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Community Trust Bancorp Inc

Community Trust Bancorp Inc

CTBI · NASDAQ · Financial Services / Banks - Regional

70.18USD+0.09 (+0.13%)

Price History

Full chart

Market Stats

Previous Close70.09
Open70.58
Day Range69.62 – 70.58
52-Week Range48.58 – 79.25
Volume58.30K
Market Cap1.37B
P/E (TTM)12.44
Forward P/E11.22
EPS6.05
Dividend Yield3.50%
Beta0.55
50-Day Avg76.92
200-Day Avg67.05

About

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term 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; consumer loans; hotel/motel loans; and other commercial 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 and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Mark A. Gooch
  • Employees970
  • Headquarters346 North Mayo Trail, Pikeville, KY, United States, 41502, USA
  • Websitehttps://www.ctbi.com

Leadership

  • Mr. Mark A. GoochCEO, Chairman & President · b. 1959
  • Mr. Kevin J. Stumbo C.P.A.Executive VP, CFO & Treasurer · b. 1960
  • Mr. Charles Wayne Hancock IISecretary, Executive VP & Corporate Counsel · b. 1975
  • Mr. Richard W. NewsomExecutive VP & Director · b. 1954
  • Mr. Ricky D. SparkmanExecutive Vice President · b. 1962
  • Mr. Thomas E. McCoyExecutive Vice President · b. 1969
  • Mr. David Andrew JonesExecutive Vice President · b. 1963
  • Mr. Andy D. WatersExecutive Vice President · b. 1965
  • Mr. David I. TackettExecutive Vice President · b. 1965
  • Ms. Billie J. DollinsExecutive Vice President · b. 1960

