About Community Trust Bancorp, Inc.
https://www.ctbi.comCommunity Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts.
CEO
Mark A. Gooch
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2014-05-13 | Forward | 11:10 |
| 2004-11-29 | Forward | 11:10 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:510.56K
IWM
Weight:0.03%
Shares:396.11K
XSU.TO
Weight:0.03%
Shares:396.11K
Summary
Showing Top 3 of 134
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
Shares:525.2K
Value:$31.31M
BLACKROCK FUND ADVISORS
Shares:504.67K
Value:$30.08M
CLIFFORD CAPITAL PARTNERS LLC
Shares:283.41K
Value:$16.89M
Summary
Showing Top 3 of 87
About Community Trust Bancorp, Inc.
https://www.ctbi.comCommunity Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $104.51M ▲ | $36.74M ▲ | $23.91M ▼ | 22.88% ▼ | $1.33 ▼ | $32.32M ▼ |
| Q2-2025 | $101.74M ▲ | $35.66M ▲ | $24.9M ▲ | 24.47% ▲ | $1.38 ▲ | $33.88M ▲ |
| Q1-2025 | $96.95M ▼ | $34.21M ▲ | $21.97M ▼ | 22.66% ▼ | $1.22 ▼ | $29.78M ▼ |
| Q4-2024 | $98.14M ▲ | $33.77M ▲ | $22.49M ▲ | 22.92% ▼ | $1.25 ▲ | $30.57M ▲ |
| Q3-2024 | $95.38M | $32.51M | $22.14M | 23.22% | $1.23 | $28.85M |
What's going well?
Revenue continues to grow steadily, showing the business is holding up well. The company remains profitable, with a solid net margin and stable share count.
What's concerning?
Margins are shrinking as costs rise faster than revenue, and interest expense is a heavy drag on profits. Net income and EPS both slipped compared to last quarter.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $1.13B ▲ | $6.64B ▲ | $5.81B ▲ | $831.37M ▲ |
| Q2-2025 | $984.81M ▲ | $6.39B ▲ | $5.58B ▲ | $806.87M ▲ |
| Q1-2025 | $933.28M ▼ | $6.28B ▲ | $5.49B ▲ | $784.17M ▲ |
| Q4-2024 | $1.43B ▲ | $6.19B ▲ | $5.44B ▲ | $757.58M ▼ |
| Q3-2024 | $1.34B | $5.96B | $5.2B | $760.76M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $23.91M ▼ | $37.54M ▲ | $-128.1M ▼ | $202.89M ▲ | $112.33M ▲ | $36.35M ▲ |
| Q2-2025 | $24.9M ▲ | $15.93M ▼ | $-53.42M ▲ | $92.11M ▲ | $54.63M ▲ | $13.57M ▼ |
| Q1-2025 | $21.97M ▼ | $36.58M ▲ | $-104.64M ▲ | $39.22M ▼ | $-28.84M ▼ | $34.51M ▲ |
| Q4-2024 | $22.49M ▲ | $22.4M ▼ | $-124.37M ▼ | $230.53M ▲ | $128.56M ▲ | $19.37M ▼ |
| Q3-2024 | $22.14M | $36.69M | $-60.04M | $102.63M | $79.28M | $35.35M |
CEO
Mark A. Gooch
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2014-05-13 | Forward | 11:10 |
| 2004-11-29 | Forward | 11:10 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:510.56K
IWM
Weight:0.03%
Shares:396.11K
XSU.TO
Weight:0.03%
Shares:396.11K
Summary
Showing Top 3 of 134
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
Shares:525.2K
Value:$31.31M
BLACKROCK FUND ADVISORS
Shares:504.67K
Value:$30.08M
CLIFFORD CAPITAL PARTNERS LLC
Shares:283.41K
Value:$16.89M
Summary
Showing Top 3 of 87