Community Trust Bancorp, Inc. (CTBI) Earnings History
Annual and quarterly earnings data from 1991 to 2024
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CTBI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CTBI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 63.2% | 28.4% | 22.0% |
| 2023 | 68.6% | 30.2% | 23.9% |
| 2022 | 86.9% | 39.5% | 32.0% |
| 2021 | 96.4% | 46.4% | 36.9% |
| 2020 | 82.0% | 30.4% | 25.8% |
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Community Trust Bancorp, Inc. (CTBI) Earnings Overview
As of May 8, 2026, Community Trust Bancorp, Inc. (CTBI) reported trailing twelve-month net income of $93M, reflecting +5.7% year-over-year growth. The company earned $5.17 per diluted share over the past four quarters, with a net profit margin of 22.0%.
Looking at the long-term picture, CTBI's 5-year EPS compound annual growth rate (CAGR) stands at +4.8%, reflecting modest earnings expansion. The company achieved its highest annual net income of $88M in fiscal 2021.
Community Trust Bancorp, Inc. maintains industry-leading profitability with a gross margin of 63.2%, operating margin of 28.4%, and net margin of 22.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), FFIN ($243M net income, 30.2% margin), UBSI ($465M net income, 25.5% margin), CTBI has outperformed on profitability metrics. Compare CTBI vs NBTB →
CTBI Earnings vs Peers
Earnings metrics vs comparable public companies
CTBI Historical Earnings Data (1991–2024)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $83M | +6.2% | $107M | $4.61 | 22.0% | 28.4% |
| 2023 | $78M | -4.7% | $99M | $4.36 | 23.9% | 30.2% |
| 2022 | $82M | -7.0% | $101M | $4.58 | 32.0% | 39.5% |
| 2021 | $88M | +47.8% | $111M | $4.94 | 36.9% | 46.4% |
| 2020 | $60M | -7.8% | $70M | $3.35 | 25.8% | 30.4% |
| 2019 | $65M | +9.0% | $72M | $3.64 | 27.4% | 30.6% |
| 2018 | $59M | +15.0% | $71M | $3.35 | 26.5% | 31.6% |
| 2017 | $51M | +8.8% | $69M | $2.92 | 25.2% | 33.6% |
| 2016 | $47M | +2.0% | $66M | $2.70 | 24.3% | 34.1% |
| 2015 | $46M | +7.4% | $65M | $2.66 | 24.3% | 34.0% |
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Start ComparisonCTBI — Frequently Asked Questions
Quick answers to the most common questions about buying CTBI stock.
Is CTBI growing earnings?
CTBI EPS stands at $5.17, with +5.7% growth matching the 5-year CAGR of +4.8%. TTM net income is $93M. Earnings trajectory remains consistent.
What are CTBI's profit margins?
Community Trust Bancorp, Inc. net margin is +22.0%, with operating margin at +28.4%. Above-average margins indicate pricing power.
How consistent are CTBI's earnings?
CTBI earnings data spans 1991-2024. The current earnings trend is +5.7% YoY. Historical data enables comparison across business cycles.