Financials

Income Statement

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-115.90M112.40M108.60M108.10M142.10M158.90M169.00M180.10M184.54M195.28M200.61M174.48M164.89M164.32M193.63M221.86M233.47M203.89M194.47M195.44M202.29M199.68M197.43M188.95M190.83M195.02M204.20M223.40M235.58M231.00M238.63M255.66M326.31M376.01M409.34M
Growth (%)---3.02%-3.38%-0.46%+31.45%+11.82%+6.36%+6.57%+2.47%+5.82%+2.73%-13.03%-5.50%-0.34%+17.84%+14.58%+5.23%-12.67%-4.62%+0.50%+3.51%-1.29%-1.13%-4.30%+1.00%+2.19%+4.71%+9.40%+5.45%-1.94%+3.30%+7.13%+27.63%+15.23%+8.86%
Cost of Revenue-69.80M56.40M47.30M49.50M70.90M76.40M85.30M100.00M88.84M100.73M102.90M67.38M53.23M45.84M65.24M85.84M97.37M75.43M65.01M51.74M40.27M31.04M22.01M20.55M20.42M21.43M25.82M35.46M45.33M41.50M8.70M33.55M102.35M138.40M136.27M
Gross Profit-46.10M56.00M61.30M58.60M71.20M82.50M83.70M80.10M95.70M94.54M97.71M107.10M111.66M118.48M128.39M136.02M136.10M128.47M129.46M143.70M162.03M168.64M175.42M168.40M170.41M173.59M178.39M187.94M190.25M189.50M229.93M222.11M223.96M237.61M273.07M
Gross Margin-39.78%49.82%56.45%54.21%50.11%51.92%49.53%44.48%51.86%48.42%48.71%61.38%67.72%72.10%66.31%61.31%58.29%63.01%66.57%73.53%80.09%84.46%88.85%89.12%89.30%89.01%87.36%84.13%80.76%82.04%96.35%86.88%68.63%63.19%66.71%
Operating Expense-36.20M39.30M42.60M49.00M55.80M55.20M59.80M62.20M64.39M61.93M64.94M67.34M70.73M74.59M78.57M80.41M83.06M97.05M93.80M96.05M106.39M103.55M110.25M106.00M105.44M107.13M109.88M117.40M118.26M119.24M119.28M121.07M125.39M130.92M145.97M
Operating Income7.80M9.90M16.70M18.70M9.60M15.40M27.30M23.90M17.90M31.31M32.62M32.77M39.76M40.92M43.89M49.82M55.61M53.05M31.42M35.66M47.65M55.64M65.09M65.17M62.40M64.96M66.46M68.51M70.54M71.99M70.27M110.64M101.04M98.57M106.69M127.09M
Operating Margin-8.54%14.86%17.22%8.88%10.84%17.18%14.14%9.94%16.97%16.70%16.33%22.79%24.82%26.71%25.73%25.07%22.72%15.41%18.34%24.38%27.50%32.60%33.01%33.02%34.04%34.08%33.55%31.58%30.56%30.42%46.37%39.52%30.21%28.37%31.05%
EBITDA7.80M12.40M20.20M23.00M10.90M19.80M32.20M29.00M23.60M38.96M39.96M39.93M44.84M46.78M49.61M56.64M62.39M58.71M36.53M40.90M52.02M59.85M69.41M69.73M66.71M68.89M70.37M72.52M74.33M77.51M75.61M115.68M106.26M103.92M111.69M131.34M
EBITDA Margin-10.70%17.97%21.18%10.08%13.93%20.26%17.16%13.10%21.11%20.46%19.90%25.70%28.37%30.19%29.25%28.12%25.15%17.91%21.03%26.62%29.59%34.76%35.32%35.31%36.10%36.08%35.51%33.27%32.90%32.73%48.47%41.56%31.85%29.70%32.09%
Net Income7.80M8.20M12.00M13.60M7.50M10.80M18.80M19.10M14.00M21.84M22.35M22.27M27.60M28.89M30.95M34.41M39.06M36.63M23.07M25.06M33.03M38.83M44.86M45.17M43.25M46.43M47.35M51.49M59.23M64.54M59.50M87.94M81.81M78.00M82.81M98.06M
Net Income Margin-7.08%10.68%12.52%6.94%7.60%11.83%11.30%7.77%11.84%11.44%11.10%15.82%17.52%18.84%17.77%17.61%15.69%11.32%12.89%16.90%19.19%22.47%22.88%22.89%24.33%24.28%25.22%26.51%27.40%25.76%36.85%32.00%23.90%22.02%23.96%
R&D---------------------00000000-------
R&D as % of Total Revenue---------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense063.30M49.80M43.70M44.60M65.00M69.10M74.10M84.00M79.74M91.52M93.72M57.29M43.90M37.19M56.96M81.54M90.83M63.97M47.54M35.26M27.00M21.59M13.44M11.80M11.77M13.55M18.29M29.30M40.51M25.45M15.09M28.64M95.54M127.45M126.74M
Interest Expense % of Total Revenue-54.62%44.31%40.24%41.26%45.74%43.49%43.85%46.64%43.21%46.86%46.72%32.84%26.62%22.63%29.42%36.75%38.90%31.38%24.45%18.04%13.35%10.81%6.81%6.24%6.17%6.95%8.96%13.11%17.20%11.02%6.32%11.20%29.28%33.90%30.96%

