Community Trust Bancorp CTBI
$69.11 −$0.24 (-0.35%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $69.11 0.00%
Open$68.75
Prev close$69.35
Day range$68.67 – $70.05
Volume89.7K
Market cap$1.26B
P/E (TTM)11.4
Dividend yield3.24%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$79.70M+11.5% YoY
Net profit$25.89M+8.3% YoY
Diluted EPS$1.43+8.3% YoY
Free cash flow$43.07M+217.4% YoY
Operating cash flow$44.09M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin35.8%
Return on equity12.9%
Return on assets1.6%
Liabilities / assets87.6%
Cash & investments$59.17M
Total debt$80.00M
Net cash (debt)-$20.83M
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $79.70M | $78.49M | $74.20M | $282.60M | $74.72M |
| Net Interest Income | $61.06M | $60.89M | $58.78M | $218.98M | $58.12M |
| -Interest Income | $94.89M | $91.24M | $87.76M | $345.72M | $89.53M |
| -Interest Expense | $33.84M | $30.35M | $28.97M | $126.74M | $31.42M |
| Non-Interest Income | $18.65M | $17.60M | $15.41M | $63.62M | $16.60M |
| -Fees and Commissions | $14.73M | $14.06M | $13.18M | $52.79M | $13.41M |
| -Other Non-Interest Income | $3.37M | $1.37M | $961,000.00 | $5.68M | $1.71M |
| -Gain Loss on Sale of Assets | $548,000.00 | $985,000.00 | -$437,000.00 | $695,000.00 | $301,000.00 |
| Credit Losses Provision | -$9.17M | -$2.77M | -$2.31M | -$12.44M | -$2.91M |
| Non-Interest Expense | $36.48M | $37.37M | $36.54M | $143.07M | $36.45M |
| Occupancy and Equipment | $3.49M | $3.37M | $3.70M | $13.25M | $3.37M |
| Selling and Admin Expenses | $22.49M | $24.81M | $23.55M | $91.47M | $23.45M |
| -General & Admin Expense | $22.49M | $23.97M | $22.85M | $88.30M | $22.68M |
| Other Non-Interest Expenses | $10.50M | $8.11M | $8.13M | $34.06M | $8.61M |
| Pretax Profit | $34.05M | $38.35M | $35.35M | $127.09M | $35.36M |
| Tax | $8.16M | $8.72M | $8.16M | $29.03M | $8.08M |
| Net Profit | $25.89M | $29.62M | $27.19M | $98.06M | $27.28M |
| Profit from Continuing Operations | $25.89M | $29.62M | $27.19M | $98.06M | $27.28M |
| Net Income to Parent Company | $25.89M | $29.62M | $27.19M | $98.06M | $27.28M |
| Net Income to Common Stockholders | $25.89M | $29.62M | $27.19M | $98.06M | $27.28M |
| Basic EPS | $1.43 | $1.64 | $1.51 | $5.44 | $1.51 |
| Diluted EPS | $1.43 | $1.64 | $1.50 | $5.43 | $1.51 |
| Dividend Per Share | $0.65 | $0.53 | $0.53 | $2.00 | $0.53 |
| -Total Premiums Earned | – | $1.19M | $1.71M | $4.46M | $1.18M |
| Professional Expense and Contract Services Expense | – | $1.08M | $1.16M | $4.29M | $1.02M |
| -Selling & Marketing Expense | – | $841,000.00 | $700,000.00 | $3.17M | $776,000.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $7.06B | $6.99B | $6.74B | $6.68B | $6.68B |
| Cash, Cash Equivalents & Federal Funds Sold | $59.17M | $514.59M | $358.90M | $363.93M | $363.93M |
| -Cash and Cash Equivalents | $59.17M | $514.59M | $358.90M | $363.93M | $363.93M |
| Securities Investment | $1.13B | $146.46M | $181.17M | $209.87M | $209.87M |
| -Available for Sale Securities | $16.27M | $4.58M | $3.67M | $4.15M | $4.15M |
| -Short Term Investments | $1.11B | $141.88M | $177.51M | $205.72M | $205.72M |
| Net Loan | $5.24B | $5.06B | $4.93B | $4.83B | $4.83B |
| -Gross Loan | $5.30B | $5.12B | $4.99B | $4.90B | $4.90B |
| -Allowance for Loans and Lease Losses | $65.06M | $63.00M | $61.32M | $60.17M | $60.17M |
| Net PPE | $67.67M | $68.02M | $68.11M | $68.04M | $68.04M |
| -Gross PPE | $67.67M | $68.02M | $68.11M | $156.83M | $156.83M |
| Goodwill and Other Intangible Assets | $65.49M | $72.25M | $72.22M | $72.24M | $72.24M |
| Other Assets | $503.74M | $940.07M | $947.71M | $951.83M | $951.83M |
| Total Liabilities | $6.18B | $6.10B | $5.87B | $5.83B | $5.83B |
| Total Deposits | $5.69B | $5.66B | $5.43B | $5.39B | $5.39B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $351.11M | $297.59M | $299.22M | $309.30M | $309.30M |
| Long Term Debt and Capital Lease Obligation | $80.00M | $79.95M | $80.01M | $80.49M | $80.49M |
| -Long Term Debt | $64.38M | $63.95M | $64.01M | $64.08M | $64.08M |
| -Long Term Capital Lease Obligation | $15.62M | $16.00M | $16.00M | $16.42M | $16.42M |
