CTBI
Community Trust Bancorp, Inc.
Price Chart
Latest Quote
$68.35
+0.27 (+0.40%)
Current Price
| Previous Close | $68.08 |
| Open | $69.00 |
| Day High | $69.60 |
| Day Low | $67.95 |
| Volume | 193,407 |
Stock Information
| Quarterly Dividend / Yield | $2.12 / 3.10% |
| Shares Outstanding | 18.16M |
| Quarterly Dividend Yield | 3.10% |
| Quarterly Dividend | $2.12 |
| Total Debt | $379.23M |
| Cash Equivalents | $181.00M |
| Revenue | $279.45M |
| Net Income | $103.28M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.24B |
| P/E Ratio | 11.97 |
| EPS (TTM) | $5.71 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.44B |
| Sales | $279.45M |
| Income | $103.28M |
| Book/sh | $47.99 |
| Cash/sh | $9.96 |
| Employees | 974 |
Financial Ratios
| EPS Growth TTM | 23.80% |
Returns & Margins
| ROA | 1.59% |
| ROE | 12.48% |
| Operating Margin | 50.80% |
| Profit Margin | 36.96% |
Ownership
| Insider Ownership | 1.37% |
| Institutional Ownership | 67.85% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.89 |
| PEG | 1.03 |
| P/S | 4.44 |
| P/B | 1.42 |
Analyst Data
| Recommendation | buy |
| Target Price | $73.67 |
Technical Indicators
| SMA20 | $67.52 |
| SMA50 | $65.93 |
| SMA200 | $59.09 |
| RSI | 57.55 |
| ATR | 1.6928 |
| Shares Float | 15.60M |
| Short Float | 1.61% |
| Short Ratio | 3.13 |
| Volatility | 0.57 |
| Rel Volume | 2.06 |
Performance History
| Week | -1.76% |
| Month | +5.55% |
| Quarter | +16.86% |
| 6 Months | +13.65% |
| YTD | +23.16% |
| Year | +42.12% |
| 3 Years | +98.20% |
| 5 Years | +94.45% |
| 10 Years | +183.38% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $68.35 | 200,900 |
| 2026-06-17 | $68.08 | 172,700 |
| 2026-06-16 | $68.95 | 98,300 |
| 2026-06-15 | $68.82 | 77,900 |
| 2026-06-12 | $70.65 | 100,600 |
| 2026-06-11 | $69.58 | 102,200 |
| 2026-06-10 | $69.77 | 80,900 |
| 2026-06-09 | $68.63 | 87,000 |
| 2026-06-08 | $67.80 | 71,300 |
| 2026-06-05 | $67.08 | 64,600 |
| 2026-06-04 | $67.01 | 83,900 |
| 2026-06-03 | $64.90 | 97,800 |
| 2026-06-02 | $66.79 | 64,900 |
| 2026-06-01 | $65.55 | 114,300 |
| 2026-05-29 | $66.36 | 91,300 |
| 2026-05-28 | $66.20 | 73,300 |
| 2026-05-27 | $66.21 | 111,500 |
| 2026-05-26 | $66.94 | 88,000 |
| 2026-05-22 | $66.20 | 78,500 |
| 2026-05-21 | $66.50 | 91,000 |
| 2026-05-20 | $65.80 | 102,200 |
| 2026-05-19 | $64.75 | 77,200 |
About Community Trust Bancorp, Inc.
