Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	103.28	98.06	82.81	78	81.81	87.94
Depreciation & Amortization	5.84	5.75	5	5.35	5.22	5.03
Provision for Credit Losses	11.18	12.44	10.95	6.81	4.91	-6.39
Stock-Based Compensation	1.73	1.77	1.35	1.58	1.37	0.85
Net Change in Loans Held-for-Sale	-0.2	-0.16	-0.16	-0.21	2.52	20.63
Other Adjustments	-4.84	-5.4	-4.69	-1.06	2.17	-1.9
Changes in Accrued Interest and Accounts Receivable	-1.56	-1.2	-1.18	-3.98	-4.18	0.4
Changes in Accrued Expenses	0.67	0.16	0.99	5.15	1.22	-0.23
Changes in Other Operating Activities	-10.09	-8.32	8.76	-7.75	1.34	0.84
Operating Cash Flow	107.89	104.99	105.33	85.85	99.68	115.7
Operating Cash Flow Growth	-6.77%	-0.32%	22.69%	-13.88%	-13.84%	85.47%
Net Change in Loans Held-for-Investment	-362.44	-417.64	-444.06	-344.22	-302.47	146.05
Net Change in Securities and Investments	-62.95	-22.97	111.69	128.67	27.14	-489.1
Capital Expenditures	-7.08	-7.6	-8.08	-6.32	-6.22	-2.37
Sale of Property, Plant & Equipment	1.09	1.11	0.07	0.38	0.62	0.83
Other Investing Activities	-1.72	-16.12	4.71	-5.11	0.92	-14.03
Investing Cash Flow	-428.8	-463.22	-335.67	-226.6	-280.01	-358.62
Net Change in Deposits	322.92	318.87	345.57	298.48	81.85	328.21
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	52.17	68.63	14.92	9.81	-55.66	-84.77
Long-Term Debt Issued	50	100	100	231.56	45	0
Long-Term Debt Repaid	-100.46	-100.44	-100.4	-225.34	-45.04	-0.04
Net Long-Term Debt Issued (Repaid)	-50.46	-0.44	-0.4	6.23	-0.04	-0.04
Issuance of Common Stock	1.37	1.32	1.77	1.13	1.04	0.97
Net Common Stock Issued (Repurchased)	1.37	1.32	1.77	1.13	1.04	0.97
Common Dividends Paid	-37.09	-35.98	-33.41	-32.19	-29.94	-27.92
Financing Cash Flow	338.91	352.41	328.45	283.46	-2.75	216.45
Net Cash Flow	17.99	-5.82	98.11	142.71	-183.07	-26.48
Free Cash Flow	100.81	97.39	97.25	79.53	93.47	113.32
Free Cash Flow Growth	3.51%	0.14%	22.28%	-14.91%	-17.52%	86.09%
FCF Margin	35.64%	36.05%	40.93%	35.51%	42.08%	49.29%
Free Cash Flow Per Share	5.58	5.40	5.41	4.44	5.24	6.36
Levered Free Cash Flow	40.6	86.41	87.9	76.68	79.16	91.57
Unlevered Free Cash Flow	-12.22	-11.21	5.49	-7.55	-2.61	3.67

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q