arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

COMMUNITY TRUST BANCORP INC /KY/

CTBI

$77.67 ▼ -0.56 (-0.72%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

COMMUNITY TRUST BANCORP INC /KY/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.4B

Dividend Yield 2.57%

Revenue Growth 13.7% ↗

Op. Margin 45.0% ↗

ROIC None

FCF / Share None

Trailing P/E 14.3x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.44

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$282.60M

↑ +13.7% —

Net Income Profit after all expenses

$98.06M

↑ +18.4% —

Operating Margin Operating profit as % of sales

45.0%

↑ +4.8% 96th

Long-Term Debt Long-term obligations

$63.78M

— -0.4% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$2.00 Latest / share

+7.5% YoY

+4.9% 12-yr CAGR

$1.18

FY 2014

$1.22

FY 2015

$1.26

FY 2016

$1.30

FY 2017

$1.38

FY 2018

$1.48

FY 2019

$1.53

FY 2020

$1.57

FY 2021

$1.68

FY 2022

$1.80

FY 2023

$1.86

FY 2024

$2.00

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	8.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	2.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	1.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	1.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-162%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	9.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	9.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	—	—
EPS Growth YoY (%)	18.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	5.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-5.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	47.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	14.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	6.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-13.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	14.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	17.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	30.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	18.4% Good ↑ Good Improving Year-over-year change in net income	6.2% Fair ↓ Fair Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	-7.0% Weak ↓ Weak Declining Year-over-year change in net income	47.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-7.8% Weak ↓ Weak Declining Year-over-year change in net income	9.0% Fair → Fair Stable Year-over-year change in net income	15.0% Good ↑ Good Improving Year-over-year change in net income	8.8% Fair ↑ Fair Improving Year-over-year change in net income	2.0% Caution ↑ Caution Improving Year-over-year change in net income	7.4% Fair ↑ Fair Improving Year-over-year change in net income	-4.3% Weak ↓ Weak Declining Year-over-year change in net income	0.7% Caution ↓ Caution Declining Year-over-year change in net income	15.5% Good ↓ Good Declining Year-over-year change in net income	17.5% Good Good Year-over-year change in net income	31.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.7% Caution Caution Compound annual revenue growth over 3 years	6.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.3% Caution Caution Compound annual revenue growth over 5 years	3.8% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.2% Fair → Fair Stable Compound annual EPS growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.1% Good Good Compound annual EPS growth over 3 years	20.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	45.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	42.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	42.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	44.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	49.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	34.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	34.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	33.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	33.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	36.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	39.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	28.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	33.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	30.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	27.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	26.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	25.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	24.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	25.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	17.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	11.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	10.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.44x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.40x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.44x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.39x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.54x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.38x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.51x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.54x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.55x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.56x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.63x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$15.69	$13.85	$12.90	$12.73	$12.57	$11.58	$11.01	$10.97	$10.54	$10.34	$10.27	$10.22	$11.80	$11.52	$11.45	—	—	—
Basic EPS, GAAP (USD)	$5.44	$4.61	$4.36	$4.59	$4.94	$3.35	$3.64	$3.35	$2.92	$2.70	$2.66	$2.50	$2.90	$2.90	$2.54	$2.17	$1.66	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$2.00	$1.86	$1.80	$1.68	$1.57	$1.53	$1.48	$1.38	$1.30	$1.26	$1.22	$1.18	$1.27	$1.25	$1.23	$1.21	$1.20	—
Book Value per Share (USD)	$47.26	$41.95	$39.01	$35.05	$39.13	$36.77	$34.56	$31.81	$30.00	$28.40	$27.12	$25.64	$26.07	$25.64	$23.78	$22.08	—	—
Tangible Book Value per Share (USD)	$43.64	$38.33	$35.37	$31.40	$35.46	$33.09	$30.88	$28.12	$26.29	$24.68	$23.38	$21.89	$21.93	$21.45	$19.53	$17.81	—	—
Basic Weighted Avg Shares (shares)	18.01M	17.95M	17.89M	17.84M	17.79M	17.75M	17.72M	17.69M	17.63M	17.55M	17.43M	17.33M	15.60M	15.47M	15.31M	—	—	—
Dividend Payout Ratio (%)	36.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	46.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	45.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.8% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	72.3% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$63.78M	$64.02M	$64.24M	$57.84M	—	—	—	—	—	—	—	—	—	—	—	$61.34M	—	—
Total Equity (USD)	$856.07M	$757.58M	$702.21M	$628.05M	$698.20M	$654.87M	$614.89M	$564.15M	$530.70M	$500.62M	$475.58M	$447.88M	$412.49M	$400.34M	$366.87M	$338.64M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$282.60M	$248.56M	$230.77M	$227.02M	$223.54M	$205.55M	$195.07M	$194.11M	$185.91M	$181.46M	$179.06M	$177.15M	$183.99M	$178.09M	$175.29M	$160.18M	$146.93M	—
Depreciation Expense (USD)	$4.00M	$3.70M	$3.60M	$3.30M	$3.20M	$3.50M	$3.80M	$3.80M	$3.90M	$3.70M	$3.70M	$4.10M	$4.30M	$4.10M	$4.00M	—	—	—
Net Income, GAAP (USD)	$98.06M	$82.81M	$78.00M	$81.81M	$87.94M	$59.50M	$64.54M	$59.23M	$51.49M	$47.35M	$46.43M	$43.25M	$45.17M	$44.86M	$38.83M	$33.03M	$25.06M	—
Operating Cash Flow (USD)	$104.99M	$105.17M	$85.73M	$99.68M	$115.69M	$62.38M	$83.46M	$65.49M	$62.35M	$61.42M	—	—	$90.72M	$57.90M	$64.33M	$61.30M	$37.71M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.0%	3.0%	3.1%	3.0%	2.9%	3.3%	3.4%	3.3%	3.4%	3.4%	3.5%	3.8%	3.6%	3.7%	3.6%	—	—
Efficiency Ratio (%) (%)	50.6%	52.7%	54.3%	53.3%	53.4%	58.0%	60.6%	60.5%	59.1%	59.0%	58.9%	59.8%	59.9%	58.1%	60.7%	60.0%	63.8%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

COMMUNITY TRUST BANCORP INC /KY/

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare CTBI with peers