Explore 3 Stock Ideas & Industry Insights Download Free Report

Community Trust Bancorp Inc

Financial Services US CTBI

68.31USD
0.73(1.08%)

Last update at 2026-06-08T20:00:00Z

Day Range

67.6568.72
LowHigh

52 Week Range

46.5868.72
LowHigh

Fundamentals

  • Previous Close 67.58
  • Market Cap1181.96M
  • Volume71123
  • P/E Ratio11.40
  • Dividend Yield3.12%
  • Revenue TTM279.45M
  • Revenue Per Share TTM15.50
  • Gross Profit TTM 279.45M
  • Diluted EPS TTM5.71

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 127.09M 106.69M 98.57M 101.04M 110.64M
Minority interest - - - - -
Net income 98.06M 82.81M 78.00M 81.81M 87.94M
Selling general administrative 102.08M 82.01M 76.19M 73.94M 83.53M
Selling and marketing expenses 2.39M 3.13M 3.21M 3.00M 2.93M
Gross profit 273.07M 237.61M 223.96M 227.02M 223.54M
Reconciled depreciation 5.75M 5.00M 5.35M 5.22M 5.03M
Ebit 127.09M 106.69M 98.57M 129.68M 110.64M
Ebitda 131.34M 111.69M 103.92M 134.90M 115.68M
Depreciation and amortization 4.24M 5.00M 5.35M 5.22M 5.03M
Non operating income net other - - - - -24.82700M
Operating income 127.09M 106.69M 98.57M 129.68M 110.64M
Other operating expenses 282.24M 269.32M 227.74M 97.34M 112.90M
Interest expense 126.74M 127.45M 95.54M 28.64M 15.09M
Tax provision 29.03M 23.87M 20.56M 19.23M 22.70M
Interest income 345.72M 313.44M 268.65M 197.74M 178.17M
Net interest income 218.98M 186.00M 173.11M 169.10M 163.08M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 29.03M 23.87M 20.56M 19.23M 22.70M
Total revenue 409.34M 376.01M 326.31M 227.02M 223.54M
Total operating expenses 145.97M 130.92M 125.39M -97.33600M -112.89900M
Cost of revenue 136.27M 138.40M 102.35M - -
Total other income expense net - -200.84400M -20.90800M -28.64000M -15.09000M
Discontinued operations - - - - -
Net income from continuing ops 98.06M 82.81M 78.00M 81.81M 87.94M
Net income applicable to common shares - - - 81.81M 87.94M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 6684.14M 6193.24M 5769.70M 5380.32M 5418.26M
Intangible assets 6.75M 7.36M 65.49M 8.47M 6.77M
Earning assets - - - - -
Other current assets 0.21M - 58.83M 92.30M 2327.45M
Total liab 5828.07M 5435.66M 5067.49M 4752.27M 4720.06M
Total stockholder equity 856.07M 757.58M 702.21M 628.05M 698.20M
Deferred long term liab - - - - 0.55M
Other current liab 5389.06M 5070.19M 1260.69M -2.23700M -1.01600M
Common stock 90.53M 90.29M 90.00M 89.59M 89.22M
Capital stock 90.58M 90.29M 90.00M 89.59M 89.22M
Retained earnings 545.37M 531.86M 484.40M 438.60M 386.75M
Other liab - - - 32.13M 32.95M
Good will 65.49M 65.49M 65.49M 65.49M 65.49M
Other assets 214.88M 4869.42M - 2583.51M 2312.03M
Cash 62.85M 369.75M 271.64M 51.31M 46.56M
Cash and equivalents - - - - -
Total current liabilities 5697.86M 5319.23M 1485.93M 2.24M 1.02M
Current deferred revenue - - -7.38900M - -
Net debt 326.94M -49.56400M 35.07M -33.67800M -33.55300M
Short term debt 308.80M 240.67M 225.25M - 1397.59M
Short long term debt - - - - -
Short long term debt total 389.79M 320.19M 306.71M 17.63M 13.01M
Other stockholder equity 318.54M 233.80M -381.07900M 229.01M 227.09M
Property plant equipment - - - 59.70M 52.63M
Total current assets 5200.76M 1450.24M 58.83M 1404.75M 1517.40M
Long term investments 209.87M 1059.51M 1166.88M 1269.95M 1470.71M
Net tangible assets - - - 562.56M 632.71M
Short term investments 302.93M 1055.73M 1163.72M 1256.23M 1455.43M
