CTBINasdaqState Commercial BanksFiscal year ends December 31
COMMUNITY TRUST BANCORP INC /KY/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$74.04−1.04 (-1.39%)
Close on Oct 19, 2026
- Market cap
- $1.34B
- P/E (TTM)
- 12.4
- Dividend yield
- 2.70%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
34.7%+5.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +13.7% | +7.6% | +6.6% | +4.7% | |
| Net income | +18.4% | +6.2% | +10.5% | +7.8% | |
| EPS, diluted | +17.8% | +5.8% | +10.1% | +7.4% | |
| Free cash flow | +0.1% | +1.4% | +9.8% | +6.3% | |
| Dividend per share | +7.5% | +6.0% | +5.5% | +5.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.7% | 9.4% | 12.2% | |
| Return on assets | 1.2% | 1.3% | 1.5% | |
| Capex to revenue | 1.9% | 0.7% | 2.7% | |
| Diluted shares | 18M | 18M | 18M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Community Trust Bancorp generated $511.55M from operations and spent $190.02M on capital expenditure, dividends and share buybacks. 16% of that went back into the business.
Generated
$511.55M
Used
$190.02M
Capital expenditure$30.59M16%Dividends$159.43M84%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin34.7%
×Asset turnover0.04×
×Equity multiplier7.98×
=Return on equity, FY202512.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 34.7% | 0.04× | 7.98× | 12.2% |
| FY2024 | 33.3% | 0.04× | 8.19× | 11.3% |
| FY2023 | 33.8% | 0.04× | 8.38× | 11.7% |
| FY2022 | 36.0% | 0.04× | 8.14× | 12.3% |
| FY2021 | 39.3% | 0.04× | 7.80× | 13.0% |
| FY2020 | 28.9% | 0.04× | 7.49× | 9.4% |
| FY2019 | 33.1% | 0.05× | 7.27× | 10.9% |
| FY2018 | 30.5% | 0.05× | 7.62× | 10.8% |
| FY2017 | 27.7% | 0.05× | 7.82× | 10.0% |
| FY2016 | 26.1% | 0.05× | 8.03× | 9.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$98.06M
- Cash generatingOperating cash flow above zero$104.99M
- Return on assets improvedROA up on the prior year1.4% → 1.6%
- Earnings backed by cashOperating cash flow above net income$104.99M vs $98.06M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise18M → 18M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05