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

Community Trust 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 Trust Bancorp Inc (CTBI) Financials

CTBI

Trailing 12 months to June 30, 2026

Revenue $298.9M +12.9% YoY

Net Income $108.0M +18.0% YoY

EPS (Diluted) $5.97 +17.5% YoY

Free Cash Flow $130.3M +26.7% YoY

Market Cap $1.4B as of Oct 3, 2026

Price / Sales 4.6x on $298.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.8x on $108.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $891.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CTBI SEC filings page.

Community Trust Bancorp Inc (CTBI) reported $298.9M in revenue over the twelve months to Jun 30, 2026, up 12.9% from the prior twelve months. 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).

Rhea AI CTBI FY2025 2026-10-04

The bank is growing earnings and equity faster than assets, but cash generation has not kept pace with reported profit improvement.

From FY2024 to FY2025, net income rose 18.4% while operating cash flow stayed near $105M; the earnings lift did not produce a comparable increase in reported cash generation. Free cash flow remained near its prior level even as revenue expanded, reinforcing that the improvement was more visible in accounting earnings than in cash output.

Equity rose from $758M in FY2024 to $856M, a faster increase than the balance sheet's liabilities. That shift leaves a larger reported capital cushion relative to obligations, although liabilities still fund most assets. Because annual revenue is small relative to total assets, capital strength is more informative here than conventional operating-margin analysis.

Return on assets improved from 1.3% to 1.5% as the balance sheet expanded, indicating better earnings output per dollar of assets. The improvement is measured rather than dramatic, suggesting that added scale produced only a modest improvement in asset efficiency.

Financial Health Signals

Financial Health Score 65/100

Scored as: Banks peer group

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 Trust 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.

Earnings

Community Trust Bancorp Inc earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and Community Trust Bancorp Inc scores 84/100 among other banks.

Growth

Community Trust Bancorp Inc reported revenue of $282.6M in fiscal year 2025, against $248.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Community Trust Bancorp Inc scores 62/100 among other banks.

Capital

Community Trust Bancorp Inc funded 12.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $856.1M of equity against $6.7B of assets. Capital ranks banks on that cushion, and Community Trust Bancorp Inc scores 66/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Community Trust Bancorp Inc scores 86/100 on it among other banks.

Credit Quality

Not available for Community Trust Bancorp Inc, and counted as zero in the overall score.

Stability

Community Trust Bancorp Inc reported net income of $98.1M in fiscal year 2025, against $82.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Community Trust Bancorp Inc scores 93/100 among other banks.

Piotroski F-Score Partial

6/7

Community Trust 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.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, Community Trust 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

$78.5M

YoY+11.8%

QoQ+5.8%

5Y CAGR+7.2%

10Y CAGR+5.8%

Community Trust Bancorp Inc generated $78.5M in revenue in Q2 2026. This represents an increase of 11.8% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.

Net Income

$29.6M

YoY+19.0%

QoQ+8.9%

5Y CAGR+4.4%

10Y CAGR+9.9%

Community Trust Bancorp Inc reported $29.6M in net income in Q2 2026. This represents an increase of 19.0% from the same quarter a year earlier. Against the prior quarter it is up 8.9%.

EPS (Diluted)

$1.64

YoY+18.8%

QoQ+9.3%

5Y CAGR+4.1%

10Y CAGR+9.5%

Community Trust Bancorp Inc earned $1.64 per diluted share (EPS) in Q2 2026. This represents an increase of 18.8% from the same quarter a year earlier. Against the prior quarter it is up 9.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$43.1M

YoY+217.4%

QoQ+13.6%

5Y CAGR+2.5%

10Y CAGR+13.3%

Community Trust Bancorp Inc generated $43.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 217.4% from the same quarter a year earlier. Against the prior quarter it is up 13.6%.

