Community Tr Bancorp Inc Financials
Community Tr Bancorp Inc (CTBI) reported $345.7M in revenue for fiscal year 2025, up 10.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Balance-sheet expansion with steady asset returns is the clearest operating mechanic, while capital keeps compounding internally faster than borrowing.
Assets expanded from$5.77B in FY2023 to$6.68B in FY2025. Because return on assets stayed in roughly the same low-1% range, the earnings lift looks driven more by putting a larger balance sheet to work than by a major improvement in profit extracted from each asset dollar.
The balance sheet looks heavily funded, but corporate borrowing is modest: long-term debt was only
FY2025 net income of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Community Tr Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Community Tr Bancorp Inc, and counted as zero in the overall score.
Community Tr Bancorp Inc passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Community Tr Bancorp Inc generated $345.7M in revenue in fiscal year 2025. This represents an increase of 10.3% from the prior year.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Community Tr Bancorp Inc held $363.7M in cash against $63.8M in long-term debt as of fiscal year 2025.
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.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
CTBI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $357.1M | $345.7M+10.3% | $313.4M+16.7% | $268.6M+35.9% | $197.7M+11.0% | $178.2M+1.0% | $176.4M-4.8% | $185.4M+8.1% | $171.4M+10.1% | $155.7M+6.2% | $146.6M+1.8% | $144.0M+0.1% | $143.9M-2.9% | $148.1M-3.6% | $153.7M-3.0% | $158.5M |
| SG&A Expenses | $147.1M | $143.1M+9.3% | $130.9M+4.4% | $125.4M+3.6% | $121.1M+1.5% | $119.3M0.0% | $119.2M+0.8% | $118.3M+0.7% | $117.4M+6.8% | $109.9M+2.6% | $107.1M+1.6% | $105.4M-0.5% | $106.0M-3.9% | $110.3M+6.5% | $103.6M-2.7% | $106.4M |
| Interest Expense | $123.7M | $126.7M-0.6% | $127.4M+33.4% | $95.5M+233.6% | $28.6M+89.8% | $15.1M-40.7% | $25.4M-37.2% | $40.5M+38.3% | $29.3M+60.1% | $18.3M+35.0% | $13.6M+15.1% | $11.8M-0.2% | $11.8M-12.2% | $13.4M-37.7% | $21.6M-20.1% | $27.0M |
| Income Tax | $31.9M | $29.0M+21.6% | $23.9M+16.1% | $20.6M+6.9% | $19.2M-15.3% | $22.7M+111.0% | $10.8M+44.4% | $7.5M-34.1% | $11.3M-33.5% | $17.0M-11.0% | $19.1M+3.2% | $18.5M-3.2% | $19.1M-4.3% | $20.0M-1.1% | $20.2M+20.3% | $16.8M |
| Net Income | $108.0M | $98.1M+18.4% | $82.8M+6.2% | $78.0M-4.7% | $81.8M-7.0% | $87.9M+47.8% | $59.5M-7.8% | $64.5M+9.0% | $59.2M+15.0% | $51.5M+8.8% | $47.3M+2.0% | $46.4M+7.4% | $43.3M-4.3% | $45.2M+0.7% | $44.9M+15.5% | $38.8M |
| EPS (Diluted) | — | $5.43+17.8% | $4.61+5.7% | $4.36-4.8% | $4.58-7.3% | $4.94+47.5% | $3.35-8.0% | $3.64+8.7% | $3.35+14.7% | $2.92+8.1% | $2.70+1.5% | $2.66+6.8% | $2.49-5.0% | $2.62-0.4% | $2.63+4.0% | $2.53 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CTBI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.7B+7.9% | $6.2B+7.3% | $5.8B+7.2% | $5.4B-0.7% | $5.4B+5.4% | $5.1B+17.7% | $4.4B+3.9% | $4.2B+1.6% | $4.1B+5.2% | $3.9B+0.7% | $3.9B+4.8% | $3.7B+4.0% | $3.6B-1.5% | $3.6B+1.2% | $3.6B |
| Cash & Equivalents | $363.7M-1.6% | $369.5M+36.1% | $271.4M+110.9% | $128.7M-58.7% | $311.8M-7.8% | $338.2M+27.8% | $264.7M+87.1% | $141.4M-19.3% | $175.3M+21.1% | $144.7M-22.9% | $187.6M+77.8% | $105.5M-1.1% | $106.6M-48.6% | $207.6M-13.0% | $238.5M |
| Goodwill | $65.5M0.0% | $65.5M0.0% | $65.5M0.0% | $65.5M0.0% | $65.5M0.0% | $65.5M0.0% | $65.5M0.0% | $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+7.2% | $5.4B+7.3% | $5.1B+6.6% | $4.8B+0.7% | $4.7B+5.3% | $4.5B+19.5% | $3.8B+3.1% | $3.6B+0.9% | $3.6B+5.1% | $3.4B+0.1% | $3.4B+4.7% | $3.3B+3.4% | $3.2B-2.0% | $3.2B+0.3% | $3.2B |
