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%
Community Trust Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Market Cap | $1.35B | $679.86M |
| Enterprise Value | $830.81M | $408.94M |
| PE Ratio | 12.40 | 12.00 |
| PS Ratio | 4.50 | 3.61 |
| PB Ratio | 1.51 | 1.18 |
| P/TBV Ratio | 1.63 | 1.41 |
| P/FCF Ratio | 10.32 | 10.93 |
| P/OCF Ratio | 9.89 | 10.04 |
Enterprise value
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| EV / Sales | 2.78 | 2.78 |
| EV / FCF | 6.38 | 8.25 |
Income (trailing twelve months)
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Revenue | $298.90M | $170.85M |
| Pretax Income | $139.95M | $70.12M |
| Net Income | $108.00M | $54.33M |
| EPS (Diluted) | $5.97 | $2.90 |
Margins
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 46.8% | 36.4% |
| Profit Margin | 36.1% | 29.1% |
| FCF Margin | 43.6% | 33.0% |
Returns
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.7% | 10.5% |
| Return on Assets (ROA) | 1.61% | 1.12% |
Growth
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 12.9% | 11.8% |
| Net Income Growth (YoY) | 18.0% | 23.1% |
| EPS Growth (YoY) | 17.5% | 22.7% |
| FCF Growth (YoY) | 26.7% | 27.1% |
| Revenue Growth (3Y CAGR) | 7.57% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.57% | 6.17% |
| EPS Growth (3Y CAGR) | 5.84% | 1.26% |
| EPS Growth (5Y CAGR) | 10.1% | 8.24% |
Balance sheet
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $514.35M | $205.54M |
| Net Cash (Debt) | $514.35M | $164.40M |
| Net Cash Per Share | $28.31 | $8.13 |
| Equity (Book Value) | $891.83M | $560.44M |
| Book Value Per Share | $49.09 | $28.47 |
| Tangible Book Value | $826.34M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $136.05M | $61.20M |
| Capital Expenditures | -$5.74M | -$4.02M |
| Free Cash Flow | $130.31M | $52.43M |
| FCF Per Share | $7.17 | $3.07 |
Efficiency
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $321.40K | $353.78K |
| Profits Per Employee | $116.13K | $107.28K |
| Employee Count | 930 | 489 |
Dividends and yields
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 8.03% | 8.07% |
| FCF Yield | 9.69% | 8.89% |
| Dividend Yield | 2.70% | 2.48% |
| Buyback Yield | -0.11% | 1.55% |
| Shareholder Yield | 2.60% | 3.13% |
| Dividend Per Share | $2.00 | $0.93 |
| Dividend Growth (YoY) | 7.53% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 35.4% | 29.4% |
| FCF Payout Ratio | 29.3% | 26.0% |
Shares
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 18,168,000 | 18,839,100 |
| Shares Change (YoY) | 0.33% | 0.39% |
| Shares Change (QoQ) | 0.04% | 0.00% |
| Float | 17,794,700 | 17,061,900 |
| Shares Held by Insiders | 2.05% | 5.89% |
| Shares Held by Institutions | 61.9% | 61.9% |
Taxes
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Income Tax | $31.94M | $14.50M |
| Effective Tax Rate | 22.8% | 21.1% |
Scores
| Measure | Community Trust Bancorp | Industry median |
|---|---|---|
| Graham Number | $81.20 | $45.31 |
| Graham Upside | 9.67% | 21.6% |
| Altman Z-Score | 0.30 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Community Trust Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.