Symbols / CTBI Stock $65.22 +0.99% Community Trust Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
CTBI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
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.

Stock Fundamentals
Scroll to Statements
Market Cap 1.18B Enterprise Value 1.46B Income 103.28M Sales 279.45M Book/sh 47.99 Cash/sh 5.04
Dividend Yield 3.28% Payout 36.08% Employees 974 IPO — P/E 11.42 Forward P/E 10.45
PEG 1.03 P/S 4.24 P/B 1.36 P/C — EV/EBITDA — EV/Sales 5.22
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 5.71 EPS next Y 6.24
EPS Growth 23.00% Revenue Growth 14.80% Earnings 2026-04-15 ROA 1.59% ROE 12.48% ROIC —
Gross Margin 0.00% Oper. Margin 50.21% Profit Margin 36.96% Shs Outstand 18.16M Shs Float 15.60M Short Float 1.55%
Short Ratio 2.78 Short Interest — 52W High 68.72 52W Low 48.30 Beta 0.55 Avg Volume 88.25K
Volume 22.82K Target Price $72.50 Recom Strong_buy Prev Close $64.58 Price $65.22 Change 0.99%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$72.50
Mean price target
2. Current target
$65.22
Latest analyst target
3. DCF / Fair value
$85.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$65.22
Low
$72.00
High
$73.00
Mean
$72.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-07-17 reit Raymond James Outperform → Outperform $63
2025-04-17 main Piper Sandler Overweight → Overweight $56
2025-04-02 main Raymond James Outperform → Outperform $58
2024-03-27 init Janney Montgomery Scott — → Buy —
2024-02-16 init Piper Sandler — → Overweight $47
2020-12-09 up Piper Sandler Neutral → Overweight —
2020-09-30 main Piper Sandler — → Neutral $32
2020-03-02 main Piper Sandler — → Neutral $42
2017-02-27 down Hilliard Lyons Neutral → Underperform —
2015-07-16 main Keefe, Bruyette & Woods — → Market Perform $37
2015-01-22 down Piper Sandler Buy → Hold —
2015-01-22 main Keefe, Bruyette & Woods — → Market Perform $36
News
RSS: Latest CTBI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 SPARKMAN RICKY D Officer — 84 $58.50 $4,914
2026-01-27 JONES DAVID ANDREW Officer — 809 $0.00 $0
2026-01-27 WATERS ANDY D Officer — 821 $0.00 $0
2026-01-27 HANCOCK CHARLES WAYNE II Officer — 886 $0.00 $0
2026-01-27 TACKETT DAVID I Officer — 701 $0.00 $0
2026-01-27 DOLLINS BILLIE J. Officer — 667 $0.00 $0
2026-01-27 SMITH MARK EDWARD Officer — 667 $0.00 $0
2026-01-27 MCCOY THOMAS E Officer — 616 $0.00 $0
2026-01-27 GOOCH MARK A Chief Executive Officer — 2,481 $0.00 $0
2026-01-27 SPARKMAN RICKY D Officer — 898 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
282.60
+13.69%
248.56
+7.71%
230.77
+1.65%
227.02
Operating Revenue
282.60
+13.69%
248.56
+7.71%
230.77
+1.65%
227.02
Selling General And Administration
91.47
+7.43%
85.14
+7.22%
79.41
+3.21%
76.94
Selling And Marketing Expense
3.17
+1.18%
3.13
-2.61%
3.21
+6.96%
3.00
General And Administrative Expense
88.30
+7.67%
82.01
+7.64%
76.19
+3.05%
73.94
Salaries And Wages
85.48
+7.62%
79.43
+7.75%
73.71
+1.68%
72.49
Other Gand A
—
—
—
—
Reconciled Depreciation
5.75
+14.99%