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $282,595,000 | $248,560,000 | $230,769,000 | $227,018,000 |
| Operating Revenue | $282,595,000 | $248,560,000 | $230,769,000 | $227,018,000 |
| Expenses | ||||
| Interest Expense | $126,741,000 | $127,448,000 | $95,540,000 | $28,640,000 |
| Selling And Marketing Expense | $3,167,000 | $3,130,000 | $3,214,000 | $3,005,000 |
| General And Administrative Expense | $88,304,000 | $82,013,000 | $76,194,000 | $73,937,000 |
| Professional Expense And Contract Services Expense | $4,290,000 | $3,873,000 | $3,350,000 | $3,434,000 |
| Other Non Interest Expense | $34,060,000 | $29,703,000 | $30,789,000 | $29,612,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Interest Income | $218,978,000 | $185,995,000 | $173,110,000 | $169,102,000 |
| Interest Income | $345,719,000 | $313,443,000 | $268,650,000 | $197,742,000 |
| Normalized Income | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Income From Continuing And Discontinued Operation | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Income Common Stockholders | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Income | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Income Including Noncontrolling Interests | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Net Income Continuous Operations | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Pretax Income | $127,092,000 | $106,686,000 | $98,568,000 | $101,042,000 |
| Per Share | ||||
| Diluted EPS | $5.43 | $4.61 | $4.36 | $4.58 |
| Basic EPS | $5.44 | $4.61 | $4.36 | $4.59 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $5,753,000 | $5,003,000 | $5,351,000 | $5,219,000 |
| Diluted Average Shares | $18,044,000 | $17,977,000 | $17,900,000 | $17,851,000 |
| Basic Average Shares | $18,013,000 | $17,950,000 | $17,887,000 | $17,836,000 |
| Diluted NI Availto Com Stockholders | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Tax Provision | $29,034,000 | $23,873,000 | $20,564,000 | $19,228,000 |
| Gain On Sale Of Security | $375,000 | $631,000 | $996,000 | $-168,000 |
| Selling General And Administration | $91,471,000 | $85,143,000 | $79,408,000 | $76,942,000 |
| Insurance And Claims | $2,825,000 | $2,586,000 | $2,483,000 | $1,447,000 |
| Salaries And Wages | $85,479,000 | $79,427,000 | $73,711,000 | $72,490,000 |
| Occupancy And Equipment | $13,246,000 | $12,204,000 | $11,843,000 | $11,083,000 |
| Securities Amortization | - | - | $2,638,000 | $2,853,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $783,831,000 | $684,737,000 | $629,053,000 | $554,089,000 |
| Total Assets | $6,684,138,000 | $6,193,245,000 | $5,769,696,000 | $5,380,316,000 |
| Goodwill And Other Intangible Assets | $72,241,000 | $72,847,000 | $73,155,000 | $73,958,000 |
| Other Intangible Assets | $6,751,000 | $7,357,000 | $7,665,000 | $8,468,000 |
| Receivables | $25,957,000 | $24,758,000 | $23,575,000 | $19,592,000 |
| Accounts Receivable | $25,957,000 | $24,758,000 | $23,575,000 | $19,592,000 |
| Cash And Cash Equivalents | $363,929,000 | $369,750,000 | $271,645,000 | $128,931,000 |
| Cash Financial | $62,851,000 | $73,021,000 | $58,833,000 | $51,306,000 |
| Cash Cash Equivalents And Federal Funds Sold | $363,929,000 | $369,750,000 | $271,645,000 | $128,931,000 |
| Debt | ||||
| Total Debt | $80,494,000 | $79,520,000 | $80,968,000 | $75,824,000 |
| Long Term Debt And Capital Lease Obligation | $80,494,000 | $79,520,000 | $80,968,000 | $75,824,000 |
| Long Term Debt | $64,077,000 | $64,330,000 | $64,575,000 | $58,196,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,828,066,000 | $5,435,661,000 | $5,067,488,000 | $4,752,269,000 |
