What is Community Tr Bancorp Inc's earnings per share (EPS)?

Community Tr Bancorp Inc (CTBI) reported diluted earnings per share of $5.43 for fiscal year 2025. This represents a 17.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Community Tr Bancorp Inc Financials

CTBI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Community Tr Bancorp Inc (CTBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 71/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Community Tr Bancorp Inc's revenue grew 10.3% year-over-year to $345.7M, a solid pace of expansion. This earns a growth score of 50/100.

Leverage

100

Community Tr Bancorp Inc carries a low D/E ratio of 0.07, meaning only $0.07 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Community Tr Bancorp Inc converts 28.2% of revenue into free cash flow ($97.4M). This strong cash generation earns a score of 95/100.

Returns

Community Tr Bancorp Inc's ROE of 11.5% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 10.9% the prior year.

Piotroski F-Score Neutral

6/9

Community Tr Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, Community Tr Bancorp Inc generates $1.07 in operating cash flow ($105.0M OCF vs $98.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$345.7M

YoY+10.3%

5Y CAGR+14.4%

10Y CAGR+9.2%

Community Tr Bancorp Inc generated $345.7M in revenue in fiscal year 2025. This represents an increase of 10.3% from the prior year.

EBITDA

N/A

Net Income

$98.1M

YoY+18.4%

5Y CAGR+10.5%

10Y CAGR+7.8%

Community Tr Bancorp Inc reported $98.1M in net income in fiscal year 2025. This represents an increase of 18.4% from the prior year.

EPS (Diluted)

$5.43

YoY+17.8%

5Y CAGR+10.1%

10Y CAGR+7.4%

Community Tr Bancorp Inc earned $5.43 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$97.4M

YoY+0.1%

5Y CAGR+9.8%

10Y CAGR+6.3%

Community Tr Bancorp Inc generated $97.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 0.1% from the prior year.

Cash & Debt

$363.7M

YoY-1.6%

5Y CAGR+1.5%

10Y CAGR+6.8%

Community Tr Bancorp Inc held $363.7M in cash against $63.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.00

YoY+7.5%

5Y CAGR+5.5%

10Y CAGR+5.1%

Community Tr Bancorp Inc paid $2.00 per share in dividends in fiscal year 2025. This represents an increase of 7.5% from the prior year.

Shares Outstanding

18M

YoY+0.3%

5Y CAGR+0.4%

10Y CAGR+0.3%

Community Tr Bancorp Inc had 18M shares outstanding in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.4%

YoY+1.9pp

5Y CAGR-5.4pp

10Y CAGR-3.9pp

Community Tr Bancorp Inc's net profit margin was 28.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.

Return on Equity

11.5%

YoY+0.5pp

5Y CAGR+2.4pp

10Y CAGR+1.7pp

Community Tr Bancorp Inc's ROE was 11.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$7.6M

YoY-5.9%

5Y CAGR+38.7%

10Y CAGR+13.0%

Community Tr Bancorp Inc invested $7.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 5.9% from the prior year.

CTBI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$345.7M+10.3%	$313.4M+16.7%	$268.6M+35.9%	$197.7M+11.0%	$178.2M+1.0%	$176.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$126.7M-0.6%	$127.4M+33.4%	$95.5M+233.6%	$28.6M+89.8%	$15.1M-40.7%	$25.4M
Income Tax	$29.0M+21.6%	$23.9M+16.1%	$20.6M+6.9%	$19.2M-15.3%	$22.7M+111.0%	$10.8M
Net Income	$98.1M+18.4%	$82.8M+6.2%	$78.0M-4.7%	$81.8M-7.0%	$87.9M+47.8%	$59.5M
EPS (Diluted)	$5.43+17.8%	$4.61+5.7%	$4.36-4.8%	$4.58-7.3%	$4.94+47.5%	$3.35

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$89.5M+1.1%	$88.6M+3.5%	$85.6M+4.3%	$82.1M+0.1%	$82.0M+2.7%	$79.8M+4.1%	$76.6M+2.2%	$75.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$31.4M-4.8%	$33.0M+4.7%	$31.5M+2.4%	$30.8M-5.1%	$32.5M-0.5%	$32.6M+5.3%	$31.0M-1.4%	$31.4M
Income Tax	$8.1M+15.8%	$7.0M-7.6%	$7.6M+17.8%	$6.4M-6.2%	$6.8M+27.3%	$5.4M-17.3%	$6.5M+25.6%	$5.2M
Net Income	$27.3M+14.1%	$23.9M-4.0%	$24.9M+13.3%	$22.0M-2.3%	$22.5M+1.6%	$22.1M+13.6%	$19.5M+4.4%	$18.7M
EPS (Diluted)	N/A	$1.32-4.3%	$1.38+13.1%	$1.22	N/A	$1.23+12.8%	$1.09+4.8%	$1.04