5.00
-6.50%
5.35
+2.53%
5.22
Net Income
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Pretax Income
127.09
+19.13%
106.69
+8.24%
98.57
-2.45%
101.04
Net Interest Income
218.98
+17.73%
186.00
+7.44%
173.11
+2.37%
169.10
Interest Expense
126.74
-0.55%
127.45
+33.40%
95.54
+233.59%
28.64
Interest Income
345.72
+10.30%
313.44
+16.67%
268.65
+35.86%
197.74
Gain On Sale Of Security
0.38
-40.57%
0.63
-36.65%
1.00
+692.86%
-0.17
Tax Provision
29.03
+21.62%
23.87
+16.09%
20.56
+6.95%
19.23
Tax Rate For Calcs
0.00
+2.06%
0.00
+7.29%
0.00
+9.62%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Net Income From Continuing Operation Net Minority Interest
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Net Income From Continuing And Discontinued Operation
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Net Income Continuous Operations
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Normalized Income
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Net Income Common Stockholders
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Diluted EPS
—
4.61
+5.73%
4.36
-4.80%
4.58
Basic EPS
—
4.61
+5.73%
4.36
-5.01%
4.59
Basic Average Shares
—
17.95
+0.35%
17.89
+0.29%
17.84
Diluted Average Shares
—
17.98
+0.43%
17.90
+0.27%
17.85
Diluted NI Availto Com Stockholders
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Insurance And Claims
2.83
+9.24%
2.59
+4.15%
2.48
+71.60%
1.45
Occupancy And Equipment
13.25
+8.54%
12.20
+3.05%
11.84
+6.86%
11.08
Other Non Interest Expense
34.06
+14.67%
29.70
-3.53%
30.79
+3.97%
29.61
Professional Expense And Contract Services Expense
4.29
+10.77%
3.87
+15.61%
3.35
-2.45%
3.43
Securities Amortization
—
—
2.64
-7.54%
2.85
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,684.14
+7.93%
6,193.24
+7.34%
5,769.70
+7.24%
5,380.32
Cash And Cash Equivalents
363.93
-1.57%
369.75
+36.12%
271.64
+110.69%
128.93
Cash Financial
62.85
-13.93%
73.02
+24.12%
58.83
+14.67%
51.31
Other Short Term Investments
205.72
+2.69%
200.33
-82.79%
1,163.72
-7.36%
1,256.23
Receivables
25.96
+4.84%
24.76
+5.02%
23.57
+20.33%
19.59
Accounts Receivable
25.96
+4.84%
24.76
+5.02%
23.57
+20.33%
19.59
Net PPE
68.04
+6.29%
64.02
+4.92%
61.01
+2.19%
59.70
Gross PPE
156.83
+3.10%
152.12
+4.21%
145.97
-0.92%
147.33
Accumulated Depreciation
-88.79
-0.78%
-88.10
-3.70%
-84.96
+3.04%
-87.63
Land And Improvements
89.68
+0.92%
88.86
+7.15%
82.93
+1.95%
81.34
Machinery Furniture Equipment
42.88
+3.55%
41.41
+4.33%
39.70
-8.81%
43.53
Construction In Progress
3.71
+55.18%
2.39
-14.27%
2.79
+373.68%
0.59
Other Properties
15.43
+7.29%
14.38
-8.39%
15.70
-8.01%
17.07
Leases
5.13
+1.18%
5.07
+4.32%
4.86
+1.27%
4.80
Goodwill And Other Intangible Assets
72.24
-0.83%
72.85
-0.42%
73.16
-1.09%
73.96
Goodwill
65.49
+0.00%
65.49
+0.00%
65.49
+0.00%
65.49
Other Intangible Assets
6.75
-8.24%
7.36
-4.02%
7.67
-9.48%
8.47
Investments And Advances
209.87
+2.82%
204.11
-82.51%
1,166.88
-7.27%
1,258.39
Total Liabilities Net Minority Interest
5,828.07
+7.22%
5,435.66
