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Community Trust Bancorp, Inc. (CTBI)

Profile

Full Name

Community Trust Bancorp, Inc.

Ticker

NASDAQ: CTBI

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

December 29, 1987

Indexes

Not included

Website

https://www.ctbi.com

Employees

937

Key Details

Price

$56.62(+0.94%)

Market cap

Last Dividend

$0.53

TTM Dividend yield

3.43%

Annual revenue

$374.43M(+15.31% YoY)

Annual EPS

$4.61(+5.73% YoY)

PE ratio

11.15

Next earnings date

Oct 15, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $56.62
    CTBI price is $56.62

    30-Day Relative Volume

    1.16
    CTBI 30-day relative volume is 1.16

    Price Performance

    Price Today change

    +0.94%
    CTBI price is up +0.94% today

    Price YTD change

    +6.77%
    CTBI price is up +6.77% since January 1st

    Price 1-year change

    +13.42%
    CTBI price is up +13.42% year-on-year

    Price 3-year change

    +34.65%
    CTBI price is up +34.65% over the past 3 years

    Price Range

    Price All-time high

    $61.67
    CTBI price is currently -8.19% below its historical high of $61.67

    Price 3-year low

    $32.68
    CTBI price is currently +73.26% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $1.03B
    CTBI market capitalization is $1.03 billion

    Market cap 3-year change

    +36.22%
    CTBI market capitalization is up +36.22% over the past 3 years

    Market cap All-time high

    $1.10B
    CTBI market capitalization is currently -6.76% below its historical high of $1.10 billion

    Market cap sector rank

    62.2%
    CTBI market capitalization is higher than 62.2% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.32%
    CTBI shares outstanding is up +0.32% year-on-year

    Shares Outstanding 3-Year Change

    +1.17%
    CTBI shares outstanding is up +1.17% over the past 3 years

    Technical Indicators

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    Beta

    0.78
    CTBI beta is 0.78

    200-day SMA

    $53.47
    CTBI price is currently +5.89% above its 200-day simple moving average

    50-day SMA

    $56.18
    CTBI price is currently +0.79% above its 50-day simple moving average

    RSI

    44.30
    CTBI 14-day relative strength index is 44.30

    Volume

    1.16
    CTBI 30-day relative volume is 1.16

    ATR

    $1.10
    CTBI average true range is $1.10

    10-day Historical Volatility

    12.45%
    CTBI 10-day historical volatility is 12.45%

    Dividend

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    Events

    Last Paid Dividend

    $0.53
    CTBI last dividend was $0.53 per share, with an ex-dividend date of September 15, 2025

    Next Dividend

    -
    CTBI next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $1.86
    CTBI annual dividend per share is $1.86

    Dividend per share Sector Rank

    82.55%
    CTBI annual dividend per share is higher than 82.55% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +3.33%
    CTBI annual dividend per share is up +3.33% year-on-year

    Dividend per share 3-Year Change

    +18.47%
    CTBI annual dividend per share is up +18.47% over the past 3 years

    Dividend yield

    Dividend yield

    3.29%
    CTBI annual dividend yield is 3.29%

    Dividend yield Sector Rank

    38.45%
    CTBI annual dividend yield is higher than 38.45% of companies in Financial Services sector

    Other

    Payout ratio

    -40.34%
    CTBI annual payout ratio is -40.34%

    Dividends paid

    -$33.41M
    CTBI annual dividends paid is -$33.41 million

    Free cash flow

    $97.09M
    CTBI annual free cash flow is $97.09 million

    Income Statement

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    Revenue

    Revenue

    $374.43M
    CTBI annual revenue is $374.43 million

    Revenue Analysts estimate

    $280.55M
    CTBI annual revenue is currently +33.46% higher than the consensus analysts' forecast

    Revenue 1-year change

    +15.31%
    CTBI annual revenue is up +15.31% year-on-year

    Revenue Sector rank

    68.27%
    CTBI annual revenue is higher than 68.27% of companies in Financial Services sector

    EPS

    EPS

    $4.61
    CTBI annual earnings per share is $4.61

    EPS Analysts estimate

    $5.34
    CTBI annual earnings per share is currently -13.67% lower than the consensus analysts' forecast

    EPS 1-year change

    +5.73%
    CTBI annual earnings per share is up +5.73% year-on-year

    EPS Sector rank

    85.85%
    CTBI annual earnings per share is higher than 85.85% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    CTBI annual gross profit is $0.00