Balance Sheet

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-1.24B1.28B1.35B1.40B1.73B1.82B1.85B2.25B2.18B2.26B2.50B2.49B2.47B2.71B2.85B2.97B2.90B2.95B3.09B3.36B3.59B3.64B3.58B3.72B3.90B3.93B4.14B4.20B4.37B5.14B5.42B5.38B5.77B6.19B6.68B
Total Liabilities-1.16B1.20B1.26B1.29B1.60B1.67B1.69B2.08B2.00B2.08B2.31B2.28B2.25B2.47B2.60B2.69B2.60B2.65B2.77B3.02B3.22B3.24B3.17B3.28B3.43B3.43B3.61B3.64B3.75B4.48B4.72B4.75B5.07B5.44B5.83B
Total Equity-76.10M86.40M96.30M105.00M133.80M144.80M158.00M164.80M172.42M181.90M191.61M209.42M221.39M236.17M253.94M282.38M301.36M308.21M321.46M338.64M366.87M400.34M412.49M447.88M475.58M500.62M530.70M564.15M614.89M654.87M698.20M628.05M702.21M757.58M856.07M
Cash-99.20M100.80M103.60M74.30M107.00M63.90M61.40M233.10M107.46M72.72M96.17M92.95M79.91M78.72M91.07M95.44M105.21M95.10M94.53M132.65M247.66M73.45M64.83M108.78M190.65M48.60M47.53M64.63M58.68M54.25M46.56M128.93M271.64M369.75M62.85M
Total Debt-77.70M99.30M132.70M125.80M111.80M174.70M302.50M148.60M116.22M120.34M140.05M134.65M167.99M314.54M453.65M320.16M279.59M290.98M274.69M280.53M326.33M73.66M73.81M368.74M417.22M317.33M310.88M293.25M294.43M415.61M330.65M291.75M306.71M320.19M389.79M
Net Debt--21.50M-1.50M29.10M51.50M4.80M110.80M241.10M-84.50M8.77M47.61M43.88M41.70M88.08M235.81M362.59M224.72M174.38M195.98M180.15M147.89M78.68M-10.68M-2.20M259.96M226.57M13.68M12.66M-4.86M-43.49M-40.28M-33.55M162.82M35.07M-49.56M326.94M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow15.20M71.20M46.10M25.20M20.40M-40.00M105.30M29.60M50.15M72.53M144.06M198.43M37.30M52.55M41.33M55.48M51.00M54.76M37.69M61.30M64.33M57.90M90.72M57.53M54.98M61.42M62.35M65.49M83.46M62.38M115.69M99.68M85.73M105.17M104.99M
Investing Cash Flow-56.00M-102.20M-97.70M-93.40M-28.10M-72.80M-123.50M-125.60M-88.26M-64.74M-321.26M-217.32M-49.43M-219.38M-78.04M-91.64M37.32M-83.46M-134.30M-111.80M-172.29M-70.96M-122.05M-144.08M-108.35M-86.11M-186.59M-100.59M-34.49M-693.53M-358.62M-280.01M-226.60M-335.67M-463.22M
Financing Cash Flow57.90M32.70M54.40M38.90M17.10M69.70M15.70M-28.90M-87.56M54.47M217.28M-48.70M-41.11M207.45M29.34M71.48M-108.60M32.43M97.86M67.35M187.47M-17.85M-69.59M85.42M135.46M-18.21M154.79M1.28M74.27M704.70M216.45M-2.75M283.58M328.61M352.41M
Capital Expenditure4.70M2.10M6.90M5.20M4.80M3.10M5.10M6.10M1.77M1.74M6.40M3.54M3.06M7.00M5.29M2.82M2.74M3.31M4.19M2.43M3.12M4.30M2.10M2.08M2.25M3.50M2.40M2.83M2.57M1.48M2.37M6.22M6.32M8.08M7.60M
Free Cash Flow10.50M69.10M39.20M20.00M15.60M-43.10M100.20M23.50M48.37M70.79M137.65M194.89M34.23M45.55M36.04M52.66M48.26M51.59M33.50M58.65M61.21M53.59M88.61M55.45M52.73M57.93M59.95M62.66M80.89M60.90M113.32M93.47M79.41M97.09M97.39M
Dividends Paid3.20M3.50M3.70M4.50M5.40M6.60M7.30M8.10M10.62M9.10M9.30M9.77M11.05M12.38M14.28M15.66M16.36M17.40M18.12M18.33M18.74M19.21M24.55M20.57M21.33M22.19M22.98M24.39M26.23M27.14M27.92M29.94M32.19M33.41M35.98M
FCF to OCF69.08%97.05%85.03%79.37%76.47%107.75%95.16%79.39%96.46%97.61%95.56%98.21%91.78%86.67%87.20%94.92%94.63%94.21%88.87%95.68%95.16%92.57%97.68%96.38%95.91%94.31%96.15%95.68%96.92%97.62%97.95%93.76%92.63%92.32%92.76%
Dividend Paid to FCF30.48%5.07%9.44%22.50%34.62%-15.31%7.29%34.47%21.96%12.85%6.75%5.01%32.29%27.19%39.63%29.73%33.91%33.73%54.11%31.26%30.62%35.85%27.70%37.10%40.45%38.31%38.33%38.94%32.43%44.57%24.63%32.03%40.53%34.41%36.95%