+7.27%
5,067.49
+6.63%
4,752.27
Payables And Accrued Expenses
8.54
+1.87%
8.38
+13.38%
7.39
+230.31%
2.24
Payables
8.54
+1.87%
8.38
+13.38%
7.39
+230.31%
2.24
Accounts Payable
8.54
+1.87%
8.38
+13.38%
7.39
+230.31%
2.24
Long Term Debt And Capital Lease Obligation
80.49
+1.22%
79.52
-1.79%
80.97
+6.78%
75.82
Long Term Debt
64.08
-0.39%
64.33
-0.38%
64.58
+10.96%
58.20
Long Term Capital Lease Obligation
16.42
+8.08%
15.19
-7.34%
16.39
-7.01%
17.63
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
856.07
+13.00%
757.58
+7.89%
702.21
+11.81%
628.05
Common Stock Equity
856.07
+13.00%
757.58
+7.89%
702.21
+11.81%
628.05
Capital Stock
90.58
+0.32%
90.29
+0.32%
90.00
+0.46%
89.59
Common Stock
90.58
+0.32%
90.29
+0.32%
90.00
+0.46%
89.59
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
18.12
+0.32%
18.06
+0.32%
18.00
+0.46%
17.92
Ordinary Shares Number
18.12
+0.32%
18.06
+0.32%
18.00
+0.46%
17.92
Additional Paid In Capital
236.42
+1.12%
233.80
+1.16%
231.13
+0.92%
229.01
Retained Earnings
593.89
+11.66%
531.86
+9.80%
484.40
+10.44%
438.60
Gains Losses Not Affecting Retained Earnings
-64.82
+34.11%
-98.37
+4.79%
-103.32
+20.00%
-129.15
Other Equity Adjustments
-64.82
+34.11%
-98.37
+4.79%
-103.32
+20.00%
-129.15
Total Equity Gross Minority Interest
856.07
+13.00%
757.58
+7.89%
702.21
+11.81%
628.05
Total Capitalization
920.15
+11.95%
821.91
+7.19%
766.78
+11.74%
686.24
Invested Capital
920.15
+11.95%
821.91
+7.19%
766.78
+11.74%
686.24
Total Debt
80.49
+1.22%
79.52
-1.79%
80.97
+6.78%
75.82
Capital Lease Obligations
16.42
+8.08%
15.19
-7.34%
16.39
-7.01%
17.63
Net Tangible Assets
783.83
+14.47%
684.74
+8.85%
629.05
+13.53%
554.09
Tangible Book Value
783.83
+14.47%
684.74
+8.85%
629.05
+13.53%
554.09
Available For Sale Securities
4.15
+9.87%
3.78
+19.73%
3.16
+45.80%
2.17
Cash Cash Equivalents And Federal Funds Sold
363.93
-1.57%
369.75
+36.12%
271.64
+110.69%
128.93
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
104.99
-0.32%
105.33
+22.69%
85.85
-13.88%
99.68
Cash Flow From Continuing Operating Activities
104.99
-0.32%
105.33
+22.69%
85.85
-13.88%
99.68
Net Income From Continuing Operations
98.06
+18.41%
82.81
+6.17%
78.00
-4.66%
81.81
Depreciation Amortization Depletion
5.75
+14.99%
5.00
-6.50%
5.35
+2.53%
5.22
Depreciation
5.75
+14.99%
5.00
-6.50%
5.35
—
Depreciation And Amortization
5.75
+14.99%
5.00
-6.50%
5.35
+2.53%
5.22
Other Non Cash Items
-3.57
+19.95%
-4.46
-68.47%
-2.65
-147.71%
-1.07
Stock Based Compensation
1.77
+31.02%
1.35
-14.09%
1.58
+15.37%
1.37
Asset Impairment Charge
0.10
-8.57%
0.10
-50.24%
0.21
-25.96%
0.28
Deferred Tax
-2.94
-69.98%
-1.73
-344.29%
0.71
-78.18%
3.25
Deferred Income Tax
-2.94
-69.98%
-1.73
-344.29%
0.71
-78.18%
3.25
Operating Gains Losses
-0.99
-144.31%
-0.40
+49.94%
-0.81
+55.12%
-1.80
Gain Loss On Investment Securities
-0.00
+75.00%
-0.01
-100.00%
-0.00
-104.94%
0.08
Unrealized Gain Loss On Investment Securities
-0.37
+40.13%
-0.62
+37.20%
-0.99
-1240.23%
0.09
Change In Working Capital
-7.79
-179.88%
9.76