CTBI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.7B+7.9%	$6.2B+7.3%	$5.8B+7.2%	$5.4B-0.7%	$5.4B+5.4%	$5.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$363.7M-1.6%	$369.5M+36.1%	$271.4M+110.9%	$128.7M-58.7%	$311.8M-7.8%	$338.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M
Total Liabilities	$5.8B+7.2%	$5.4B+7.3%	$5.1B+6.6%	$4.8B+0.7%	$4.7B+5.3%	$4.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$63.8M-0.4%	$64.0M-0.4%	$64.2M+11.1%	$57.8M	N/A	N/A
Total Equity	$856.1M+13.0%	$757.6M+7.9%	$702.2M+11.8%	$628.0M-10.0%	$698.2M+6.6%	$654.9M
Retained Earnings	$593.9M+11.7%	$531.9M+9.8%	$484.4M+10.4%	$438.6M+13.4%	$386.8M+18.4%	$326.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.7B+0.7%	$6.6B+3.9%	$6.4B+1.8%	$6.3B+1.3%	$6.2B+3.9%	$6.0B+2.7%	$5.8B-0.8%	$5.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$363.7M-28.4%	$507.6M+28.4%	$395.3M+16.0%	$340.7M-7.8%	$369.5M+53.4%	$240.9M+49.0%	$161.7M-44.9%	$293.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M0.0%	$65.5M
Total Liabilities	$5.8B+0.4%	$5.8B+4.0%	$5.6B+1.7%	$5.5B+1.0%	$5.4B+4.5%	$5.2B+2.3%	$5.1B-1.1%	$5.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$63.8M	N/A	N/A	N/A	$64.0M	N/A	N/A	N/A
Total Equity	$856.1M+3.0%	$831.4M+3.0%	$806.9M+2.9%	$784.2M+3.5%	$757.6M-0.4%	$760.8M+5.8%	$719.3M+1.6%	$707.7M
Retained Earnings	$593.9M+3.1%	$576.2M+2.6%	$561.8M+3.0%	$545.4M+2.5%	$531.9M+2.7%	$517.8M+2.7%	$504.1M+2.3%	$492.9M

CTBI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$105.0M-0.3%	$105.3M+22.7%	$85.8M-13.9%	$99.7M-13.8%	$115.7M+85.5%	$62.4M
Capital Expenditures	$7.6M-5.9%	$8.1M+27.8%	$6.3M+1.7%	$6.2M+162.0%	$2.4M+60.1%	$1.5M
Free Cash Flow	$97.4M+0.1%	$97.2M+22.3%	$79.5M-14.9%	$93.5M-17.5%	$113.3M+86.1%	$60.9M
Investing Cash Flow	-$463.2M-38.0%	-$335.7M-48.1%	-$226.6M+19.1%	-$280.0M+21.9%	-$358.6M+48.3%	-$693.5M
Financing Cash Flow	$352.4M+7.3%	$328.5M+15.9%	$283.5M+10419.0%	-$2.7M-101.3%	$216.4M-69.3%	$704.7M
Dividends Paid	$36.0M+7.7%	$33.4M+3.8%	$32.2M+7.5%	$29.9M+7.2%	$27.9M+2.9%	$27.1M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$1.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$14.9M-60.2%	$37.5M+135.6%	$15.9M-56.5%	$36.6M+63.0%	$22.4M-38.9%	$36.7M+83.9%	$20.0M-23.7%	$26.2M
Capital Expenditures	$2.0M+66.5%	$1.2M-49.7%	$2.4M+13.6%	$2.1M-31.5%	$3.0M+126.6%	$1.3M-12.1%	$1.5M-30.1%	$2.2M
Free Cash Flow	$13.0M-64.3%	$36.4M+167.9%	$13.6M-60.7%	$34.5M+77.8%	$19.4M-45.2%	$35.4M+91.8%	$18.4M-23.1%	$24.0M
Investing Cash Flow	-$177.1M-38.2%	-$128.1M-139.8%	-$53.4M+49.0%	-$104.6M+15.9%	-$124.4M-107.2%	-$60.0M+30.2%	-$86.0M-31.7%	-$65.3M
Financing Cash Flow	$18.2M-91.0%	$202.9M+120.3%	$92.1M+134.9%	$39.2M-83.0%	$230.5M+124.7%	$102.6M+256.3%	-$65.6M-207.6%	$61.0M
Dividends Paid	$9.5M+0.1%	$9.5M+12.5%	$8.5M0.0%	$8.5M+0.2%	$8.4M0.0%	$8.4M+2.3%	$8.3M0.0%	$8.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CTBI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.4%+1.9pp	26.4%-2.6pp	29.0%-12.3pp	41.4%-8.0pp	49.4%+15.6pp	33.7%
Return on Equity	11.5%+0.5pp	10.9%-0.2pp	11.1%-1.9pp	13.0%+0.4pp	12.6%+3.5pp	9.1%
Return on Assets	1.5%+0.1pp	1.3%0.0pp	1.4%-0.2pp	1.5%-0.1pp	1.6%+0.5pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.07-0.0	0.080.0	0.090.0	0.09-6.7	6.76-0.1	6.85
FCF Margin	28.2%-2.9pp	31.0%+1.4pp	29.6%-17.7pp	47.3%-16.3pp	63.6%+29.1pp	34.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.5%+3.5pp	27.0%-2.1pp	29.1%+2.3pp	26.8%-0.7pp	27.4%-0.3pp	27.7%+2.3pp	25.4%+0.5pp	24.9%
Return on Equity	3.2%+0.3pp	2.9%-0.2pp	3.1%+0.3pp	2.8%-0.2pp	3.0%+0.1pp	2.9%+0.2pp	2.7%+0.1pp	2.6%
Return on Assets	0.4%+0.1pp	0.4%-0.0pp	0.4%+0.0pp	0.4%0.0pp	0.4%-0.0pp	0.4%+0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.07-6.9	6.98+0.1	6.92-0.1	7.00+6.9	0.08-6.8	6.84-0.2	7.07-0.2	7.27
FCF Margin	14.5%-26.6pp	41.0%+25.2pp	15.9%-26.2pp	42.0%+18.4pp	23.7%-20.7pp	44.3%+20.3pp	24.1%-7.9pp	32.0%