Cash & Debt

$514.3M

YoY+30.1%

QoQ+43.4%

5Y CAGR+2.5%

10Y CAGR+14.0%

Community Trust Bancorp Inc held $514.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.53

YoY+12.8%

QoQ0.0%

5Y CAGR+6.6%

10Y CAGR+5.5%

Community Trust Bancorp Inc paid $0.53 per share in dividends in Q2 2026. This represents an increase of 12.8% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

18M

YoY+0.3%

QoQ0.0%

5Y CAGR+0.4%

10Y CAGR+0.3%

Community Trust Bancorp Inc had 18M shares outstanding in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

37.7%

YoY+2.3pp

QoQ+1.1pp

5Y change-5.4pp

10Y change+11.9pp

Community Trust Bancorp Inc's net profit margin was 37.7% in Q2 2026, showing the share of revenue converted to profit. This is up 2.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.

Return on Equity

3.3%

YoY+0.2pp

QoQ+0.2pp

5Y change-0.2pp

10Y change+1.0pp

Community Trust Bancorp Inc's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.0M

YoY-56.7%

QoQ-34.3%

5Y CAGR+37.3%

10Y CAGR+1.7%

Community Trust Bancorp Inc invested $1.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 56.7% from the same quarter a year earlier. Against the prior quarter it is down 34.3%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CTBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CTBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$298.9M	$282.6M+13.7%	$248.6M+7.7%	$230.8M+1.7%	$227.0M+1.6%	$223.5M+8.8%	$205.6M+5.4%	$195.1M+0.5%	$194.1M+4.4%	$185.9M+2.5%	$181.5M+1.3%	$179.1M+1.1%	$177.2M-3.7%	$184.0M+3.3%	$178.1M+1.6%	$175.3M
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 (Basic)	N/A	$5.44+18.0%	$4.61+5.7%	$4.36-5.0%	$4.59-7.1%	$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+6.4%	$2.50-4.9%	$2.63-0.4%	$2.64+3.9%	$2.54
EPS (Diluted)	$5.97	$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
Diluted Shares (Avg)	N/A	18M+0.4%	18M+0.4%	18M+0.3%	18M+0.3%	18M+0.3%	18M+0.1%	18M+0.2%	18M+0.3%	18M+0.5%	18M+0.5%	17M+0.5%	17M+0.9%	17M+1.0%	17M+11.1%	15M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$78.5M+11.8%	$74.2M+12.1%	$74.7M+13.8%	$71.5M+13.9%	$70.2M+14.4%	$66.2M+12.7%	$65.7M+15.9%	$62.8M+7.0%
SG&A Expenses	$37.4M+4.8%	$36.5M+6.8%	$36.5M+7.9%	$36.7M+13.0%	$35.7M+10.0%	$34.2M+6.2%	$33.8M+6.8%	$32.5M+5.4%
Interest Expense	$30.3M-3.7%	$29.0M-5.9%	$31.4M-3.2%	$33.0M+1.2%	$31.5M+1.8%	$30.8M-2.0%	$32.5M+6.9%	$32.6M+23.7%
Income Tax	$8.7M+15.5%	$8.2M+27.1%	$8.1M+18.2%	$7.0M+29.9%	$7.6M+16.4%	$6.4M+24.1%	$6.8M+48.7%	$5.4M+1.6%
Net Income	$29.6M+19.0%	$27.2M+23.8%	$27.3M+21.3%	$23.9M+8.0%	$24.9M+27.7%	$22.0M+17.6%	$22.5M+20.5%	$22.1M+7.3%
EPS (Basic)	$1.64+18.8%	$1.51+23.8%	$1.51+20.8%	$1.33+8.1%	$1.38+26.6%	$1.22+17.3%	$1.25+20.2%	$1.23+7.0%
EPS (Diluted)	$1.64+18.8%	$1.50+23.0%	$1.51+20.8%	$1.32+7.3%	$1.38+26.6%	$1.22+17.3%	$1.25+20.2%	$1.23+7.0%
Diluted Shares (Avg)	18M+0.3%	18M+0.3%	N/A	18M+0.3%	18M+0.4%	18M+0.4%	N/A	18M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CTBI Balance Sheet

CTBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.0B+9.4%	$6.7B+7.4%	$6.7B+7.9%	$6.6B+11.3%	$6.4B+10.1%	$6.3B+7.3%	$6.2B+7.3%	$6.0B+5.8%
Cash & Equivalents	$514.3M+30.1%	$358.7M+5.3%	$363.7M-1.6%	$507.6M+110.7%	$395.3M+144.5%	$340.7M+16.1%	$369.5M+36.1%	$240.9M+9.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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%
Total Liabilities	$6.1B+9.2%	$5.9B+6.9%	$5.8B+7.2%	$5.8B+11.6%	$5.6B+9.8%	$5.5B+6.8%	$5.4B+7.3%	$5.2B+4.4%
Long-Term Debt	N/A	N/A	$63.8M-0.4%	N/A	N/A	N/A	$64.0M-0.4%	N/A
Total Equity	$891.8M+10.5%	$871.2M+11.1%	$856.1M+13.0%	$831.4M+9.3%	$806.9M+12.2%	$784.2M+10.8%	$757.6M+7.9%	$760.8M+16.5%
Retained Earnings	$631.6M+12.4%	$611.5M+12.1%	$593.9M+11.7%	$576.2M+11.3%	$561.8M+11.4%	$545.4M+10.7%	$531.9M+9.8%	$517.8M+9.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CTBI Cash Flow Statement

CTBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$4.0M+8.1%	$3.7M+2.8%	$3.6M+9.1%	$3.3M+3.1%	$3.2M-8.6%	$3.5M-7.9%	$3.8M0.0%	$3.8M-2.6%	$3.9M+5.4%	$3.7M0.0%	$3.7M-9.8%	$4.1M-4.7%	$4.3M+4.9%	$4.1M+2.5%	$4.0M
Stock-Based Compensation	N/A	$1.8M+31.0%	$1.4M-14.1%	$1.6M+15.4%	$1.4M+60.7%	$850K-10.0%	$944K+9.9%	$859K+21.0%	$710K+11.6%	$636K+38.9%	$458K-41.5%	$783K-8.1%	$852K+22.1%	$698K+17.9%	$592K-8.9%	$650K
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$44.1M+176.8%	$39.5M+7.9%	$14.9M-33.4%	$37.5M+2.2%	$15.9M-20.2%	$36.6M+39.7%	$22.4M+11.7%	$36.7M+46.1%
Depreciation & Amortization	$1.1M+7.9%	$1.1M+13.6%	$941K+12.7%	$1.1M+11.2%	$1.0M+5.7%	$957K+3.3%	$835K+292.4%	$968K-34.3%
Stock-Based Compensation	N/A	$503K-7.5%	N/A	N/A	N/A	$544K+58.6%	N/A	N/A
Capital Expenditures	$1.0M-56.7%	$1.6M-25.2%	$2.0M-34.8%	$1.2M-11.3%	$2.4M+54.9%	$2.1M-4.8%	$3.0M+134.3%	$1.3M-54.5%
Free Cash Flow	$43.1M+217.4%	$37.9M+9.9%	$13.0M-33.2%	$36.4M+2.7%	$13.6M-26.4%	$34.5M+43.8%	$19.4M+3.3%	$35.4M+59.4%
Investing Cash Flow	-$101.1M-89.3%	-$70.2M+32.9%	-$177.1M-42.4%	-$128.1M-113.4%	-$53.4M+37.9%	-$104.6M-60.3%	-$124.4M-152.9%	-$60.0M-170.2%
Financing Cash Flow	$212.7M+130.9%	$25.7M-34.4%	$18.2M-92.1%	$202.9M+97.8%	$92.1M+240.3%	$39.2M-35.7%	$230.5M+183.7%	$102.6M-3.9%
Dividends Paid	$9.6M+13.2%	$9.6M+13.1%	$9.5M+12.9%	$9.5M+12.8%	$8.5M+2.5%	$8.5M+2.4%	$8.4M+2.6%	$8.4M+2.7%

Not reported in any period shown, so not listed: Share Buybacks.

CTBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CTBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	34.7%+1.4pp	33.3%-0.5pp	33.8%-2.2pp	36.0%-3.3pp	39.3%+10.4pp	28.9%-4.1pp	33.1%+2.6pp	30.5%+2.8pp	27.7%+1.6pp	26.1%+0.2pp	25.9%+1.5pp	24.4%-0.1pp	24.6%-0.6pp	25.2%+3.0pp	22.1%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	34.5%-4.7pp	39.1%+4.7pp	34.5%-6.7pp	41.2%-9.5pp	50.7%+21.1pp	29.6%-11.8pp	41.5%+9.2pp	32.3%0.0pp	32.3%+0.3pp	31.9%+2.5pp	29.4%-1.9pp	31.3%-16.9pp	48.2%+18.1pp	30.1%-4.8pp	34.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	37.7%+2.3pp	36.6%+3.4pp	36.5%+2.3pp	33.4%-1.8pp	35.5%+3.7pp	33.2%+1.4pp	34.2%+1.3pp	35.3%+0.1pp
Return on Equity	3.3%+0.2pp	3.1%+0.3pp	3.2%+0.2pp	2.9%0.0pp	3.1%+0.4pp	2.8%+0.2pp	3.0%+0.3pp	2.9%-0.3pp
Return on Assets	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp
Debt-to-Equity	6.84-0.1x	6.74-0.3x	0.070.0x	6.98+0.1x	6.92-0.1x	7.00-0.3x	0.080.0x	6.84-0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	54.9%+35.5pp	51.1%-1.0pp	17.3%-12.2pp	50.8%-5.5pp	19.3%-10.7pp	52.1%+11.3pp	29.5%-3.6pp	56.4%+18.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Community Trust Bancorp Inc CTBI	FY2025	$282.6M	$98.1M	34.7%	$1.4B	65/100
Origin Bancorp, Inc. OBK	FY2025	$390.8M	$75.2M	19.2%	$1.7B	46/100
OceanFirst Financial Corp OCFC	FY2025	$404.9M	$67.1M	16.6%	$1.6B	37/100
Tompkins Financial Corporation TMP	FY2025	$446.6M	$161.1M	36.1%	$1.4B	49/100
First Mid Bancshares, Inc. FMBH	FY2025	$349.2M	$91.7M	26.3%	$1.3B	50/100
Peoples Bancorp Inc/OH PEBO	FY2025	$459.3M	$106.8M	23.3%	$1.3B	49/100

Where Community Trust Bancorp Inc Ranks

Frequently Asked Questions

What is Community Trust Bancorp Inc's annual revenue?

Community Trust Bancorp Inc (CTBI) reported $282.6M in total revenue for fiscal year 2025. This represents a 13.7% 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 Trust Bancorp Inc's revenue growing?

Community Trust Bancorp Inc (CTBI) revenue grew by 13.7% year-over-year, from $248.6M to $282.6M in fiscal year 2025.

Is Community Trust Bancorp Inc profitable?

Yes, Community Trust Bancorp Inc (CTBI) reported a net income of $98.1M in fiscal year 2025, with a net profit margin of 34.7%.

How much debt does Community Trust Bancorp Inc have?

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

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

Community Trust Bancorp Inc (CTBI) had a net profit margin of 34.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Community Trust Bancorp Inc pay dividends?

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

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

Community Trust 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 Trust Bancorp Inc's free cash flow?

Community Trust 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 Trust Bancorp Inc's operating cash flow?

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

What are Community Trust Bancorp Inc's total assets?

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

What are Community Trust Bancorp Inc's capital expenditures?

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

How many shares does Community Trust Bancorp Inc have outstanding?

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

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

Community Trust 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 Trust Bancorp Inc's return on assets (ROA)?

Community Trust 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 Trust Bancorp Inc's P/E ratio?

Community Trust Bancorp Inc (CTBI) trades at 12.8x earnings, its market capitalization divided by net income of $108.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Community Trust Bancorp Inc's price-to-sales ratio?

Community Trust Bancorp Inc (CTBI) trades at 4.6x sales, its market capitalization divided by revenue of $298.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Community Trust 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 Trust Bancorp Inc's earnings high quality?

Community Trust 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 Trust Bancorp Inc?

Community Trust Bancorp Inc (CTBI) scores 65 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.