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Community Trust Bancorp, Inc.

CTBI Financial Banks Regional

Community Trust Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $409.3 million, up 8.86% from fiscal 2024.

Revenue
+8.64%
EPS
+7.52%
Free cash flow
+217.4%
Total debt
+1.17%

Quarter to September 2026, against a year earlier

69.03 0.32 −0.46%
Market cap
$1.3B
P/E
11.4×
Fwd P/E
11.2×
Dividend yield
2.29%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.00
Sold, $m 0.31
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 0.88%

Capital & Financial Ratios $m

Size
Market Cap 1,260.00
Revenue ttm 431.68
Net income ttm 109.98
Free cash flow ttm 131.42
Net debt Q (331.81)
Valuation
P/E 11.39
Forward P/E 11.20
Price / sales 2.90
Forward P/S Powerpack
Price / FCF 9.53
Price / book 1.43
Financial health
Current ratio Q 0.94
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +8.64% (above 0%: growing)
Operating income growth Q +10.24% (above 0%: growing)
EPS, this year +13.14%
EPS, next year A +5.53%
Revenue, next year A −23.93% (below 0%: weak)
EPS, past 5 yrs +10.14%
EPS, next 5 yrs A +7.36%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 51.38%
10-year low 10-year high
P/S against its own 10 years 37.29%
10-year low 10-year high
P/B against its own 10 years 77.81%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.29%
Annual rate
1.59
Payout ratio
26.2%
Growth, 2017–25
+5.53%/yr
  1. 1.30 ’17
  2. 1.38 ’18 +6
  3. 1.48 ’19 +7
  4. 1.53 ’20 +3
  5. 1.57 ’21 +3
  6. 1.68 ’22 +7
  7. 1.80 ’23 +7
  8. 1.86 ’24 +3
  9. 2.00 ’25 +8
  10. 2.42 ’26e +21
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 272 370 364 332
Receivables — — — —
Inventory — — — —
Other — — — —
4,297 4,826 5,225 —
2023 2024 2025 Q'26
Payables 4,725 5,070 5,389 5,690
ST’ Debt — — — —
Other — — — —
4,958 5,319 5,707 —

Compound Annual Growth %

10y 5y 3y
Sales 7.93% 12.12% 16.99%
Cash Flow 6.68% 10.97% 1.74%
Earnings 7.76% 10.51% 6.22%
Book Value 6.05% 5.50% 10.88%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.65 Actual 1.43