| Payables And Accrued Expenses | $8,535,000 | $8,378,000 | $7,389,000 | $2,237,000 |
| Payables | $8,535,000 | $8,378,000 | $7,389,000 | $2,237,000 |
| Accounts Payable | $8,535,000 | $8,378,000 | $7,389,000 | $2,237,000 |
| Non Current Deferred Liabilities | - | - | - | - |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $856,072,000 | $757,584,000 | $702,208,000 | $628,047,000 |
| Total Equity Gross Minority Interest | $856,072,000 | $757,584,000 | $702,208,000 | $628,047,000 |
| Stockholders Equity | $856,072,000 | $757,584,000 | $702,208,000 | $628,047,000 |
| Gains Losses Not Affecting Retained Earnings | $-64,820,000 | $-98,369,000 | $-103,321,000 | $-129,152,000 |
| Other Equity Adjustments | $-64,820,000 | $-98,369,000 | $-103,321,000 | $-129,152,000 |
| Retained Earnings | $593,888,000 | $531,861,000 | $484,400,000 | $438,596,000 |
| Other | ||||
| Ordinary Shares Number | $18,115,847 | $18,057,923 | $17,999,840 | $17,918,280 |
| Share Issued | $18,115,847 | $18,057,923 | $17,999,840 | $17,918,280 |
| Tangible Book Value | $783,831,000 | $684,737,000 | $629,053,000 | $554,089,000 |
| Invested Capital | $920,149,000 | $821,914,000 | $766,783,000 | $686,243,000 |
| Capital Lease Obligations | $16,417,000 | $15,190,000 | $16,393,000 | $17,628,000 |
| Total Capitalization | $920,149,000 | $821,914,000 | $766,783,000 | $686,243,000 |
| Additional Paid In Capital | $236,423,000 | $233,802,000 | $231,130,000 | $229,012,000 |
| Capital Stock | $90,581,000 | $90,290,000 | $89,999,000 | $89,591,000 |
| Common Stock | $90,581,000 | $90,290,000 | $89,999,000 | $89,591,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $16,417,000 | $15,190,000 | $16,393,000 | $17,628,000 |
| Investments And Advances | $209,873,000 | $204,109,000 | $1,166,882,000 | $1,258,392,000 |
| Available For Sale Securities | $4,154,000 | $3,781,000 | $3,158,000 | $2,166,000 |
| Goodwill | $65,490,000 | $65,490,000 | $65,490,000 | $65,490,000 |
| Net PPE | $68,044,000 | $64,015,000 | $61,014,000 | $59,704,000 |
| Accumulated Depreciation | $-88,789,000 | $-88,102,000 | $-84,961,000 | $-87,629,000 |
| Gross PPE | $156,833,000 | $152,117,000 | $145,975,000 | $147,333,000 |
| Leases | $5,128,000 | $5,068,000 | $4,858,000 | $4,797,000 |
| Construction In Progress | $3,712,000 | $2,392,000 | $2,790,000 | $589,000 |
| Other Properties | $15,433,000 | $14,385,000 | $15,703,000 | $17,071,000 |
| Machinery Furniture Equipment | $42,884,000 | $41,413,000 | $39,695,000 | $43,531,000 |
| Land And Improvements | $89,676,000 | $88,859,000 | $82,929,000 | $81,345,000 |
| Other Short Term Investments | $205,719,000 | $200,328,000 | $1,163,724,000 | $1,256,226,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $97,388,000 | $97,248,000 | $79,528,000 | $93,466,000 |
| Operating Activities | ||||
| Operating Cash Flow | $104,991,000 | $105,326,000 | $85,850,000 | $99,684,000 |
| Cash Flow From Continuing Operating Activities | $104,991,000 | $105,326,000 | $85,850,000 | $99,684,000 |
| Operating Gains Losses | $-987,000 | $-404,000 | $-807,000 | $-1,798,000 |
| Investing Activities | ||||
| Capital Expenditure | $-7,603,000 | $-8,078,000 | $-6,322,000 | $-6,218,000 |
| Investing Cash Flow | $-463,220,000 | $-335,673,000 | $-226,599,000 | $-280,007,000 |
| Cash Flow From Continuing Investing Activities | $-463,220,000 | $-335,673,000 | $-226,599,000 | $-280,007,000 |
| Net Other Investing Changes | $-16,260,000 | $4,358,000 | $-3,142,000 | $2,379,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $1,324,000 | $1,770,000 | $1,129,000 | $1,041,000 |
| Financing Cash Flow | $352,408,000 | $328,452,000 | $283,463,000 | $-2,747,000 |
