Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	218.98	186	173.11	169.1	163.08
Net Interest Income Growth	17.73%	7.44%	2.37%	3.69%	8.01%
Non-Interest Income	63.62	62.57	57.66	57.92	60.46
Non-Interest Income Growth	1.68%	8.51%	-0.44%	-4.21%	10.82%
Revenues Before Loan Losses	282.6	248.56	230.77	227.02	223.54
Provision for Credit Losses	12.44	10.95	6.81	4.91	-6.39
Revenue	270.16	237.61	223.96	222.11	229.93
Revenue Growth (YoY)	13.70%	6.09%	0.83%	-3.40%	21.33%
Compensation Expenses	85.48	79.43	73.71	72.49	74.11
Selling, General & Admin	33.34	30.38	28.13	26.43	25.02
Other Non-Interest Expenses	24.25	21.12	23.55	22.15	20.15
Total Non-Interest Expense	143.07	130.92	125.39	121.07	119.29
Pretax Income	127.09	106.69	98.57	101.04	110.64
Provision for Income Taxes	29.03	23.87	20.56	19.23	22.7
Net Income	98.06	82.81	78	81.81	87.94
Net Income to Common	98.06	82.81	78	81.81	87.94
Net Income Growth	18.41%	6.17%	-4.66%	-6.97%	47.79%
Shares Outstanding (Basic)	18	18	18	18	18
Shares Outstanding (Diluted)	18	18	18	18	18
Shares Change (YoY)	0.37%	0.43%	0.27%	0.26%	0.27%
EPS (Basic)	5.44	4.61	4.36	4.59	4.94
EPS (Diluted)	5.43	4.61	4.36	4.59	4.94
EPS Growth	17.79%	5.73%	-5.01%	-7.08%	47.46%
Free Cash Flow	97.39	97.25	79.53	93.47	113.32
Free Cash Flow Growth	0.14%	22.28%	-14.91%	-17.52%	86.09%
Free Cash Flow Per Share	5.40	5.41	4.44	5.24	6.36
Dividends Per Share	2.000	1.860	2.000	1.680	1.570
Dividend Growth	7.53%	-7.00%	19.05%	7.01%	2.61%
Profit Margin	36.30%	34.85%	34.83%	36.83%	38.25%
FCF Margin	36.05%	40.93%	35.51%	42.08%	49.29%
EBITDA	5.75	5	5.35	5.22	5.03
EBITDA Margin	2.13%	2.11%	2.39%	2.35%	2.19%
Effective Tax Rate	22.84%	22.38%	20.86%	19.03%	20.52%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q