.2M | 65.08M | 64.02M | 64.14M |
| Short-Term Debt | 255.88M | 251.13M | 233.89M | 234.82M | 356.36M | 271.59M | 215.93M | 225.75M | 240.67M | 285.36M |
| Other Liabilities | 24.24M | 25.92M | 31.58M | 29.33M | 33.69M | 31.39M | 32.13M | 28.76M | 36.91M | 35.69M |
| Total Current Liabilities | 3.34B | 3.51B | 3.54B | 3.64B | 4.37B | 4.62B | 4.64B | 4.96B | 5.32B | 5.69B |
| Total Non-Current Liabilities | 94.36M | 90.54M | 94.72M | 107.88M | 110.59M | 103.16M | 107.96M | 109.73M | 116.43M | 116.74M |
| Total Liabilities | 3.43B | 3.61B | 3.64B | 3.75B | 4.48B | 4.72B | 4.75B | 5.07B | 5.44B | 5.81B |
| Total Equity | 500.62M▲ 0% | 530.7M▲ 6.0% | 564.15M▲ 6.3% | 614.89M▲ 9.0% | 654.87M▲ 6.5% | 698.2M▲ 6.6% | 628.05M▼ 10.0% | 702.21M▲ 11.8% | 757.58M▲ 7.9% | 831.37M▲ 0% |
| Equity Growth % | 5.26% | 6.01% | 6.3% | 8.99% | 6.5% | 6.62% | -10.05% | 11.81% | 7.89% | 40.14% |
| Equity / Assets (Capital Ratio) | 12.73% | 12.83% | 13.43% | 14.08% | 12.74% | 12.89% | 11.67% | 12.17% | 12.23% | 12.52% |
| Return on Equity (ROE) | 9.7% | 9.99% | 10.82% | 10.95% | 9.37% | 13% | 12.34% | 11.73% | 11.35% | 11.22% |
| Book Value per Share | 28.50 | 30.06 | 31.87 | 34.66 | 36.88 | 39.22 | 35.18 | 39.23 | 42.14 | 46.05 |
| Tangible BV per Share | 24.57 | 26.16 | 27.96 | 30.79 | 32.96 | 35.16 | 31.04 | 35.14 | 38.09 | 42.04 |
| Common Stock | 88.14M | 88.47M | 88.67M | 88.97M | 89.05M | 89.22M | 89.59M | 90M | 90.29M | 90.55M |
| Additional Paid-in Capital | 219.7M | 221.47M | 223.16M | 224.91M | 225.51M | 227.09M | 229.01M | 231.13M | 233.8M | 235.77M |
| Retained Earnings | 195.08M | 224.27M | 258.94M | 296.76M | 326.74M | 386.75M | 438.6M | 484.4M | 531.86M | 576.16M |
| Accumulated OCI | -2.3M | -3.51M | -6.61M | 4.25M | 13.57M | -4.85M | -129.15M | -103.32M | -98.37M | -71.11M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CTBI Cash Flow Statement
Community Trust Bancorp, Inc. (CTBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 61.42M | 62.35M | 65.49M | 83.46M | 62.38M | 115.69M | 99.68M | 85.73M | 105.17M | 105.17M |
| Operating CF Growth % | 11.72% | 1.51% | 5.03% | 27.44% | -25.26% | 85.47% | -13.84% | -14% | 22.68% | 34.36% |
| Net Income | 47.35M | 51.49M | 59.23M | 64.54M | 59.5M | 87.94M | 81.81M | 78M | 82.81M | 93.28M |
| Depreciation & Amortization | 3.9M | 4.01M | 3.79M | 5.51M | 5.35M | 5.03M | 5.22M | 5.35M | 5M | 5.49M |
| Deferred Taxes | 701K | -3.09M | -246K | -1.41M | -2.91M | 2.33M | 3.25M | 709K | -1.73M | -3.73M |
| Other Non-Cash Items | 9.35M | 12.09M | 8.81M | 11.92M | -3.92M | 16.84M | 7.88M | 5.12M | 7.98M | 9.53M |
| Working Capital Changes | -331K | -2.78M | -6.8M | 2.03M | 3.41M | 2.71M | 159K | -5.02M | 9.76M | 6.21M |
| Cash from Investing | -86.11M | -186.59M | -100.59M | -34.49M | -693.53M | -358.62M | -280.01M | -226.6M | -335.67M | -410.53M |
| Purchase of Investments | -176.24M | -231.68M | -281.51M | -196.73M | -857.17M | -797.45M | -179.63M | -19.48M | -55.37M | -136.62M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -175.24M | -230.68M | -280.51M | -195.73M | -856.17M | -796.45M | -178.63M | -18.48M | -54.37M | -132.62M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -65.92M | -199.77M | -79.27M | -35.19M | -303.07M | 134.76M | -299.47M | -346.98M | -439.63M | -472.14M |
| Cash from Financing | -18.21M | 154.79M | 1.28M | 74.27M | 704.7M | 216.45M | -2.75M | 283.58M | 328.61M | 564.76M |