    Gross margin

    0.00%
    CTBI annual gross profit margin is 0.00%

    Operating profit

    $106.69M
    CTBI annual operating income is $106.69 million

    Operating margin

    28.49%
    CTBI annual operating profit margin is 28.49%

    Net income

    $82.81M
    CTBI annual net profit is $82.81 million

    Net margin

    22.12%
    CTBI annual net profit margin is 22.12%

    Expenses

    Total expenses

    $291.61M
    CTBI annual total expenses is $291.61 million

    Operating expenses

    -$106.69M
    CTBI annual total operating expenses is -$106.69 million

    Cost of goods sold

    -
    CTBI annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    CTBI annual SGA is $0.00

    Depreciation and amortization

    $5.00M
    CTBI annual depreciation & amortization is $5.00 million

    Interest expense

    $127.45M
    CTBI annual interest expense is $127.45 million

    Income tax

    $23.87M
    CTBI annual income tax is $23.87 million

    EBIT & EBITDA

    EBIT

    $234.13M
    CTBI annual earnings before interest & taxes is $234.13 million

    EBITDA

    $239.14M
    CTBI annual EBITDA is $239.14 million

    Balance Sheet

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    Assets

    Total assets

    $6.22B
    CTBI annual total assets is $6.22 billion

    Non current assets

    $5.65B
    CTBI annual long term assets is $5.65 billion

    Current assets

    $398.15M
    CTBI annual total current assets is $398.15 million

    Cash and cash equivalents

    $73.02M
    CTBI annual cash & cash equivalents is $73.02 million

    Accounts receivable

    $24.76M
    CTBI annual accounts receivable is $24.76 million

    Inventory

    -
    CTBI annual inventory value is unknown

    Liabilities

    Total liabilities

    $5.46B
    CTBI annual total liabilities is $5.46 billion

    Long term liabilities

    $70.03M
    CTBI annual total long term liabilities is $70.03 million

    Current liabilities

    $4.71B
    CTBI annual total current liabilities is $4.71 billion

    Accounts payable

    $8.38M
    CTBI annual accounts payable is $8.38 million

    Debt

    Total debt

    $320.19M
    CTBI annual total debt is $320.19 million

    Total debt 1-year change

    +4.39%
    CTBI annual total debt is up +4.39% year-on-year

    Long term debt

    $77.55M
    CTBI annual long term debt is $77.55 million

    Short term debt

    $242.63M
    CTBI annual short term debt is $242.63 million

    Equity & Capital

    Shareholders equity

    $757.58M
    CTBI annual stockholders equity is $757.58 million

    Book value

    $757.58M
    CTBI annual book value is $757.58 million

    Retained earnings

    $531.86M
    CTBI annual retained earnings is $531.86 million

    Working capital

    -$4.32B
    CTBI annual working capital is -$4.32 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $105.17M
    CTBI annual cash flow from operations is $105.17 million

    Cash from operations 1-year change

    +22.68%
    CTBI annual cash flow from operations is up +22.68% year-on-year

    Cash from investing

    -$335.67M
    CTBI annual cash flow from investing activities is -$335.67 million

    Cash from investing 1-year change

    -48.14%
    CTBI annual cash flow from investing activities is down -48.14% year-on-year

    Cash from financing

    $328.61M
    CTBI annual cash flow from financing activities is $328.61 million

    Cash from financing 1-year change

    +15.88%
    CTBI annual cash flow from financing activities is up +15.88% year-on-year

    CAPEX

    CAPEX

    $8.08M
    CTBI annual capital expenditures is $8.08 million

    CAPEX 1-year change

    -37.92%
    CTBI annual capital expenditures is down -37.92% year-on-year

    Free Cash Flow

    Free cash flow

    $97.09M
    CTBI annual free cash flow is $97.09 million

    Free cash flow 1-year change

    +33.52%
    CTBI annual free cash flow is up +33.52% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    CTBI annual gross profit margin is 0.00%

