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Friday 6 November 2026
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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%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.48 | 16.39 | 11.82 | 12.85 | 11.06 | 8.81 | 10.10 | 10.09 | 11.50 | 10.39 |
Piotroski F-Score |
4 | 7 | 7 | 7 | 5 | 6 | 5 | 5 | 6 | 8 |
P/S ratio |
4.47 | 4.12 | 3.14 | 3.51 | 2.85 | 3.25 | 3.24 | 2.41 | 2.53 | 2.49 |
P/FCF ratio |
15.05 | 14.02 | 11.16 | 10.21 | 10.80 | 6.79 | 8.81 | 9.85 | 9.78 | 10.33 |
P/Operating CF |
104.50 | 51.11 | 52.04 | 38.69 | 32.57 | 22.97 | 30.39 | 39.17 | 42.41 | 68.12 |
P/B ratio |
1.74 | 1.58 | 1.24 | 1.34 | 1.00 | 1.11 | 1.32 | 1.12 | 1.26 | 1.19 |
Price to Tangible BV |
2.02 | 1.82 | 1.42 | 1.51 | 1.12 | 1.24 | 1.50 | 1.25 | 1.39 | 1.30 |
EV/Sales |
4.04 | 3.51 | 2.75 | 2.64 | 1.64 | 2.19 | 2.98 | 1.79 | 1.73 | 1.76 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.84 | 11.49 | 9.39 | 7.45 | 6.07 | 4.52 | 7.64 | 6.79 | 6.17 | 6.88 |
EV/FCF |
13.61 | 11.94 | 9.80 | 7.68 | 6.22 | 4.58 | 8.09 | 7.30 | 6.68 | 7.33 |
Quick Ratio |
0.04 | 0.05 | 0.04 | 0.07 | 0.08 | 0.07 | 0.03 | 0.05 | 0.07 | 0.06 |
Current Ratio |
0.91 | 0.93 | 0.94 | 0.96 | 0.89 | 0.80 | 0.82 | 0.87 | 0.91 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.58% | 1.46% | 1.42% | 1.37% | 1.16% | 1.10% | 1.15% | 1.18% | 1.09% | 1.03% |
Debt/Equity |
0.12 | 0.11 | 0.11 | 0.10 | 0.09 | 0.09 | 0.10 | 0.10 | 0.09 | 0.08 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.30 | 1.21 | 1.11 | 1.29 | 1.05 | 1.32 | 1.22 | 1.10 | 1.27 | 1.07 |
Capex/Depreciation |
(0.55) | (0.32) | (0.32) | (0.24) | (0.13) | (0.12) | (0.52) | (0.74) | (1.06) | (0.78) |
| 9.70% | 9.99% | 10.82% | 10.95% | 9.37% | 13.00% | 12.34% | 11.73% | 11.35% | 12.15% | |
| 1.21% | 1.28% | 1.42% | 1.51% | 1.25% | 1.67% | 1.52% | 1.40% | 1.38% | 1.52% | |
ROIC |
9.96% | 10.55% | 9.21% | 10.98% | 11.68% | 15.51% | 11.26% | 12.36% | 14.64% | 14.17% |
Return on Tangible Assets |
(19.74%) | (26.30%) | (36.46%) | (61.65%) | (13.28%) | (10.00%) | (10.36%) | (12.67%) | (18.68%) | (22.84%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
57.62% | 56.31% | 54.18% | 50.79% | 56.94% | 45.91% | 49.28% | 40.51% | 37.73% | 37.99% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.23% | 0.31% | 0.32% | 0.36% | 0.41% | 0.36% | 0.53% | 0.48% | 0.36% | 0.43% |
Graham Net Nets |
(0.44) | (0.40) | (0.43) | (0.31) | (0.91) | (1.32) | (1.13) | (0.98) | (0.64) | (0.59) |
Graham Number |
41.55 | 44.39 | 49.03 | 53.23 | 52.74 | 66.12 | 60.37 | 62.06 | 66.16 | 76.27 |
Earnings Yield |
5.41% | 6.10% | 8.46% | 7.78% | 9.04% | 11.35% | 9.90% | 9.91% | 8.69% | 9.63% |
Free Cash Flow Yield |
6.64% | 7.13% | 8.96% | 9.79% | 9.26% | 14.72% | 11.35% | 10.16% | 10.22% | 9.68% |
Revenue per Share |
11.11 | 11.58 | 12.63 | 13.29 | 13.02 | 13.42 | 14.33 | 18.24 | 20.95 | 22.72 |
Operating CF per Share |
3.50 | 3.54 | 3.70 | 4.71 | 3.51 | 6.50 | 5.59 | 4.80 | 5.87 | 5.83 |
Capex per Share |
(0.20) | (0.13) | (0.15) | (0.14) | (0.08) | (0.09) | (0.31) | (0.33) | (0.45) | (0.36) |
Free Cash Flow per Share |
3.30 | 3.40 | 3.55 | 4.57 | 3.43 | 6.42 | 5.28 | 4.47 | 5.42 | 5.47 |
Cash per Share |
8.30 | 10.50 | 8.22 | 14.95 | 19.07 | 17.54 | 7.23 | 15.19 | 20.60 | 20.20 |
Shareholders Equity per Share |
28.53 | 30.10 | 31.90 | 34.69 | 36.90 | 39.26 | 35.21 | 39.26 | 42.21 | 47.53 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
28.53 | 30.10 | 31.90 | 34.69 | 36.90 | 39.26 | 35.21 | 39.26 | 42.21 | 47.53 |
Free Cash Flow |
57.94 | 59.98 | 62.75 | 80.94 | 60.90 | 114.15 | 94.09 | 79.90 | 97.32 | 98.50 |
Working Capital |
(287.81) | (242.09) | (207.75) | (148.73) | (489.94) | (919.79) | (832.37) | (661.02) | (492.87) | (482.02) |
Capital Expenditures |
(3.49) | (2.37) | (2.73) | (2.52) | (1.48) | (1.54) | (5.60) | (5.95) | (8.01) | (6.49) |
Net Current Asset Value |
(382.18) | (332.64) | (302.47) | (256.62) | (600.53) | (1,022.95) | (940.33) | (770.75) | (609.30) | (603.20) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
Price to Operating Income |
13.12 | 12.28 | 9.93 | 11.48 | 9.36 | 7.01 | 8.38 | 7.95 | 8.92 | 8.01 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.13 | 0.16 | 0.19 | 0.24 | 0.27 | 0.32 | 0.25 | 0.18 | 0.15 | 0.16 |
Cash ROIC |
8.18% | 7.73% | 8.16% | 8.61% | 5.78% | 10.67% | 11.49% | 7.67% | 8.14% | 7.64% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
82,971.41 | 65,120.26 | 41,190.37 | 30,682.34 | 57,598.03 | 105,080.62 | 56,408.60 | 18,049.90 | 14,520.58 | 15,519.89 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
3,031.05 | 3,172.59 | 3,284.91 | 3,355.76 | 3,710.83 | 4,180.19 | 4,385.22 | 4,575.38 | 4,897.41 | 5,229.62 |
Average Assets |
3,918.05 | 4,034.20 | 4,168.92 | 4,283.81 | 4,752.57 | 5,278.70 | 5,399.29 | 5,575.01 | 5,981.47 | 6,438.69 |
Average Common Equity |
488.10 | 515.66 | 547.42 | 589.52 | 634.88 | 676.53 | 663.12 | 665.13 | 729.90 | 806.83 |
Columns are period end dates · fundamentals updated 6 Nov 2026