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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.00M | $3.70M | $3.60M | $3.30M | $3.20M | $3.50M |
| Operating Income | $127.09M | $106.69M | $98.57M | $101.04M | $70.27M | $70.27M |
| Interest Expense | - | - | $95.54M | $28.64M | $15.09M | $25.45M |
| Income Tax | $29.03M | $23.87M | $20.56M | $19.23M | $22.70M | $10.76M |
| Net Income | $98.06M | $82.81M | $78.00M | $81.81M | $87.94M | $59.50M |
| EPS - Basic | $5.44 | $4.61 | $4.36 | $4.59 | $4.94 | $3.35 |
| EPS - Diluted | $5.43 | $4.61 | $4.36 | $4.58 | $4.94 | $3.35 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $363.68M | $369.50M | $271.40M | $128.69M | $311.76M | $338.24M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $6.68B | $6.19B | $5.77B | $5.38B | $5.42B | $5.14B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $63.78M | $64.02M | $57.84M | - | - | - |
| Total Liabilities | $5.83B | $5.44B | $5.07B | $4.75B | $4.72B | $4.48B |
| Stockholders' Equity | $856.07M | $757.58M | $702.21M | $628.05M | $698.20M | $654.87M |
| Retained Earnings | $593.89M | $531.86M | $484.40M | $438.60M | $386.75M | $326.74M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $104.99M | $105.17M | $85.73M | $99.68M | $115.69M | $62.38M |
| Investing Cash Flow | ($463.22M) | ($335.67M) | ($226.60M) | ($280.01M) | ($358.62M) | ($693.53M) |
| Financing Cash Flow | $352.41M | $328.61M | $283.58M | ($2.75M) | $216.45M | $704.70M |
| CapEx | $7.60M | $8.08M | $6.32M | $6.22M | $2.37M | $1.48M |
| Free Cash Flow | $97.39M | $97.09M | $79.41M | $93.47M | $113.32M | $60.90M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.99 | 1.17 | 1.02 | 1.14 | 1.29 | 1.02 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.8% | 22.4% | 20.9% | 19.0% | 20.5% | 15.3% |
| Return on assets | 1.5% | 1.3% | 1.4% | 1.5% | 1.6% | 1.2% |
| Return on equity | 11.5% | 10.9% | 11.1% | 13.0% | 12.6% | 9.1% |
| Return on invested capital | 10.7% | 10.1% | 10.3% | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.07 | 0.08 | 0.08 | - | - | - |
| Debt / Assets | 0.01 | 0.01 | 0.01 | - | - | - |
| Debt / EBITDA | 0.49 | 0.58 | 0.57 | - | - | - |
| Interest coverage | - | - | 1.0x | 3.5x | 4.7x | 2.8x |
| Equity multiplier | 7.81 | 8.17 | 8.22 | 8.57 | 7.76 | 7.85 |
| Liabilities / Assets | 0.87 | 0.88 | 0.88 | 0.88 | 0.87 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.4x | 11.5x | 10.1x | 10.0x | 8.8x | 11.1x |
| P / B | 1.2x | 1.3x | 1.1x | 1.3x | 1.1x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.5x | 5.9x | 5.6x | 6.6x | 6.3x | 4.3x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 19.1% | 8.2% | -2.4% | 43.8% | 0.0% | 2.6% |
| Net income growth (YoY) | 18.4% | 6.2% | -4.7% | -7.0% | 47.8% | -7.8% |
| EPS growth (YoY) | 17.8% | 5.7% | -4.8% | -7.3% | 47.5% | -8.0% |
| EPS CAGR (3y) | 5.8% | -2.3% | 9.2% | 8.0% | 13.8% | 4.7% |
| EPS CAGR (5y) | 10.1% | 4.8% | 5.4% | 9.4% | 12.8% | 4.7% |
| FCF growth (YoY) | 0.3% | 22.3% | -15.0% | -17.5% | 86.1% | -24.7% |
| FCF CAGR (5y) | 9.8% | 3.7% | 4.9% | 9.6% | 14.4% | -7.2% |
| Book value growth (YoY) | 13.0% | 7.9% | 11.8% | -10.0% | 6.6% | 6.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |