Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	108	98.06	82.81	78	81.81	87.94
Depreciation & Amortization	5.53	5.75	5	5.35	5.22	5.03
Gain (Loss) on Sale of Assets	-0.46	-0.57	0	-0.2	-0.07	0.7
Gain (Loss) on Sale of Investments	2.25	2.17	1.93	1.66	5.63	8.17
Provision for Credit Losses	11.86	12.44	10.95	6.81	4.91	-6.39
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.53	0.17	0.14	0.19	4.05	27.45
Accrued Interest Receivable	-1.37	-1.2	-1.18	-3.98	-4.18	0.4
Change in Other Net Operating Assets	13.34	-6.75	9.95	-6.19	3.12	2.53
Other Operating Activities	-6.42	-6.68	-6.33	-2.13	-1.87	-3.94
Operating Cash Flow	136.05	104.99	105.33	85.85	99.68	115.7
Operating Cash Flow Growth	21.82%	-0.32%	22.69%	-13.88%	-13.84%	85.47%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-5.74	-7.6	-8.08	-6.32	-6.22	-2.37
Sale of Property, Plant and Equipment	1.11	1.11	0.07	0.38	0.62	0.83
Investment in Securities	-42.88	-22.83	112.04	126.71	25.68	-491
Net Decrease (Increase) in Loans Originated / Sold - Investing	-430.81	-417.64	-444.06	-344.22	-302.47	146.05
Other Investing Activities	1.82	-16.26	4.36	-3.14	2.38	-12.12
Investing Cash Flow	-476.5	-463.22	-335.67	-226.6	-280.01	-358.62

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	68.63	14.92	9.81	-	-
Long-Term Debt Issued	-	100	100	231.56	45	-
Total Debt Issued	68.63	168.63	114.92	241.38	45	-
Short-Term Debt Repaid	-	-	-	-	-55.66	-84.77
Long-Term Debt Repaid	-	-100.44	-100.4	-225.34	-45.04	-0.04
Total Debt Repaid	2.91	-100.44	-100.4	-225.34	-100.7	-84.81
Net Debt Issued (Repaid)	71.54	68.2	14.52	16.04	-55.7	-84.81
Issuance of Common Stock	1.42	1.32	1.77	1.13	1.04	0.97
Common Dividends Paid	-38.21	-35.98	-33.41	-32.19	-29.94	-27.92
Net Increase (Decrease) in Deposit Accounts	424.76	318.87	345.57	298.48	81.85	328.21
Financing Cash Flow	459.51	352.41	328.45	283.46	-2.75	216.45

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	119.06	-5.82	98.11	142.71	-183.07	-26.48

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	130.31	97.39	97.25	79.53	93.47	113.32
Free Cash Flow Growth	26.67%	0.14%	22.28%	-14.91%	-17.52%	86.09%
Free Cash Flow Margin	45.40%	36.05%	40.93%	35.51%	42.08%	50.02%
Free Cash Flow Per Share	7.21	5.40	5.41	4.44	5.24	6.37

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	122.46	126.58	126.46	90.39	27.42	15.32
Cash Income Tax Paid	30.16	28.51	20.61	20.73	16.29	19.49

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 5, 2026

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