Community Trust Bancorp, Inc. (CTBI)
NASDAQ: CTBI · Real-Time Price · USD
78.48
-0.39 (-0.49%)
Aug 17, 2026, 4:00 PM EDT - Market closed

Community Trust Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
287.05270.16237.61223.96222.11226.58
Revenue Growth
13.08%13.70%6.09%0.83%-1.97%21.98%
Net Income
10898.0682.817881.8187.94
Earnings Per Share
5.975.434.614.364.584.94
EPS Growth
17.53%17.79%5.73%-4.80%-7.29%47.46%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Holding Company
112.07102.1685.3380.8484.91-
Eliminations
-117.17-107.37-90.46-85.77-87.85-
Community Banking Services
292.15275.37242.74228.9225.05226.58
Total
287.05270.16237.61223.96222.11226.58

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
80.1975.8380.3564.0556.3349.6
Total Debt
377.54389.79320.19306.71291.76342.81
Net Cash (Debt)
-297.35-313.96-239.84-242.67-235.42-293.21
Net Cash Growth
------
Net Cash Per Share
-16.45-17.40-13.34-13.56-13.19-16.47

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
136.05104.99105.3385.8599.68115.7
Capital Expenditures
-5.74-7.6-8.08-6.32-6.22-2.37
Free Cash Flow
130.3197.3997.2579.5393.47113.32
Free Cash Flow Growth
26.67%0.14%22.28%-14.91%-17.52%86.09%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
37.63%36.30%34.85%34.83%36.83%38.81%
FCF Margin
45.40%36.05%40.93%35.51%42.08%50.02%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.6002.0001.8602.0001.6801.570
Dividend Per Share Growth
18.56%7.53%-7.00%19.05%7.01%2.61%
Dividend Yield
3.30%3.60%3.70%5.01%4.21%4.31%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.1510.4411.5610.1210.068.85
Forward PE
12.2510.1311.0310.809.7711.46
P/FCF Ratio
10.9410.519.859.938.816.87
PS Ratio
4.973.794.033.533.713.43