| Other Liabilities | $63.24M | $45.82M | $44.91M | $40.68M | $40.68M |
| Total Equity | $877.34M | $891.83M | $871.25M | $856.07M | $856.07M |
| Stockholders' Equity | $877.34M | $891.83M | $871.25M | $856.07M | $856.07M |
| Receivables | – | $25.82M | $25.59M | $25.96M | $25.96M |
| -Accounts Receivable | – | $25.82M | $25.59M | $25.96M | $25.96M |
| -Goodwill | – | $65.49M | $65.49M | $65.49M | $65.49M |
| -Other Intangible Assets | – | $6.76M | $6.73M | $6.75M | $6.75M |
| Bank-Owned Life Insurance | – | $124.31M | $123.48M | $123.27M | $123.27M |
| Foreclosed Assets | – | $3.52M | $3.35M | $3.07M | $3.07M |
| Federal Home Loan Bank Stock | – | $10.41M | $10.09M | $10.09M | $10.09M |
| Deferred Assets | – | $21.99M | $20.98M | $20.86M | $20.86M |
| Payables | – | $16.42M | $11.57M | $8.54M | $8.54M |
| -Accounts Payable | – | $16.42M | $11.57M | $8.54M | $8.54M |
| Capital Stock | – | $90.82M | $90.78M | $90.58M | $90.58M |
| -Common Stock | – | $90.82M | $90.78M | $90.58M | $90.58M |
| -Preferred Stock | – | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | – | $237.88M | $237.00M | $236.42M | $236.42M |
| Retained Earnings | – | $631.56M | $611.51M | $593.89M | $593.89M |
| Gains/Losses Not Affecting Retained Earnings | – | -$68.44M | -$68.04M | -$64.82M | -$64.82M |
| -Accumulated Depreciation | – | – | – | -$88.79M | -$88.79M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $44.09M | $39.48M | $104.99M | $14.94M | $37.54M |
| Net cash flow from continuing operations | $44.09M | $39.48M | $104.99M | $14.94M | $37.54M |
| Net Income from Continuing Operations | $29.62M | $27.19M | $98.06M | $27.28M | $23.91M |
| Gain/Loss from Continuing Operations | -$75,000.00 | -$33,000.00 | -$987,000.00 | -$655,000.00 | -$96,000.00 |
| Depreciation & Depletion & Amortization | $1.11M | $1.48M | $5.75M | $1.51M | $1.43M |
| Deferred Tax | -$875,000.00 | $947,000.00 | -$2.94M | -$1.20M | -$989,000.00 |
| Other Non-Cash Items | -$666,000.00 | -$1.51M | -$3.57M | -$684,000.00 | -$914,000.00 |
| Change in Working Capital | $12.06M | $7.56M | -$7.79M | -$15.15M | $8.81M |
| -Change in Receivables | -$229,000.00 | $366,000.00 | -$1.20M | -$825,000.00 | -$677,000.00 |
| -Change in Payables and Accrued Expense | $4.85M | $3.03M | $157,000.00 | -$10.66M | $4.06M |
| -Change in Other Current Assets | $6.74M | -$178,000.00 | -$10.29M | -$8.59M | -$131,000.00 |
| -Change in Other Current Liabilities | $695,000.00 | $4.34M | $3.54M | $4.92M | $5.55M |
| Net cash flow from investing | -$101.11M | -$70.22M | -$463.22M | -$177.06M | -$128.10M |
| Net Cash Flow from Continuing Investing Activities | -$101.11M | -$70.22M | -$463.22M | -$177.06M | -$128.10M |
| Net PPE Purchase and Sale | -$1.02M | -$1.55M | -$6.49M | -$887,000.00 | -$1.17M |
| Net Investment Purchase and Sale | $35.44M | $27.68M | -$22.83M | -$75.05M | -$30.95M |
| Net Income from Loans | -$135.21M | -$97.52M | -$417.64M | -$102.99M | -$95.09M |
| Net Other Investing Changes | -$321,000.00 | $1.17M | -$16.26M | $1.86M | -$891,000.00 |
| Financing Cash Flow | $212.71M | $25.72M | $352.41M | $18.18M | $202.89M |
| Net Cash Flow from Continuing Financing Activities | $212.71M | $25.72M | $352.41M | $18.18M | $202.89M |
| Change in Federal Funds and Securities Sold for Repurchase | -$1.63M | -$10.08M | $68.63M | $23.94M | $59.79M |
| Increase/Decrease in Deposit | $223.54M | $45.16M | $318.87M | $3.60M | $152.45M |
| Net Issuance Payments of Debt | -$122,000.00 | -$122,000.00 | -$436,000.00 | -$119,000.00 | -$113,000.00 |
| Net Common Stock Issuance | $502,000.00 | $325,000.00 | $1.32M | $303,000.00 | $289,000.00 |
| Cash Dividends Paid | -$9.58M | -$9.57M | -$35.98M | -$9.53M | -$9.52M |
| Ending Cash Balance | $514.35M | $358.66M | $363.68M | $363.68M | $507.62M |
| Net Change in Cash | $155.69M | -$5.03M | -$5.82M | -$143.94M | $112.33M |
| Beginning Cash Balance | $358.66M | $363.68M | $369.51M | $507.62M | $395.29M |
| Free Cash Flow | $43.07M | $37.93M | $97.39M | $12.96M | $36.35M |
| Proceeds Payment in Interest Bearing Deposits in Bank | – | – | $0.00 | – | – |
No comments yet — be the first to weigh in on CTBI.
Sign in to join the discussion.