+294.23%
-5.02
-3259.12%
0.16
Change In Receivables
-1.20
-1.35%
-1.18
+70.30%
-3.98
+4.64%
-4.18
Changes In Account Receivables
-1.20
-1.35%
-1.18
+70.30%
-3.98
+4.64%
-4.18
Change In Payables And Accrued Expense
0.16
-84.13%
0.99
-80.80%
5.15
+321.95%
1.22
Change In Payable
0.16
-84.13%
0.99
-80.80%
5.15
+321.95%
1.22
Change In Account Payable
0.16
-84.13%
0.99
-80.80%
5.15
+321.95%
1.22
Change In Other Current Assets
-10.29
-627.32%
1.95
+174.18%
-2.63
-204.91%
2.51
Change In Other Current Liabilities
3.54
-55.78%
8.00
+324.56%
-3.56
-685.86%
0.61
Investing Cash Flow
-463.22
-38.00%
-335.67
-48.14%
-226.60
+19.07%
-280.01
Cash Flow From Continuing Investing Activities
-463.22
-38.00%
-335.67
-48.14%
-226.60
+19.07%
-280.01
Net PPE Purchase And Sale
-6.49
+18.94%
-8.01
-34.66%
-5.95
-6.23%
-5.60
Purchase Of PPE
-7.60
+5.88%
-8.08
-27.78%
-6.32
-1.67%
-6.22
Sale Of PPE
1.11
+1488.57%
0.07
-81.33%
0.38
-39.52%
0.62
Capital Expenditure
-7.60
+5.88%
-8.08
-27.78%
-6.32
-1.67%
-6.22
Net Investment Purchase And Sale
-22.83
-120.38%
112.04
-11.58%
126.71
+393.45%
25.68
Purchase Of Investment
-232.46
-319.87%
-55.37
-184.24%
-19.48
+89.16%
-179.63
Sale Of Investment
209.63
+25.23%
167.40
+14.51%
146.19
-28.80%
205.31
Net Other Investing Changes
-16.26
-473.11%
4.36
+238.70%
-3.14
-232.07%
2.38
Financing Cash Flow
352.41
+7.29%
328.45
+15.87%
283.46
+10419.00%
-2.75
Cash Flow From Continuing Financing Activities
352.41
+7.29%
328.45
+15.87%
283.46
+10419.00%
-2.75
Net Issuance Payments Of Debt
-0.44
-9.27%
-0.40
-106.41%
6.23
+14254.55%
-0.04
Issuance Of Debt
100.00
+0.00%
100.00
-56.82%
231.56
+414.58%
45.00
Repayment Of Debt
-100.44
-0.04%
-100.40
+55.44%
-225.34
-400.26%
-45.04
Long Term Debt Issuance
100.00
+0.00%
100.00
-56.82%
231.56
+414.58%
45.00
Long Term Debt Payments
-100.44
-0.04%
-100.40
+55.44%
-225.34
-400.26%
-45.04
Net Long Term Debt Issuance
-0.44
-9.27%
-0.40
-106.41%
6.23
+14254.55%
-0.04
Net Common Stock Issuance
1.32
-25.20%
1.77
+56.78%
1.13
+8.45%
1.04
Common Stock Payments
—
—
—
0.00
Common Stock Dividend Paid
-35.98
-7.71%
-33.41
-3.79%
-32.19
-7.51%
-29.94
Cash Dividends Paid
-35.98
-7.71%
-33.41
-3.79%
-32.19
-7.51%
-29.94
Repurchase Of Capital Stock
—
—
—
0.00
Changes In Cash
-5.82
-105.93%
98.11
-31.26%
142.71
+177.96%
-183.07
Beginning Cash Position
369.50
+36.15%
271.40
+110.90%
128.69
-58.72%
311.76
End Cash Position
363.68
-1.58%
369.50
+36.15%
271.40
+110.90%
128.69
Free Cash Flow
97.39
+0.14%
97.25
+22.28%
79.53
-14.91%
93.47
Interest Paid Supplemental Data
126.58
+0.10%
126.46
+39.91%
90.39
+229.65%
27.42
Income Tax Paid Supplemental Data
28.51
+38.30%
20.61
-0.56%
20.73
+27.22%
16.29
Common Stock Issuance
1.32
-25.20%
1.77
+56.78%
1.13
+8.45%
1.04
Issuance Of Capital Stock
1.32
-25.20%
1.77
+56.78%
1.13
+8.45%
1.04
Net Investment Properties Purchase And Sale
—
—
—
-0.07
Purchase Of Investment Properties
—
—
—
-0.07
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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