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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 1.88%
Next Y revenue growth (23.44%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Community Trust Bancorp, Inc. (CTBI) Latest News

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stockrow.com/CTBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com