    Operating margin

    28.49%
    CTBI annual operating profit margin is 28.49%

    Net margin

    22.12%
    CTBI annual net profit margin is 22.12%

    ROA & ROE

    ROA

    1.38%
    CTBI annual return on assets is 1.38%

    ROE

    11.35%
    CTBI annual return on equity is 11.35%

    Valuation

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    PE Ratio

    PE ratio

    11.15
    CTBI price to earnings ratio is 11.15

    PE ratio Sector rank

    24.81%
    CTBI price to earnings ratio is higher than 24.81% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.27
    CTBI price to book ratio is 1.27

    PB ratio Sector rank

    47.88%
    CTBI price to book ratio is higher than 47.88% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.62
    CTBI price to sales ratio is 2.62

    PS ratio Sector rank

    64.43%
    CTBI price to sales ratio is higher than 64.43% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $1.25B
    CTBI enterprise value is $1.25 billion

    Enterprise value Sector rank

    59.84%
    CTBI enterprise value is higher than 59.84% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    CTBI EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    CTBI EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.08
    CTBI annual current ratio is 0.08

    Quick ratio

    -
    CTBI annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.42
    CTBI annual debt to equity ratio is 0.42

    Interest coverage ratio

    1.84
    CTBI annual interest coverage ratio is 1.84

    Risk & Stability

    Piotroski F-Score

    6
    CTBI piotroski f-score is 6

    Altman Z-Score

    -0.42
    CTBI altman z-score is -0.42

    Analyst ratings

    Recent major analysts updates

    Jul 17, 25 Raymond James
    Outperform
    Apr 17, 25 Piper Sandler
    Overweight
    Apr 2, 25 Raymond James
    Outperform
    Mar 27, 24 Janney Montgomery Scott
    Buy
    Feb 16, 24 Piper Sandler
    Overweight
    Dec 9, 20 Piper Sandler
    Overweight
    Sep 30, 20 Piper Sandler
    Neutral
    Mar 2, 20 Piper Sandler
    Neutral
    Feb 27, 17 Hilliard Lyons
    Underperform
    Jul 16, 15 Keefe, Bruyette & Woods
    Market Perform

    Institutional Ownership

    Screeners with CTBI included

    Growing Shares Outstanding
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    • What is the ticker symbol for Community Trust Bancorp, Inc.?
    • Does Community Trust Bancorp, Inc. pay dividends?
    • What sector is Community Trust Bancorp, Inc. in?
    • What industry is Community Trust Bancorp, Inc. in?
    • What country is Community Trust Bancorp, Inc. based in?
    • When did Community Trust Bancorp, Inc. go public?
    • Is Community Trust Bancorp, Inc. in the S&P 500?
    • Is Community Trust Bancorp, Inc. in the NASDAQ 100?
    • Is Community Trust Bancorp, Inc. in the Dow Jones?
    • When was Community Trust Bancorp, Inc.'s last earnings report?
    • When does Community Trust Bancorp, Inc. report earnings?

    What is the ticker symbol for Community Trust Bancorp, Inc.?

    The ticker symbol for Community Trust Bancorp, Inc. is NASDAQ:CTBI

    Does Community Trust Bancorp, Inc. pay dividends?

    Yes, Community Trust Bancorp, Inc. pays dividends. The last payment was $0.53, with an ex-dividend date on September 15, 2025

    What sector is Community Trust Bancorp, Inc. in?

    Community Trust Bancorp, Inc. is in the Financial Services sector

    What industry is Community Trust Bancorp, Inc. in?

    Community Trust Bancorp, Inc. is in the Regional Banks industry

    What country is Community Trust Bancorp, Inc. based in?

    Community Trust Bancorp, Inc. is headquartered in United States

    When did Community Trust Bancorp, Inc. go public?

    Community Trust Bancorp, Inc.'s initial public offering (IPO) was on December 29, 1987

    Is Community Trust Bancorp, Inc. in the S&P 500?

    No, Community Trust Bancorp, Inc. is not included in the S&P 500 index

    Is Community Trust Bancorp, Inc. in the NASDAQ 100?

    No, Community Trust Bancorp, Inc. is not included in the NASDAQ 100 index

    Is Community Trust Bancorp, Inc. in the Dow Jones?

    No, Community Trust Bancorp, Inc. is not included in the Dow Jones index

    When was Community Trust Bancorp, Inc.'s last earnings report?

    Community Trust Bancorp, Inc.'s most recent earnings report was on July 16, 2025

    When does Community Trust Bancorp, Inc. report earnings?

    The next expected earnings date for Community Trust Bancorp, Inc. is October 15, 2025
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