Community Trust Bancorp, Inc.
NASDAQ•CTBI
CEO: Mr. Mark A. Gooch CTB
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1987-12-29
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that engages in the provision of commercial and personal banking, and trust and wealth management services to small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia, and northeastern Tennessee. The company accepts time and demand deposits, checking accounts, 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; and consumer 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. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.
Contact Information
Market Cap
$1.18B
P/E (TTM)
11.4
21.6
Dividend Yield
3.2%
52W High
$68.72
52W Low
$48.57
52W Range
Rank43Top 50.7%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$103.17M+0.00%
4-Quarter Trend
EPS
$1.51+0.00%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Record Net Income Achieved Net income reached a record $98.1M in 2025, growing 18.4% year-over-year, driven by strong net interest income growth.
Net Interest Margin Expanded NII increased 17.7% to $219.0M as the fully tax equivalent NIM rose 26 basis points to 3.62%.
Nonperforming Loans Decreased Total nonperforming loans fell 28.2% to $19.2M, significantly improving ACL coverage ratio to 314.0%.
Loan Portfolio Expanded Total loans grew 9.1% to $4.9B, supported by 13.0% growth in shareholders' equity to $856.1M.
Risk Factors
Local Economic Conditions Risk Profitability depends heavily on local economies in KY, WV, and TN; weakness depresses loan demand and collateral values.
Rising Net Charge-Offs Net charge-offs increased to $7.4M (0.16% of average loans), indicating slight deterioration in credit quality metrics YoY.
Cybersecurity and Vendor Risk Operations rely heavily on IT systems; breaches or third-party vendor failures could cause significant disruption and liability.
Outlook
Targeting Higher 2026 Performance Management set 2026 goals targeting Net Income of $105.1M–$109.3M and EPS of $5.78–$6.02.
Managing Interest Rate Exposure Actively managing balance sheet to limit exposure to long-term fixed-rate instruments via asset sales procedures.
Maintaining Strong Capital Levels CTBI's CBLR ratio of 13.64% provides substantial buffer above the 9.00% regulatory minimum requirement.
Peer Comparison
Revenue (TTM)
$415.55M
$378.02M
Gross Margin (Latest Quarter)
69.7%
58.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CTBI | $1.18B | 11.4 | 12.3% | 5.6% |
| WASH | $598.45M | 11.2 | 9.8% | 9.9% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.5%
Moderate Growth
4Q Net Income CAGR
3.0%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Jul 15, 2026
EPS:$1.52
|Revenue:$77.00M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data