Community Trust Bancorp Inc (CTBI) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Community Trust Bancorp reported revenue of $282.6M, up 13.7% from $248.6M the year before. Net income was $98.1M (a 34.7% net margin), or $5.43 per diluted share. Net interest income was $219.0M, and the efficiency ratio (noninterest expense / revenue) was 50.6%. Operating activities generated $105.0M of cash, leaving $97.4M of free cash flow. At fiscal year end, Community Trust Bancorp held $6.68B in total assets against $5.83B in total liabilities, including $363.7M of cash and equivalents.
Open the full interactive Community Trust Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Community Trust Bancorp Key Stats
| Share Price | $74.08 |
|---|---|
| Market Cap | $1.34B |
| P/E Ratio | 13.6 |
| Dividend Yield | 2.85% |
| Revenue YoY Growth | +13.7% |
| 52-Week Range | $49.29 – $78.74 |
| Shares Outstanding | 18.1 million (basic, 2026 Q2) |
Community Trust Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $151.0M | $163.1M | $169.1M | $173.1M | $186.0M | $219.0M |
| Provision for Credit Losses | $16.0M | -$6.4M | $4.9M | $6.8M | $11.0M | $12.4M |
| Noninterest Income | $54.6M | $60.5M | $57.9M | $57.7M | $62.6M | $63.6M |
| Noninterest Expense | $119.2M | $119.3M | $121.1M | $125.4M | $130.9M | $143.1M |
| Revenue | $205.6M | $223.5M | $227.0M | $230.8M | $248.6M | $282.6M |
| Pre-Tax Income | $70.3M | $110.6M | $101.0M | $98.6M | $106.7M | $127.1M |
| Income Tax | $10.8M | $22.7M | $19.2M | $20.6M | $23.9M | $29.0M |
| Net Income | $59.5M | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M |
| Diluted EPS | $3.35 | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
Community Trust Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $71.5M | $74.7M | $74.2M | $78.5M |
| Net Income | $23.9M | $27.3M | $27.2M | $29.6M |
| Diluted EPS | $1.32 | $1.51 | $1.50 | $1.64 |
Community Trust Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $338.2M | $311.8M | $128.7M | $271.4M | $369.5M | $363.7M |
| Loans (Net) | $3.51B | — | — | — | — | — |
| Total Assets | $5.14B | $5.42B | $5.38B | $5.77B | $6.19B | $6.68B |
| Deposits | $4.02B | $4.34B | $4.43B | $4.72B | $5.07B | $5.39B |
| Total Long-Term Debt | $58.2M | $58.2M | $58.2M | $64.2M | $64.0M | $63.8M |
| Total Liabilities | $4.48B | $4.72B | $4.75B | $5.07B | $5.44B | $5.83B |
| Shareholders' Equity | $654.9M | $698.2M | $628.0M | $702.2M | $757.6M | $856.1M |
Community Trust Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $62.4M | $115.7M | $99.7M | $85.7M | $105.2M | $105.0M |
| Cash From Investing | -$693.5M | -$358.6M | -$280.0M | -$226.6M | -$335.7M | -$463.2M |
| Cash From Financing | $704.7M | $216.4M | -$2.7M | $283.6M | $328.6M | $352.4M |
| Free Cash Flow | $60.9M | $113.3M | $93.5M | $79.4M | $97.1M | $97.4M |
| Dividends Paid | $27.1M | $27.9M | $29.9M | $32.2M | $33.4M | $36.0M |
Figures from Community Trust Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Community Trust Bancorp financials page for every line item.
Community Trust Bancorp Company Profile
| Ticker | CTBI |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Pikeville, Kentucky |
| Incorporated in | Kentucky |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000350852 |
Frequently Asked Questions
What was Community Trust Bancorp's revenue in fiscal 2025?
Community Trust Bancorp (CTBI) reported revenue of $282.6M for fiscal 2025.
What is Community Trust Bancorp's annual revenue history?
Community Trust Bancorp's annual revenue by fiscal year: 2020: $205.6M; 2021: $223.5M; 2022: $227.0M; 2023: $230.8M; 2024: $248.6M; 2025: $282.6M.
What was Community Trust Bancorp's net income in fiscal 2025?
Community Trust Bancorp reported net income of $98.1M for fiscal 2025.
What was Community Trust Bancorp's earnings per share (EPS) in fiscal 2025?
Community Trust Bancorp's diluted EPS was $5.43 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Community Trust Bancorp generate in fiscal 2025?
Community Trust Bancorp generated $97.4M of free cash flow in fiscal 2025.
What was Community Trust Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Community Trust Bancorp reported revenue of $78.5M.
How much debt does Community Trust Bancorp have?
Community Trust Bancorp reported $63.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Community Trust Bancorp are outstanding?
Community Trust Bancorp reported a weighted average of 18.1 million basic shares outstanding in 2026 Q2.
What is Community Trust Bancorp's market cap?
Based on its latest closing price, Community Trust Bancorp (CTBI) has a market capitalization of about $1.34B.
When does Community Trust Bancorp's fiscal year end?
Community Trust Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Community Trust Bancorp headquartered?
Community Trust Bancorp lists its business address in Pikeville, Kentucky in its SEC filings.