| Long-Term Debt | $63.8M-0.4% | $64.0M-0.4% | $64.2M+11.1% | $57.8M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $61.3M0.0% | $61.3M0.0% | $61.3M |
| Total Equity | $856.1M+13.0% | $757.6M+7.9% | $702.2M+11.8% | $628.0M-10.0% | $698.2M+6.6% | $654.9M+6.5% | $614.9M+9.0% | $564.1M+6.3% | $530.7M+6.0% | $500.6M+5.3% | $475.6M+6.2% | $447.9M+8.6% | $412.5M+3.0% | $400.3M+9.1% | $366.9M |
| Retained Earnings | $593.9M+11.7% | $531.9M+9.8% | $484.4M+10.4% | $438.6M+13.4% | $386.8M+18.4% | $326.7M+10.1% | $296.8M+14.6% | $258.9M+15.5% | $224.3M+15.0% | $195.1M+14.8% | $169.9M+17.4% | $144.7M-17.0% | $174.3M+17.0% | $148.9M+20.7% | $123.4M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
CTBI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $136.0M | $105.0M-0.3% | $105.3M+22.7% | $85.8M-13.9% | $99.7M-13.8% | $115.7M+85.5% | $62.4M-25.3% | $83.5M+27.4% | $65.5M+5.0% | $62.4M+1.5% | $61.4M+11.7% | $55.0M-4.4% | $57.5M-36.6% | $90.7M+56.7% | $57.9M-10.0% | $64.3M |
| Capital Expenditures | $5.7M | $7.6M-5.9% | $8.1M+27.8% | $6.3M+1.7% | $6.2M+162.0% | $2.4M+60.1% | $1.5M-42.3% | $2.6M-9.3% | $2.8M+18.0% | $2.4M-31.4% | $3.5M+55.7% | $2.2M+7.9% | $2.1M-1.1% | $2.1M-51.1% | $4.3M+38.0% | $3.1M |
| Free Cash Flow | $130.3M | $97.4M+0.1% | $97.2M+22.3% | $79.5M-14.9% | $93.5M-17.5% | $113.3M+86.1% | $60.9M-24.7% | $80.9M+29.1% | $62.7M+4.5% | $60.0M+3.5% | $57.9M+9.8% | $52.7M-4.9% | $55.4M-37.4% | $88.6M+65.3% | $53.6M-12.4% | $61.2M |
| Investing Cash Flow | -$476.5M | -$463.2M-38.0% | -$335.7M-48.1% | -$226.6M+19.1% | -$280.0M+21.9% | -$358.6M+48.3% | -$693.5M-1910.7% | -$34.5M+65.7% | -$100.6M+46.1% | -$186.6M-116.7% | -$86.1M+20.5% | -$108.3M | N/A | -$122.0M-72.0% | -$71.0M+58.8% | -$172.3M |
| Financing Cash Flow | $459.5M | $352.4M+7.3% | $328.5M+15.9% | $283.5M+10419.0% | -$2.7M-101.3% | $216.4M-69.3% | $704.7M+848.9% | $74.3M+5706.6% | $1.3M-99.2% | $154.8M+949.9% | -$18.2M-113.4% | $135.5M | N/A | -$69.6M-289.8% | -$17.9M-109.5% | $187.5M |
| Dividends Paid | $38.2M | $36.0M+7.7% | $33.4M+3.8% | $32.2M+7.5% | $29.9M+7.2% | $27.9M+2.9% | $27.1M+3.5% | $26.2M+7.5% | $24.4M+6.2% | $23.0M+3.6% | $22.2M+4.0% | $21.3M+3.7% | $20.6M-16.2% | $24.5M+27.7% | $19.2M+2.5% | $18.7M |
| Share Buybacks | N/A | N/A | N/A | N/A | $0 | $0-100.0% | $1.1M | $0 | $0 | $0-100.0% | $382K+102.1% | $189K | $0 | $0 | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CTBI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.4%+1.9pp | 26.4%-2.6pp | 29.0%-12.3pp | 41.4%-8.0pp | 49.4%+15.6pp | 33.7%-1.1pp | 34.8%+0.3pp | 34.5%+1.5pp | 33.1%+0.8pp | 32.3%+0.1pp | 32.2%+2.2pp | 30.1%-0.4pp | 30.5%+1.3pp | 29.2%+4.7pp | 24.5% |
| 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%-1.4pp | 10.5%0.0pp | 10.5%+0.8pp | 9.7%+0.2pp | 9.5%-0.3pp | 9.8%+0.1pp | 9.7%-1.3pp | 10.9%-0.3pp | 11.2%+0.6pp | 10.6% |
| 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%-0.3pp | 1.5%+0.1pp | 1.4%+0.2pp | 1.2%0.0pp | 1.2%0.0pp | 1.2%0.0pp | 1.2%-0.1pp | 1.3%0.0pp | 1.2%+0.1pp | 1.1% |
| Debt-to-Equity | 0.070.0x | 0.080.0x | 0.090.0x | 0.09-6.7x | 6.76-0.1x | 6.85+0.7x | 6.10-0.3x | 6.45-0.3x | 6.79-0.1x | 6.85-0.4x | 7.21-0.1x | 7.31+7.2x | 0.150.0x | 0.150.0x | 0.17 |
| FCF Margin | 28.2%-2.9pp | 31.0%+1.4pp | 29.6%-17.7pp | 47.3%-16.3pp | 63.6%+29.1pp | 34.5%-9.1pp | 43.6%+7.1pp | 36.5%-2.0pp | 38.5%-1.0pp | 39.5%+2.9pp | 36.6%-1.9pp | 38.5%-21.3pp | 59.8%+25.0pp | 34.9%-3.8pp | 38.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Where Community Tr Bancorp Inc Ranks
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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.