Net receivables 4834.77M 24.76M 23.57M 19.59M 15.41M
Long term debt 64.08M 64.33M 64.58M 58.20M 58.22M
Inventory - - -82.40800M 3.67M -15.41500M
Accounts payable 10.90M 8.38M 7.39M 2.24M 1.02M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -98.36900M -98.36900M -103.32100M -129.15200M -4.84800M
Additional paid in capital - - - - -
Common stock total equity - - - - 89.22M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - 386.75M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 15.43M 141.45M 398.70M -42.97300M -1588.82500M
Deferred long term asset charges - - - - -
Non current assets total 1268.49M 4743.01M 5710.86M 1392.05M 1588.83M
Capital lease obligations 16.42M 15.19M 16.39M 17.63M 13.01M
Long term debt total - - - - 57.84M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -22.82800M -335.67300M -226.59900M -280.00700M -491.00400M
Change to liabilities - - - 0.00000M -2.61400M
Total cashflows from investing activities -463.22000M -335.67300M - -280.00700M -358.62000M
Net borrowings -0.43600M -0.24500M - -55.70100M -84.81300M
Total cash from financing activities 352.41M 328.61M 283.58M -2.74700M 216.45M
Change to operating activities - - - 4.34M 2.30M
Net income 98.06M 82.81M 78.00M 81.81M 87.94M
Change in cash -5.82100M 98.11M 142.71M -183.07000M -26.47900M
Begin period cash flow 369.50M 271.40M 128.69M 311.76M 338.24M
End period cash flow 363.68M 369.50M 271.40M 128.69M 311.76M
Total cash from operating activities 104.99M 105.17M 85.73M 99.68M 115.69M
Issuance of capital stock 1.32M 1.77M 1.13M 1.04M 0.96M
Depreciation 5.75M 5.00M 5.35M 5.22M 5.03M
Other cashflows from investing activities -417.34200M -439.63300M - 2.38M -14.94200M
Dividends paid 35.98M 33.41M 32.19M 29.94M 27.92M
Change to inventory - - - - -
Change to account receivables -1.19900M -1.18300M -3.98300M -4.17700M 0.40M
Sale purchase of stock - - - 0.00000M 0.96M
Other cashflows from financing activities 318.87M 360.49M 539.86M 71.19M 243.44M
Change to netincome - - - 12.49M 20.02M
Capital expenditures 7.60M 8.08M 6.32M 6.22M 2.37M
Change receivables - - - - 0.40M
Cash flows other operating - - - - -278.42700M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -26.47900M
Change in working capital -9.36400M 9.76M -5.02300M 0.16M 2.71M
Stock based compensation 1.77M 1.35M 1.58M 1.37M 0.85M
Other non cash items 11.71M 7.98M 5.12M 7.88M 16.84M
Free cash flow 97.39M 97.09M 79.41M 93.47M 113.32M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CTBI
Community Trust Bancorp Inc
0.73 1.08% 68.31 11.40 11.22 4.23 1.38 4.40
HDB
HDFC Bank Limited ADR
-0.4 1.71% 23.01 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.24 0.79% 30.71 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
-0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

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

346 North Mayo Trail, Pikeville, KY, United States, 41502

Key Executives

Name Title Year Born
Mr. Mark A. Gooch CTB CEO, Vice Chairman & Pres 1959
Mr. Kevin J. Stumbo CPA Exec. VP, CFO & Treasurer 1960
Mr. James B. Draughn Exec. VP 1960
Mr. Larry W. Jones Exec. VP 1947
Mr. Charles Wayne Hancock II Sec., Exec. VP & Corp. Counsel 1975
Mr. James J. Gartner Exec. VP 1942
Mr. Richard W. Newsom Exec. VP 1955
Mr. Ricky D. Sparkman Exec. VP 1963
Mr. Steven E. Jameson Exec. VP 1957
Mr. David Andrew Jones Exec. VP 1963

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.