Community Trust Bancorp, Inc. (CTBI) Earnings History
Growth Compounder35 years of earnings data (1991–2025) · Consistent double-digit EPS growth over 5 years
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Community Trust Bancorp, Inc. (CTBI) Earnings Overview
As of November 8, 2026, Community Trust Bancorp, Inc. (CTBI) reported trailing twelve-month net income of $110M, reflecting +17.8% year-over-year growth. The company earned $6.07 per diluted share over the past four quarters, with a net profit margin of 34.7%.
Looking at the long-term picture, CTBI's 5-year EPS compound annual growth rate (CAGR) stands at +10.1%, showing solid earnings momentum. The company achieved its highest annual net income of $98M in fiscal 2025, representing a new all-time high.
Community Trust Bancorp, Inc. maintains industry-leading profitability with a gross margin of 96.6%, operating margin of 45.0%, and net margin of 34.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($218M net income, 25.7% margin), FFIN ($291M net income, 40.6% margin), UBSI ($513M net income, 37.6% 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 (1991–2025)
35 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $98M | +18.4% | $127M | $5.43 | 34.7% | 45.0% |
| 2024 | $83M | +6.2% | $107M | $4.61 | 33.3% | 42.9% |
| 2023 | $78M | -4.7% | $99M | $4.36 | 33.8% | 42.7% |
| 2022 | $82M | -7.0% | $101M | $4.58 | 36.0% | 44.5% |
| 2021 | $88M | +47.8% | $111M | $4.94 | 39.3% | 49.5% |
| 2020 | $60M | -7.8% | $70M | $3.35 | 28.9% | 34.2% |
| 2019 | $65M | +9.0% | $72M | $3.64 | 33.1% | 36.9% |
| 2018 | $59M | +15.0% | $71M | $3.35 | 30.5% | 36.3% |
| 2017 | $51M | +8.8% | $69M | $2.92 | 27.7% | 36.9% |
| 2016 | $47M | +2.0% | $66M | $2.70 | 26.1% | 36.6% |
| 2015 | $46M | +7.4% | $65M | $2.66 | 25.9% | 36.3% |
| 2014 | $43M | -4.3% | $62M | $2.49 | 24.4% | 35.2% |
| 2013 | $45M | +0.7% | $65M | $2.62 | 24.6% | 35.4% |
| 2012 | $45M | +15.5% | $65M | $2.63 | 25.2% | 36.5% |
| 2011 | $39M | +17.5% | $56M | $2.30 | 22.2% | 31.7% |
| 2010 | $33M | +31.8% | $48M | $1.96 | 20.6% | 29.7% |
| 2009 | $25M | +8.6% | $36M | $1.50 | 17.1% | 24.3% |
| 2008 | $23M | -37.0% | $31M | $1.38 | 16.5% | 22.5% |
| 2007 | $37M | -6.2% | $53M | $2.16 | 25.7% | 37.2% |
| 2006 | $39M | +13.5% | $56M | $2.32 | 27.8% | 39.6% |
| 2005 | $34M | +11.2% | $50M | $2.06 | 25.2% | 36.5% |
| 2004 | $31M | +7.1% | $44M | $1.90 | 24.3% | 34.5% |
| 2003 | $29M | +4.7% | $41M | $1.77 | 23.9% | 33.8% |
| 2002 | $28M | +23.9% | $40M | $1.65 | 23.6% | 33.9% |
| 2001 | $22M | -0.3% | $33M | $1.32 | 20.8% | 30.7% |
| 2000 | $22M | +2.3% | $33M | $1.28 | 21.5% | 31.4% |
| 1999 | $22M | +56.0% | $31M | $1.22 | 20.8% | 29.9% |
| 1998 | $14M | -26.7% | $18M | $0.78 | 14.6% | 18.6% |
| 1997 | $19M | +1.6% | $24M | $1.07 | 20.1% | 25.2% |
| 1996 | $19M | +74.1% | $27M | $1.06 | 20.9% | 30.4% |
| 1995 | $11M | +44.0% | $15M | $0.62 | 14.0% | 20.0% |
| 1994 | $8M | -44.9% | $10M | $0.49 | 11.8% | 15.1% |
| 1993 | $14M | +13.3% | $19M | $0.64 | 21.0% | 28.8% |
| 1992 | $12M | +46.3% | $17M | $0.85 | 19.2% | 26.7% |
| 1991 | $8M | - | $10M | $0.87 | 15.6% | 18.8% |
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CTBI — Frequently Asked Questions
Quick answers to the most common questions about buying CTBI stock.
What is CTBI earnings per share (EPS)?
CTBI trailing twelve-month (TTM) diluted EPS is $6.07, reflecting +17.8% year-over-year growth. The 5-year EPS CAGR is +10.1%. Complete EPS history from 1991 to 2025 is available in the table on this page.
What is Community Trust Bancorp, Inc.'s net income?
Community Trust Bancorp, Inc. (CTBI) trailing twelve-month net income is $110M as of 2025. Earnings grew +17.8% year-over-year. Community Trust Bancorp, Inc. has been profitable for 35 consecutive years.
Is CTBI profitable?
Yes, CTBI is profitable with a TTM net income of $110M and a net profit margin of +34.7%. Community Trust Bancorp, Inc. has generated profits for 35 consecutive years.
What is CTBI's earnings growth rate?
CTBI compound annual EPS growth rates (CAGR): 1-Year: +17.8%, 3-Year: +5.8%, 5-Year: +10.1%, 10-Year: +7.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1991 to 2025.
What are CTBI's profit margins?
Community Trust Bancorp, Inc. net profit margin is +34.7%, operating margin is +45.0%, and gross margin is +96.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.2%.
Is CTBI growing earnings?
Yes, CTBI earnings are accelerating — EPS growth of +17.8% exceeds the 5-year CAGR of +10.1%. TTM net income reached $110M. Earnings momentum is strengthening.
What was CTBI's best earnings year?
Community Trust Bancorp, Inc.'s highest annual net income on record is $98M, achieved in fiscal year 2025. Earnings history on this page spans 1991 to 2025 and includes all annual and quarterly figures.
What were CTBI's earnings last quarter?
CTBI's most recent reported quarter was Q3 2026. Net income was $26M with diluted EPS of $1.43. For a full breakdown of all quarters, see the quarterly earnings table on this page.