CTBI · Community Trust Bancorp Inc /Ky/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.09M | - | $968.0K | $1.03M | $926.0K | - | - | - | - | - |
| Operating Income | $35.35M | - | $30.89M | $32.45M | $28.39M | - | $27.51M | $25.99M | $23.85M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $31.41M | - |
| Income Tax | $8.16M | - | $6.98M | $7.55M | $6.42M | - | $5.37M | $6.49M | $5.17M | - |
| Net Income | $27.19M | - | $23.91M | $24.90M | $21.97M | - | $22.14M | $19.50M | $18.68M | - |
| EPS - Basic | $1.51 | - | $1.33 | $1.38 | $1.22 | - | $1.23 | $1.09 | $1.04 | - |
| EPS - Diluted | $1.50 | - | $1.32 | $1.38 | $1.22 | - | $1.23 | $1.09 | $1.04 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $358.65M | $363.68M | $507.62M | $395.29M | $340.67M | $369.50M | $240.94M | $161.66M | $293.30M | $271.40M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $6.74B | $6.68B | $6.64B | $6.39B | $6.28B | $6.19B | $5.96B | $5.80B | $5.85B | $5.77B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $63.78M | - | - | - | $64.02M | - | - | - | $64.24M |
| Total Liabilities | $5.87B | $5.83B | $5.81B | $5.58B | $5.49B | $5.44B | $5.20B | $5.09B | $5.14B | $5.07B |
| Stockholders' Equity | $871.25M | $856.07M | $831.37M | $806.87M | $784.17M | $757.58M | $760.76M | $719.32M | $707.72M | $702.21M |
| Retained Earnings | $611.51M | $593.89M | $576.16M | $561.80M | $545.37M | $531.86M | $517.81M | $504.12M | $492.87M | $484.40M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $39.48M | - | - | - | $36.58M | - | - | - | $26.15M | - |
| Investing Cash Flow | ($70.22M) | - | - | - | ($104.64M) | - | - | - | ($65.29M) | - |
| Financing Cash Flow | $25.72M | - | - | - | $39.22M | - | - | - | $61.05M | - |
| CapEx | $1.55M | - | - | - | $2.08M | - | - | - | $2.18M | - |
| Free Cash Flow | $37.93M | - | - | - | $34.51M | - | - | - | $23.96M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.39 | - | - | - | 1.57 | - | - | - | 1.28 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.1% | - | 22.6% | 23.3% | 22.6% | - | 19.5% | 25.0% | 21.7% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.4% | - | 0.4% | 0.3% | 0.3% | - |
| Return on equity | 3.1% | - | 2.9% | 3.1% | 2.8% | - | 2.9% | 2.7% | 2.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.07 | - | - | - | 0.08 | - | - | - | 0.09 |
| Debt / Assets | - | 0.01 | - | - | - | 0.01 | - | - | - | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.8x | - |
| Equity multiplier | 7.74 | 7.81 | 7.98 | 7.92 | 8.00 | 8.17 | 7.84 | 8.07 | 8.27 | 8.22 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 | 0.87 | 0.88 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 40.5x | - | 42.4x | 38.3x | 41.3x | - | 40.4x | 40.1x | 41.0x | - |
| P / B | 1.3x | - | 1.2x | 1.2x | 1.2x | - | 1.2x | 1.1x | 1.1x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 20.3x | - | 15.8x | 16.7x | 19.3x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.5% | - | 12.3% | 24.9% | 19.0% | - | 6.2% | 4.8% | -3.0% | - |
| Net income growth (YoY) | 23.8% | - | 8.0% | 27.7% | 17.6% | - | 7.3% | 0.5% | -3.3% | - |
| EPS growth (YoY) | 23.0% | - | 7.3% | 26.6% | 17.3% | - | 7.0% | 0.9% | -3.7% | - |
| EPS CAGR (3y) | 11.6% | - | 6.9% | 6.6% | 3.2% | - | 1.1% | -6.7% | -7.9% | - |
| EPS CAGR (5y) | 2.4% | - | 6.1% | 4.5% | 26.9% | - | 7.4% | 1.1% | 4.4% | - |
| FCF growth (YoY) | 9.9% | - | - | - | 44.0% | - | - | - | -1.2% | - |
| FCF CAGR (5y) | 3.9% | - | - | - | 21.0% | - | - | - | 15.1% | - |
| Book value growth (YoY) | 11.1% | 13.0% | 9.3% | 12.2% | 10.8% | 7.9% | 16.5% | 9.0% | 7.7% | 11.8% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing COMMUNITY TRUST BANCORP INC /KY/ against the 5 most active filers in the same SIC group.
Dividends
$2.06/share trailing 12 months · +10.2% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2026 | $0.5300 |
| Dec 15, 2025 | $0.5300 |
| Sep 15, 2025 | $0.5300 |
| Jun 13, 2025 | $0.4700 |
| Mar 14, 2025 | $0.4700 |
| Dec 13, 2024 | $0.4700 |
| Sep 13, 2024 | $0.4700 |
| Jun 14, 2024 | $0.4600 |
| Mar 14, 2024 | $0.4600 |
| Dec 14, 2023 | $0.4600 |
| Sep 14, 2023 | $0.4600 |
| Jun 14, 2023 | $0.4400 |
| Mar 14, 2023 | $0.4400 |
| Dec 14, 2022 | $0.4400 |
| Sep 14, 2022 | $0.4400 |
| Jun 14, 2022 | $0.4000 |
| Mar 14, 2022 | $0.4000 |
| Dec 14, 2021 | $0.4000 |
| Sep 14, 2021 | $0.4000 |
| Jun 14, 2021 | $0.3850 |
| Mar 12, 2021 | $0.3850 |
| Dec 14, 2020 | $0.3850 |
| Sep 14, 2020 | $0.3850 |
| Jun 12, 2020 | $0.3800 |