Community Trust Bancorp Inc /Ky/
CTBI Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$70.50
KIRA · Stoqly’s AI analyst, in plain words
- Community Trust Bancorp Inc /Ky/ had $283M of revenue in fiscal 2025, up 13.7% on the year before. Over five years, revenue changed +6.6% a year on average.
- Community Trust Bancorp Inc /Ky/ made $98.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.1% a year.
- Community Trust Bancorp Inc /Ky/ returned $36.0M to shareholders in fiscal 2025, 37% of free cash flow. The diluted share count rose 0.4%.
- It earned 12.2% on shareholders’ money. Running costs took 50.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.3B
P/E
11.8x
Revenue
$283M
Net income
$98.1M
Return on equity
12.2%
Efficiency ratio
50.6%
Community Trust Bancorp Inc /Ky/ in 30 seconds · fiscal 2025
Are sales growing?
+13.7%
Yes. Sales grew 13.7% last year.
Does it make a profit?
34.7%
Yes. It keeps 34.7% of every sale as profit.
How lean are its costs?
50.6%
Lean. Running costs take 50.6% of revenue.
How much does it earn on its capital?
12.2%
Good. It earns 12.2% a year on shareholders’ money.
How is the share priced?
11.8x
One share costs 11.8 times its yearly profit per share.
What Community Trust Bancorp Inc /Ky/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- COMMUNITY TRUST BANCORP INC /KY/
- CIK
- 0000350852
Community Trust Bancorp Inc /Ky/ · CTBI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $224M | $227M | $231M | $249M | $283M |
| Revenue growth | 8.8% | 1.6% | 1.7% | 7.7% | 13.7% |
| Net interest income | $163M | $169M | $173M | $186M | $219M |
| Net income | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M |
| Net margin | 39.3% | 36.0% | 33.8% | 33.3% | 34.7% |
| Diluted EPS | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
| Cash | |||||
| Cash from operations | $116M | $99.7M | $85.9M | $105M | $105M |
| Capital expenditure | $2.4M | $6.2M | $6.3M | $8.1M | $7.6M |
| Free cash flow | $113M | $93.5M | $79.5M | $97.2M | $97.4M |
| FCF margin | 50.7% | 41.2% | 34.5% | 39.1% | 34.5% |
| Dividends paid | $27.9M | $29.9M | $32.2M | $33.4M | $36.0M |
| Share buybacks | $0.0M | $0.0M | — | — | — |
| Share count change | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $312M | $129M | $271M | $370M | $364M |
| Debt incl. finance leases | $273M | $277M | $293M | $308M | $378M |
| Deposits | $4.3B | $4.4B | $4.7B | $5.1B | $5.4B |
| Shareholders' equity | $698M | $628M | $702M | $758M | $856M |
| Returns and quality | |||||
| Return on equity | 13.0% | 12.3% | 11.7% | 11.3% | 12.2% |
| Return on tangible equity | 13.9% | 14.5% | 12.3% | 12.0% | 12.4% |
| Efficiency ratio | 53.4% | 53.3% | 54.3% | 52.7% | 50.6% |
| Piotroski F-score | 6 | 4 | 4 | 5 | 5 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.3M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Community Trust Bancorp Inc /Ky/ · CTBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $70.50 a share, the company is worth $1.3B: 11.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000350852). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.