Earnings

Report DateJul 23, 1996Oct 23, 1996Jan 13, 1997Apr 24, 1997Jul 14, 1997Oct 14, 1997Jan 15, 1998Apr 17, 1998Jul 20, 1998Oct 15, 1998Jan 14, 1999Apr 14, 1999Jul 13, 1999Oct 13, 1999Jan 12, 2000Apr 12, 2000Jul 13, 2000Oct 16, 2000Jan 17, 2001Apr 16, 2001Jul 16, 2001Oct 17, 2001Jan 15, 2002Apr 16, 2002Jul 17, 2002Oct 16, 2002Jan 15, 2003Apr 16, 2003Jul 16, 2003Oct 15, 2003Jan 14, 2004Apr 14, 2004Jul 14, 2004Oct 13, 2004Jan 19, 2005Apr 13, 2005Jul 13, 2005Oct 18, 2005Jan 18, 2006Apr 18, 2006Jul 18, 2006Oct 17, 2006Jan 17, 2007Apr 17, 2007Jul 17, 2007Oct 16, 2007Jan 16, 2008Apr 16, 2008Jul 16, 2008Oct 15, 2008Jan 21, 2009Apr 15, 2009Jul 15, 2009Oct 21, 2009Jan 20, 2010Apr 21, 2010Jul 21, 2010Oct 20, 2010Jan 19, 2011Apr 20, 2011Jul 20, 2011Oct 19, 2011Jan 18, 2012Apr 18, 2012Jul 18, 2012Oct 17, 2012Jan 16, 2013Apr 17, 2013Jul 17, 2013Oct 16, 2013Jan 15, 2014Apr 16, 2014Jul 16, 2014Oct 15, 2014Jan 21, 2015Apr 15, 2015Jul 15, 2015Oct 21, 2015Jan 20, 2016Apr 20, 2016Jul 20, 2016Oct 19, 2016Jan 18, 2017Apr 19, 2017Jul 19, 2017Oct 18, 2017Jan 17, 2018Apr 18, 2018Jul 18, 2018Oct 17, 2018Jan 16, 2019Apr 17, 2019Jul 17, 2019Oct 16, 2019Jan 22, 2020Apr 22, 2020Jul 15, 2020Oct 21, 2020Jan 20, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 19, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 18, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 17, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 15, 2025Apr 16, 2025Jul 16, 2025Oct 15, 2025Jan 21, 2026Apr 15, 2026Jul 15, 2026Oct 21, 2026
EPS Estimate0.230.280.260.280.280.270.270.230.250.250.270.290.290.310.320.300.310.320.300.320.330.350.360.360.370.390.380.420.390.420.430.440.450.460.480.480.500.510.550.530.550.580.570.550.570.570.550.530.520.500.350.350.350.410.330.350.430.450.420.450.520.550.580.570.600.630.610.620.670.670.700.680.630.690.690.610.650.680.650.630.680.690.700.650.680.720.750.790.830.840.880.810.850.840.830.590.380.600.921.001.111.161.070.961.111.161.231.121.061.011.080.981.031.151.201.191.261.381.431.391.521.65
EPS Actual0.270.280.280.250.250.250.140.230.240.040.270.290.300.310.320.290.330.330.330.310.350.310.350.380.380.420.420.430.430.440.450.440.470.480.470.480.510.550.530.580.590.580.560.470.520.620.550.520.520.530.390.440.350.340.420.410.510.500.550.550.530.640.580.700.720.600.620.690.690.740.500.580.700.630.570.630.710.640.680.660.660.700.670.640.650.780.720.890.820.910.890.841.030.860.900.371.110.980.891.331.341.191.081.111.141.081.261.081.081.151.041.041.091.231.251.221.381.321.511.501.64-
Surprise17.39%0.00%7.69%-10.71%-10.71%-7.41%-48.15%0.00%-4.00%-84.00%0.00%0.00%3.45%0.00%0.00%-3.33%6.45%3.13%10.00%-3.13%6.06%-11.43%-2.78%5.56%2.70%7.69%10.53%2.38%10.26%4.76%4.65%0.00%4.44%4.35%-2.08%0.00%2.00%7.84%-3.64%9.43%7.27%0.00%-1.75%-14.55%-8.77%8.77%0.00%-1.89%0.00%6.00%11.43%25.71%0.00%-17.07%27.27%17.14%18.60%11.11%30.95%22.22%1.92%16.36%0.00%22.81%20.00%-4.76%1.64%11.29%2.99%10.45%-28.57%-14.71%11.11%-8.70%-17.39%3.28%9.23%-5.88%4.62%4.76%-2.94%1.45%-4.29%-1.54%-4.41%8.33%-4.00%12.66%-1.20%8.33%1.14%3.70%21.18%2.38%8.43%-37.29%192.11%63.33%-3.26%33.00%20.72%2.59%0.93%15.63%2.70%-6.90%2.44%-3.57%1.89%13.86%-3.70%6.12%5.83%6.96%4.17%2.52%9.52%-4.35%5.59%7.91%7.89%-
Timing---Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-------After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-market-Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.37B
Enterprise Value1.67B
Trailing P/E12.44
Forward P/E11.22
PEG Ratio1.03
Price / Sales4.77
Price / Book1.55
EPS6.05
Book Value49.10
Revenue (TTM)287.05M
Gross Profit (TTM)287.05M
Profit Margin37.63%
Operating Margin52.09%
Return on Equity12.72%
Return on Assets1.61%
Shares Outstanding18.17M
Shares Float16.69M
Beta0.55
Dividend Yield3.50%
Dividend Rate2.60
Payout Ratio37.52%

