Saturday 17 October 2026 Export CTBI’s income statement to Excel — free account

Community Trust Bancorp, Inc.

Community Trust Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $409.3 million, up 8.86% from fiscal 2024. In the quarter to June 2026, revenue grew 6.97%, EPS grew 18.8%, free cash flow grew 217.4% and total debt rose 1.17%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

74.98 0.55 +0.74%

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Market cap: $1.4B
P/E: 12.5×
Fwd P/E: 11.1×
Dividend yield: 2.12%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.00

Total sells 0.31

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 0.85%

Capital & Financial Ratios $m

Market Cap 1,350.00

Revenue 422.65

Net Income 108.00

Free Cash Flow 131.42

Net Debt (446.16)

Current Ratio 0.94

Debt/Equity 0.08

P/E ratio 12.52

Fwd P/E 11.10

P/S ratio 3.20

P/B ratio 1.52

Past 5Y EPS Growth 10.14%

This Y EPS Growth 17.50%

Next Y EPS Growth 1.88%

Next Y revenue growth (23.44%)

Next 5Y EPS Growth 9.78%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 66.27%

10-year low 10-year high

P/S against its own 10 years 57.13%

10-year low 10-year high

P/B against its own 10 years 86.14%

10-year low 10-year high

Dividends

Payout Ratio 0.27

Annual Dividend Rate 1.59

Annual Dividend Yield 2.12%

	total	individual payouts
2027	Powerpack
2026	2.42	0.53 0.53 0.06
2025	2.00	0.47 0.47 0.53 0.53
2024	1.86	0.46 0.46 0.47 0.47
2023	1.80	0.44 0.44 0.46 0.46
2022	1.68	0.40 0.40 0.44 0.44
2021	1.57	0.39 0.39 0.40 0.40
2020	1.53	0.38 0.38 0.39 0.39
2019	1.48	0.36 0.36 0.38 0.38
2018	1.38	0.33 0.33 0.36 0.36
2017	1.30	0.32 0.32 0.33 0.33
2016	1.26	0.31 0.31 0.32 0.32

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	272	370	364	515
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,297	4,826	5,225	5,602

	2023	2024	2025	Q'26
Payables	4,725	5,070	5,389	5,658
ST’ Debt	—	—	—	—
Other	—	—	—	—
	4,958	5,319	5,707	5,972

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	103	109	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.50	1.64	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	30.89	40.33	35.70	38.03	26.45	36.02	39.10	32.68	38.44	44.60	Analyst estimates 2026–2028 Powerpack
	High	51.35	51.90	53.00	47.54	46.87	47.53	48.05	47.35	61.67	61.55
People
People	Employees	996	990	978	1,000	998	974	985	967	934	930
	Revenue/emp, $m	0.20	0.21	0.23	0.24	0.23	0.25	0.26	0.34	0.40	0.44
Income, $m
Income, $m	Revenue	195	204	223	236	231	239	256	326	376	409
	Gross margin, %	93.05	91.04	86.89	82.80	88.98	93.68	88.80	70.72	66.10	69.04
	EBT	66	69	71	72	70	111	101	99	107	127
	EBT margin, %	34.08	33.55	31.58	30.56	30.42	46.37	39.52	30.21	28.37	31.05
	Net income	47	51	59	65	60	88	82	78	83	98
	Depreciation	6	7	8	11	11	13	11	8	8	8
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
	Earnings	2.70	2.92	3.35	3.64	3.35	4.94	4.59	4.36	4.61	5.44
	Cash flow	3.50	3.54	3.70	4.71	3.51	6.50	5.59	4.80	5.87	5.83
	Capex	(0.20)	(0.13)	(0.15)	(0.14)	(0.08)	(0.09)	(0.31)	(0.33)	(0.45)	(0.36)
	Free cash flow	3.30	3.40	3.55	4.57	3.43	6.42	5.28	4.47	5.42	5.47
	Book value	28.53	30.10	31.90	34.69	36.90	39.26	35.21	39.26	42.21	47.53
	Shares, m	18	18	18	18	18	18	18	18	18	18
Valuation, ×
Valuation, ×	P/E	18.48	16.39	11.82	12.85	11.06	8.81	10.10	10.09	11.50	10.39
	P/S	4.47	4.12	3.14	3.51	2.85	3.25	3.24	2.41	2.53	2.49
	P/B	1.74	1.58	1.24	1.34	1.00	1.11	1.32	1.12	1.26	1.19
	EV/Sales	4.04	3.51	2.75	2.64	1.64	2.19	2.98	1.79	1.73	1.76
	EV/FCF	13.61	11.94	9.80	7.68	6.22	4.58	8.09	7.30	6.68	7.33
Cash, $m
Cash, $m	Operating cash flow	61	62	65	83	62	116	100	86	105	105
	Capex	(3)	(2)	(3)	(3)	(1)	(2)	(6)	(6)	(8)	(6)
	Free cash flow	58	60	63	81	61	114	94	80	97	99
Balance, $m
Balance, $m	Working capital	(288)	(242)	(208)	(149)	(490)	(920)	(832)	(661)	(493)	(482)
	Total debt	62	60	60	60	60	60	62	68	68	69
	Net debt	(83)	(125)	(86)	(205)	(279)	(252)	(67)	(204)	(302)	(295)
	Shareholders’ equity	501	531	564	615	655	698	628	702	758	856
Returns, %
Returns, %	ROA	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
	ROE	9.70	9.99	10.82	10.95	9.37	13.00	12.34	11.73	11.35	12.15