| Cash Flow From Continuing Financing Activities | $352,408,000 | $328,452,000 | $283,463,000 | $-2,747,000 |
| Cash Dividends Paid | $-35,982,000 | $-33,407,000 | $-32,187,000 | $-29,938,000 |
| Common Stock Dividend Paid | $-35,982,000 | $-33,407,000 | $-32,187,000 | $-29,938,000 |
| Net Common Stock Issuance | $1,324,000 | $1,770,000 | $1,129,000 | $1,041,000 |
| Common Stock Issuance | $1,324,000 | $1,770,000 | $1,129,000 | $1,041,000 |
| Repurchase Of Capital Stock | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-100,436,000 | $-100,399,000 | $-225,335,000 | $-45,044,000 |
| Issuance Of Debt | $100,000,000 | $100,000,000 | $231,563,000 | $45,000,000 |
| Interest Paid Supplemental Data | $126,584,000 | $126,459,000 | $90,388,000 | $27,419,000 |
| Income Tax Paid Supplemental Data | $28,506,000 | $20,611,000 | $20,728,000 | $16,293,000 |
| End Cash Position | $363,684,000 | $369,505,000 | $271,400,000 | $128,686,000 |
| Beginning Cash Position | $369,505,000 | $271,400,000 | $128,686,000 | $311,756,000 |
| Changes In Cash | $-5,821,000 | $98,105,000 | $142,714,000 | $-183,070,000 |
| Net Issuance Payments Of Debt | $-436,000 | $-399,000 | $6,228,000 | $-44,000 |
| Net Long Term Debt Issuance | $-436,000 | $-399,000 | $6,228,000 | $-44,000 |
| Long Term Debt Payments | $-100,436,000 | $-100,399,000 | $-225,335,000 | $-45,044,000 |
| Long Term Debt Issuance | $100,000,000 | $100,000,000 | $231,563,000 | $45,000,000 |
| Net Investment Purchase And Sale | $-22,828,000 | $112,038,000 | $126,707,000 | $25,678,000 |
| Sale Of Investment | $209,631,000 | $167,403,000 | $146,185,000 | $205,305,000 |
| Purchase Of Investment | $-232,459,000 | $-55,365,000 | $-19,478,000 | $-179,627,000 |
| Net PPE Purchase And Sale | $-6,491,000 | $-8,008,000 | $-5,947,000 | $-5,598,000 |
| Sale Of PPE | $1,112,000 | $70,000 | $375,000 | $620,000 |
| Purchase Of PPE | $-7,603,000 | $-8,078,000 | $-6,322,000 | $-6,218,000 |
| Change In Working Capital | $-7,793,000 | $9,756,000 | $-5,023,000 | $159,000 |
| Change In Other Current Liabilities | $3,537,000 | $7,999,000 | $-3,562,000 | $608,000 |
| Change In Other Current Assets | $-10,288,000 | $1,951,000 | $-2,630,000 | $2,507,000 |
| Change In Payables And Accrued Expense | $157,000 | $989,000 | $5,152,000 | $1,221,000 |
| Change In Payable | $157,000 | $989,000 | $5,152,000 | $1,221,000 |
| Change In Account Payable | $157,000 | $989,000 | $5,152,000 | $1,221,000 |
| Change In Receivables | $-1,199,000 | $-1,183,000 | $-3,983,000 | $-4,177,000 |
| Changes In Account Receivables | $-1,199,000 | $-1,183,000 | $-3,983,000 | $-4,177,000 |
| Other Non Cash Items | $-3,571,000 | $-4,461,000 | $-2,648,000 | $-1,069,000 |
| Stock Based Compensation | $1,774,000 | $1,354,000 | $1,576,000 | $1,366,000 |
| Unrealized Gain Loss On Investment Securities | $-373,000 | $-623,000 | $-992,000 | $87,000 |
| Asset Impairment Charge | $96,000 | $105,000 | $211,000 | $285,000 |
| Deferred Tax | $-2,944,000 | $-1,732,000 | $709,000 | $3,250,000 |
| Deferred Income Tax | $-2,944,000 | $-1,732,000 | $709,000 | $3,250,000 |
| Depreciation Amortization Depletion | $5,753,000 | $5,003,000 | $5,351,000 | $5,219,000 |
| Depreciation And Amortization | $5,753,000 | $5,003,000 | $5,351,000 | $5,219,000 |
| Depreciation | $5,753,000 | $5,003,000 | $5,351,000 | - |
| Gain Loss On Investment Securities | $-2,000 | $-8,000 | $-4,000 | $81,000 |
| Net Income From Continuing Operations | $98,058,000 | $82,813,000 | $78,004,000 | $81,814,000 |
| Common Stock Payments | - | - | - | $0 |
| Net Investment Properties Purchase And Sale | - | - | - | $-73,000 |
| Purchase Of Investment Properties | - | - | - | $-73,000 |
Fetched: 2026-06-20