Analyst Ratings

Strong Buy
Based on 2 analystsTarget 81.33
  • Strong Buy
    1
  • Buy
    1

Ownership Breakdown

Institutions
63.15%
Insiders
1.35%
Retail / Other
35.50%

Top Institutional Holders

  • BlackRock Inc
    1.63M8.95%
  • Dimensional Fund Advisors, Inc.
    1.19M6.54%
  • Community Trust & Investment Co
    1.00M5.53%
  • Vanguard Capital Management, LLC
    690.95K3.80%
  • American Century Companies Inc
    574.53K3.16%
  • State Street Corp
    497.17K2.74%
  • Geode Capital Management, LLC
    433.80K2.39%
  • Lone Peak Global Investors, LLC
    300.50K1.65%
  • Northern Trust Corp
    286.14K1.57%
  • The Goldman Sachs Group Inc
    285.02K1.57%
  • LSV Asset Management
    266.18K1.47%
  • HHG PLC
    192.41K1.06%
  • Heartland Advisors Inc
    164.21K0.90%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    510.29K2.81%
  • Vanguard MStar Total Stk Mkt Idx Invest
    496.71K2.73%
  • iShares Russell 2000 ETF
    428.26K2.36%
  • Janus Henderson Small Cap Value L
    199.62K1.10%
  • DFA US Small Cap Value I
    189.92K1.05%
  • Fidelity Small Cap Index
    176.87K0.97%
  • DFA US Targeted Value I
    161.47K0.89%

Dividends

20263×
0.65Sep 15, 20260.53Jun 15, 20260.53Mar 13, 2026
20254×
0.53Dec 15, 20250.53Sep 15, 20250.47Jun 13, 20250.47Mar 14, 2025
20244×
0.47Dec 13, 20240.47Sep 13, 20240.46Jun 14, 20240.46Mar 14, 2024
20234×
0.46Dec 14, 20230.46Sep 14, 20230.44Jun 14, 20230.44Mar 14, 2023
20224×
0.44Dec 14, 20220.44Sep 14, 20220.40Jun 14, 20220.40Mar 14, 2022
20214×
0.40Dec 14, 20210.40Sep 14, 20210.39Jun 14, 20210.39Mar 12, 2021
20201×
0.39Dec 14, 2020

Stock Splits

  • May 13, 201411:10
  • Nov 29, 200411:10
  • Nov 26, 200311:10
  • Nov 26, 200211:10
  • Mar 16, 200011:10
  • Mar 17, 199911:10
  • Mar 12, 199711:10
  • Feb 2, 19943:2
  • May 4, 19923:2