| Dividends Paid | -22.19M | -22.98M | -24.39M | -26.23M | -27.14M | -27.92M | -29.94M | -32.19M | -33.41M | -34.9M |
| Share Repurchases | -382K | 0 | 0 | 0 | -1.1M | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 2.98M | 1.51M | 1.23M | 1.26M | 926K | 965K | 1.04M | 1.13M | 1.77M | 1.3M |
| Net Stock Activity | 2.6M | 1.51M | 1.23M | 1.26M | -173K | 965K | 1.04M | 1.13M | 1.77M | 1.3M |
| Debt Issuance (Net) | -1000K | -1000K | -409K | -1000K | -35K | -39K | -44K | 1000K | -245K | -380K |
| Other Financing | 101.49M | 177.8M | 24.85M | 100.55M | 732.05M | 243.44M | 26.19M | 308.29M | 360.49M | 598.74M |
| Net Change in Cash | -42.9M▲ 0% | 30.56M▲ 171.2% | -33.82M▼ 210.7% | 123.23M▲ 464.3% | 73.55M▼ 40.3% | -26.48M▼ 136.0% | -183.07M▼ 591.4% | 142.71M▲ 178.0% | 98.11M▼ 31.3% | 266.68M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 187.61M | 144.72M | 175.27M | 141.45M | 264.68M | 338.24M | 311.76M | 128.69M | 271.4M | 395.29M |
| Cash at End | 144.72M | 175.27M | 141.45M | 264.68M | 338.24M | 311.76M | 128.69M | 271.4M | 369.5M | 507.62M |
| Interest Paid | 13.43M | 17.27M | 28.62M | 40.58M | 27.05M | 15.32M | 27.42M | 90.39M | 126.46M | 124.89M |
| Income Taxes Paid | 19.24M | 21.4M | 9.7M | 9.99M | 13.28M | 19.48M | 16.29M | 20.73M | 20.61M | 5.45M |
| Free Cash Flow | 57.93M▲ 0% | 59.95M▲ 3.5% | 62.66M▲ 4.5% | 80.89M▲ 29.1% | 60.9M▼ 24.7% | 113.32M▲ 86.1% | 93.47M▼ 17.5% | 79.41M▼ 15.0% | 97.09M▲ 22.3% | 103.8M▲ 0% |
| FCF Growth % | 9.85% | 3.49% | 4.51% | 29.1% | -24.71% | 86.09% | -17.52% | -15.04% | 22.27% | 7.68% |
CTBI Banking Ratios
Community Trust Bancorp, Inc. (CTBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.7% | 9.99% | 10.82% | 10.95% | 9.37% | 13% | 12.34% | 11.73% | 11.35% | 11.22% |
| Return on Assets (ROA) | 1.21% | 1.28% | 1.42% | 1.51% | 1.25% | 1.67% | 1.52% | 1.4% | 1.38% | 1.41% |
| Net Interest Margin | 3.38% | 3.32% | 3.38% | 3.32% | 2.94% | 3.01% | 3.14% | 3% | 3% | 3.17% |
| Efficiency Ratio | 54.93% | 53.81% | 52.55% | 50.2% | 51.62% | 49.99% | 47.36% | 38.43% | 34.82% | 34.98% |
| Equity / Assets | 12.73% | 12.83% | 13.43% | 14.08% | 12.74% | 12.89% | 11.67% | 12.17% | 12.23% | 12.52% |
| Book Value / Share | 28.5 | 30.06 | 31.87 | 34.66 | 36.88 | 39.22 | 35.18 | 39.23 | 42.14 | 46.05 |
| NII Growth | 0.59% | 3.29% | 3.46% | 1.92% | 4.21% | 8.01% | 3.69% | 2.37% | 7.44% | 17.24% |
| Dividend Payout | 46.87% | 44.63% | 41.19% | 40.65% | 45.61% | 31.74% | 36.59% | 41.26% | 40.34% | 37.41% |
CTBI SEC Filings & Documents
Community Trust Bancorp, Inc. (CTBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
CTBI Frequently Asked Questions
Community Trust Bancorp, Inc. (CTBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Community Trust Bancorp, Inc. (CTBI) grew revenue by 15.2% over the past year. This is strong growth.
Yes, Community Trust Bancorp, Inc. (CTBI) is profitable, generating $93.3M in net income for fiscal year 2024 (22.0% net margin).
Dividend & Returns
Yes, Community Trust Bancorp, Inc. (CTBI) pays a dividend with a yield of 2.80%. This makes it attractive for income-focused investors.
Community Trust Bancorp, Inc. (CTBI) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.
Industry Metrics
Community Trust Bancorp, Inc. (CTBI) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
Community Trust Bancorp, Inc. (CTBI) has an efficiency ratio of 34.8%. This is excellent, indicating strong cost control.
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