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Frequently Asked Questions

What is Community Tr Bancorp Inc's annual revenue?

Community Tr Bancorp Inc (CTBI) reported $345.7M in total revenue for fiscal year 2025. This represents a 10.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Community Tr Bancorp Inc's revenue growing?

Community Tr Bancorp Inc (CTBI) revenue grew by 10.3% year-over-year, from $313.4M to $345.7M in fiscal year 2025.

Is Community Tr Bancorp Inc profitable?

Yes, Community Tr Bancorp Inc (CTBI) reported a net income of $98.1M in fiscal year 2025, with a net profit margin of 28.4%.

How much debt does Community Tr Bancorp Inc have?

As of fiscal year 2025, Community Tr Bancorp Inc (CTBI) had $363.7M in cash and equivalents against $63.8M in long-term debt.

What is Community Tr Bancorp Inc's net profit margin?

Community Tr Bancorp Inc (CTBI) had a net profit margin of 28.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Community Tr Bancorp Inc pay dividends?

Yes, Community Tr Bancorp Inc (CTBI) paid $2.00 per share in dividends during fiscal year 2025.

What is Community Tr Bancorp Inc's return on equity (ROE)?

Community Tr Bancorp Inc (CTBI) has a return on equity of 11.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Community Tr Bancorp Inc's free cash flow?

Community Tr Bancorp Inc (CTBI) generated $97.4M in free cash flow during fiscal year 2025. This represents a 0.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Community Tr Bancorp Inc's operating cash flow?

Community Tr Bancorp Inc (CTBI) generated $105.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Community Tr Bancorp Inc's total assets?

Community Tr Bancorp Inc (CTBI) had $6.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Community Tr Bancorp Inc's capital expenditures?

Community Tr Bancorp Inc (CTBI) invested $7.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Community Tr Bancorp Inc have outstanding?

Community Tr Bancorp Inc (CTBI) had 18M shares outstanding as of fiscal year 2025.

What is Community Tr Bancorp Inc's debt-to-equity ratio?

Community Tr Bancorp Inc (CTBI) had a debt-to-equity ratio of 0.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Community Tr Bancorp Inc's return on assets (ROA)?

Community Tr Bancorp Inc (CTBI) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Community Tr Bancorp Inc's Piotroski F-Score?

Community Tr Bancorp Inc (CTBI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Community Tr Bancorp Inc's earnings high quality?

Community Tr Bancorp Inc (CTBI) has an earnings quality ratio of 1.07x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Community Tr Bancorp Inc?

Community Tr Bancorp Inc (CTBI) scores 71 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.