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ESQ Esquire Financial Holdings, Inc.	$1.4B	18.4×	28.7×	+18.87% (above 0%: growing)	+6.08% (above 0%: growing)	+59.96% (above 0%: growing)	88.35%	0.00%	Compare
AMAL Amalgamated Financial Corp.	$1.4B	12.4×	10.7×	+15.47% (above 0%: growing)	+36.47% (above 0%: growing)	−23.52% (below 0%: shrinking)	75.97%	0.00%	Compare
BHRB Burke & Herbert Financial Services Corp.	$1.4B	11.1×	8.4×	+20.93% (above 0%: growing)	−74.75% (below 0%: shrinking)	+49.60% (above 0%: growing)	70.87%	0.00%	Compare
WABC Westamerica Bancorporation	$1.4B	13.5×	12.7×	−2.49% (below 0%: shrinking)	+4.46% (above 0%: growing)	−33.14% (below 0%: shrinking)	94.98%	0.00%	Compare
TMP Tompkins Financial Corporation	$1.4B	7.9×	11.6×	+2.51% (above 0%: growing)	+36.42% (above 0%: growing)	−198.57% (below 0%: shrinking)	73.16%	0.00%	Compare
CTBI Community Trust Bancorp, Inc.	$1.4B	12.5×	11.1×	+6.97% (above 0%: growing)	+18.84% (above 0%: growing)	+217.37% (above 0%: growing)	72.12%	0.00%
PEBO Peoples Bancorp Inc.	$1.3B	11.0×	11.0×	−3.48% (below 0%: shrinking)	+31.67% (above 0%: growing)	+12.07% (above 0%: growing)	76.44%	0.00%	Compare
FMBH First Mid Bancshares, Inc.	$1.3B	12.3×	10.3×	+22.84% (above 0%: growing)	+7.14% (above 0%: growing)	+290.93% (above 0%: growing)	75.49%	0.00%	Compare
HBT HBT Financial, Inc.	$1.3B	15.2×	11.1×	+37.46% (above 0%: growing)	+26.23% (above 0%: growing)	+36.90% (above 0%: growing)	80.56%	0.00%	Compare
Median of peers	$1.4B	12.4×	11.1×	+17.17%	+16.69%	+24.49%	76.21%	0.00%

All 323 Banks Regional stocks →

Community Trust Bancorp, Inc. (CTBI) key facts

Strength: Community Trust Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $409.3 million, up 8.86% from fiscal 2024.
Strength: Net income was $98.1 million, or $5.44 per share (basic), a net margin of 24.0%.
Community Trust Bancorp, Inc. (CTBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CTBI traded at $74.98, a market capitalization of $1.4 billion.
At that price the stock trades at 12.5× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 66% of its own readings over the past ten years.
Community Trust Bancorp, Inc. pays an annual dividend of $1.59 per share, a yield of 2.12%, with a payout ratio of 26.6%.
Return on equity was 12.2% and debt-to-equity 0.08.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.