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Community Trust Bancorp, Inc. (CTBI)
Financial Services · Banks - Regional · NasdaqGS
Community Trust Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $227.02M | $230.77M | $248.56M | $282.60M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $47.35M | $51.49M | $59.23M | $64.54M | $59.50M | $87.94M | $81.81M | $78.00M | $82.81M | $98.06M |
| Net margin | — | — | — | — | — | — | 36.0% | 33.8% | 33.3% | 34.7% |
Source: Community Trust Bancorp, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into CTBI stock?
At today's market cap of $1.27B, Community Trust Bancorp, Inc. is priced for free-cash-flow growth of about 1.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $97.39M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.8%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Community Trust Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Community Trust Bancorp, Inc. financial history by metric
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.
Community Trust Bancorp, Inc. — frequently asked questions
What is Community Trust Bancorp, Inc.'s revenue?
Community Trust Bancorp, Inc. (CTBI) reported revenue of $282.60M for fiscal year 2025, up 13.7% from the prior year, according to its SEC filings.
Is Community Trust Bancorp, Inc. profitable?
Yes. CTBI earned net income of $98.06M in fiscal 2025, a net margin of 34.7%.
What is CTBI's P/E ratio?
Community Trust Bancorp, Inc. trades at a price-to-earnings ratio of about 12.3 based on the latest data in our nightly-refreshed cache.
How much debt does Community Trust Bancorp, Inc. have?
As of fiscal year 2025, CTBI carried roughly $373.38M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Community Trust Bancorp, Inc.'s market cap?
Community Trust Bancorp, Inc. (CTBI) has a market capitalization of about $1.27B, based on the latest data in our nightly-refreshed cache.
When does Community Trust Bancorp, Inc.'s fiscal year end?
CTBI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CTBI stock?
At today's market cap of $1.27B, Community Trust Bancorp, Inc. is priced for free-cash-flow growth of about 1.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $97.39M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.8%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Community Trust Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.