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.43 1.51 Beat by 0.08
Q1 FY26 1.39 1.50 Beat by 0.11
Q2 FY26 1.52 1.64 Beat by 0.12
Q3 FY26 1.65 1.43 Miss by 0.22
Q4 FY26 1.62 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.50 1.64 1.43 — —
’25 1.22 1.38 1.32 1.51 5.43
’24 1.04 1.09 1.23 1.25 4.61
’23 1.08 1.08 1.15 1.04 4.36
’22 1.11 1.14 1.08 1.26 4.58
’21 1.33 1.34 1.19 1.08 4.94
’20 0.37 1.11 0.98 0.89 3.35
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 103 109 114 — —
’25 97 102 105 106 409
’24 90 92 95 98 376
’23 75 80 85 87 326
’22 58 60 66 71 256
’21 60 59 60 59 239
’20 56 58 59 58 231
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 39 44 — — —
’25 37 16 38 15 105
’24 26 20 37 22 105
’23 25 15 25 20 86
’22 27 19 26 27 100
’21 32 38 12 34 116
’20 14 11 18 20 62
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 38 43 — — —
’25 35 14 36 14 99
’24 24 18 35 19 97
’23 24 15 22 19 80
’22 26 18 25 25 94
’21 32 38 11 33 114
’20 13 11 17 19 61
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 195 204 223 236 231 239 256 326 376 409 432 +8.6% 311 326 343 (5.7%)
Gross margin, % 93.05 91.04 86.89 82.80 88.98 93.68 88.80 70.72 66.10 69.04 71.14 (24.0) pt
EBT 66 69 71 72 70 111 101 99 107 127 143 +7.5%
EBT margin, % 34.08 33.55 31.58 30.56 30.42 46.37 39.52 30.21 28.37 31.05 33.15 (3.0) pt
Net income 47 51 59 65 60 88 82 78 83 98 110 +8.4%
Per share, $
Per share, $ Revenue 11.11 11.58 12.63 13.29 13.02 13.42 14.33 18.24 20.95 22.72 23.89 +8.3%
Earnings 2.70 2.92 3.35 3.64 3.35 4.94 4.59 4.36 4.61 5.44 6.09 +8.1%
Cash flow 3.50 3.54 3.70 4.71 3.51 6.50 5.59 4.80 5.87 5.83 0.00 +5.8%
Capex (0.20) (0.13) (0.15) (0.14) (0.08) (0.09) (0.31) (0.33) (0.45) (0.36) 0.00 +6.8%
Free cash flow 3.30 3.40 3.55 4.57 3.43 6.42 5.28 4.47 5.42 5.47 0.00 +5.8%
Book value 28.53 30.10 31.90 34.69 36.90 39.26 35.21 39.26 42.21 47.53 48.55 +5.8%
Shares, m 18 18 18 18 18 18 18 18 18 18 18 +0.3%
Valuation, ×
Valuation, × P/E 18.48 16.39 11.82 12.85 11.06 8.81 10.10 10.09 11.50 10.39 11.39 12.1
P/S 4.47 4.12 3.14 3.51 2.85 3.25 3.24 2.41 2.53 2.49 2.90 3.2
P/B 1.74 1.58 1.24 1.34 1.00 1.11 1.32 1.12 1.26 1.19 1.43 1.3
EV/Sales 4.04 3.51 2.75 2.64 1.64 2.19 2.98 1.79 1.73 1.76 — 2.5
EV/FCF 13.61 11.94 9.80 7.68 6.22 4.58 8.09 7.30 6.68 7.33 — 8.3
Cash, $m
Cash, $m Operating cash flow 61 62 65 83 62 116 100 86 105 105 136 +6.1%
Capex (3) (2) (3) (3) (1) (2) (6) (6) (8) (6) (5) +7.1%
Free cash flow 58 60 63 81 61 114 94 80 97 99 131 +6.1%
Balance, $m
Balance, $m Working capital (288) (242) (208) (149) (490) (920) (832) (661) (493) (482) (369) +5.9%
Net debt (83) (125) (86) (205) (279) (252) (67) (204) (302) (295) (332) +15.1%
Shareholders’ equity 501 531 564 615 655 698 628 702 758 856 877 +6.1%
Returns, %
Returns, % ROA 1.21 1.28 1.42 1.51 1.25 1.67 1.52 1.40 1.38 1.52 1.61 +0.3 pt
ROIC 9.96 10.55 9.21 10.98 11.68 15.51 11.26 12.36 14.64 14.17 16.40 +4.2 pt
ROE 9.70 9.99 10.82 10.95 9.37 13.00 12.34 11.73 11.35 12.15 12.87 +2.4 pt
People
People Employees 996 990 978 1,000 998 974 985 967 934 930 — (0.8%)
Revenue/emp, $m 0.20 0.21 0.23 0.24 0.23 0.25 0.26 0.34 0.40 0.44 — +9.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Community Trust Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
HBT HBT Financial, Inc. $1.4B 15.9× 13.1× +37.46% (above 0%: growing) +26.23% (above 0%: growing) +36.90% (above 0%: growing) 80.56% 0.00% Compare
FMBH First Mid Bancshares, Inc. $1.4B 12.6× 11.2× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.3B 11.6× 11.2× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00%
OSBC Old Second Bancorp, Inc. $1.2B 11.3× 11.3× −1.73% (below 0%: shrinking) +200.00% (above 0%: growing) +282.25% (above 0%: growing) 84.33% 0.00% Compare
PFBC Preferred Bank $1.2B 9.4× 9.8× −3.71% (below 0%: shrinking) −4.14% (below 0%: shrinking) −33.29% (below 0%: shrinking) 57.05% 0.00% Compare
MCB Metropolitan Bank Holding Corp. $1.2B 11.9× 9.9× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00% Compare
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00% Compare
Median of peers $1.2B 12.7× 12.1× +5.55% +8.04% +18.78% 77.27% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 18 March 2026

Ownership

Directors and executive officers, together 2.60%
Community Trust and Investment Company 10.90%
BlackRock, Inc. 7.20%
Dimensional Fund Advisors LP 6.40%
The Vanguard Group 5.10%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Community Trust Bancorp, Inc. (CTBI) Latest News

22 Oct

Impact 3 · · Simply Wall St.

21 Oct

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14 Oct

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26 Aug

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21 Apr

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17 Apr

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16 Apr

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15 Apr

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10 Feb

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9 Feb

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6 Feb

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4 Feb

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29 Jan

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24 Jan

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22 Jan

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21 Jan

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9 Jan

Impact 3 · · Simply Wall St.

8 Jan

Impact 4 · · Simply Wall St.
stockrow.com/CTBI · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com