CTBI (Community Trust Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

CTBI (Community Trust Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

CTBICommunity Trust Bancorp, Inc.

Mkt Cap$1B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Revenue (TTM)$409M

Net Income (TTM)$98M

EPS (TTM)$5.43

Free Cash Flow (TTM)$93M

Gross Margin66.7%

Op. Margin31.0%

Net Margin24.0%

FCF Margin22.7%

P/S Ratio (TTM)2.6x

P/E Ratio (TTM)11.0x

YoY Rev Growth+8.9%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$75M	$56M	$25M
Q2 23	$80M	$56M	$25M
Q3 23	$85M	$57M	$26M
Q4 23	$87M	$55M	$23M
Q1 24	$90M	$56M	$24M
Q2 24	$92M	$58M	$26M
Q3 24	$95M	$60M	$28M
Q4 24	$98M	$63M	$29M
Q1 25	$97M	$63M	$28M
Q2 25	$102M	$68M	$32M
Q3 25	$105M	$68M	$31M
Q4 25	$106M	$75M	$35M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	4.0x	13.3x
Q2 23	3.7x	13.4x
Q3 23	3.5x	13.2x
Q4 23	3.3x	13.9x
Q1 24	3.2x	14.0x
Q2 24	3.1x	14.0x
Q3 24	3.0x	13.7x
Q4 24	2.9x	13.1x
Q1 25	2.8x	12.6x
Q2 25	2.8x	11.8x
Q3 25	2.7x	11.6x
Q4 25	2.6x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$25M	$24M
Q2 23	$15M	$14M
Q3 23	$25M	$22M
Q4 23	$20M	$19M
Q1 24	$26M	$24M
Q2 24	$20M	$18M
Q3 24	$37M	$35M
Q4 24	$22M	$19M
Q1 25	$37M	$35M
Q2 25	$16M	$14M
Q3 25	$38M	$36M
Q4 25	$15M	$8M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$910K
Q2 23	$1M
Q3 23	$3M
Q4 23	$1M
Q1 24	$2M
Q2 24	$2M
Q3 24	$1M
Q4 24	$3M
Q1 25	$2M
Q2 25	$2M
Q3 25	$1M
Q4 25	$7M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+27.7%	+48.5%
Q2 23	+33.0%	+58.3%
Q3 23	+28.6%	+41.5%
Q4 23	+22.2%	+43.3%
Q1 24	+20.7%	+32.3%
Q2 24	+16.0%	+21.1%
Q3 24	+12.2%	+14.9%
Q4 24	+12.7%	+7.9%
Q1 25	+7.6%	+3.4%
Q2 25	+10.2%	+4.4%
Q3 25	+9.6%	+8.5%
Q4 25	+8.1%	+2.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$377K	0.5%
Q2 23	$411K	0.5%
Q3 23	$364K	0.4%
Q4 23	$424K	0.5%
Q1 24	$343K	0.4%
Q2 24	$344K	0.4%
Q3 24	$334K	0.4%
Q4 24	$333K	0.3%
Q1 25	$544K	0.6%
Q2 25	$403K	0.4%
Q3 25	$399K	0.4%
Q4 25	$428K	0.4%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$20M	$820K
Q2 23	$19M	$704K
Q3 23	$19M	$767K
Q4 23	$19M	$923K
Q1 24	$21M	$577K
Q2 24	$20M	$856K
Q3 24	$20M	$876K
Q4 24	$21M	$821K
Q1 25	$21M	$673K
Q2 25	$22M	$765K
Q3 25	$22M	$953K
Q4 25	$36M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$236M	$1.2B	$1.5B
Q2 23	$107M	$1.2B	$1.3B
Q3 23	$220M	$1.1B	$1.4B
Q4 23	$272M	$1.2B	$1.4B
Q1 24	$294M	$1.1B	$1.4B
Q2 24	$162M	$1.1B	$1.3B
Q3 24	$241M	$1.1B	$1.3B
Q4 24	$370M	$1.1B	$1.4B
Q1 25	$341M	$592M	$933M
Q2 25	$396M	$589M	$985M
Q3 25	$508M	$627M	$1.1B
Q4 25	$63M	$303M	$366M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	18M	+0.1%
Q2 23	18M	+0.0%
Q3 23	18M	+0.1%
Q4 23	18M	+0.1%
Q1 24	18M	+0.1%
Q2 24	18M	+0.1%
Q3 24	18M	+0.2%
Q4 24	18M	+0.1%
Q1 25	18M	+0.1%
Q2 25	18M	+0.1%
Q3 25	18M	+0.1%
Q4 25	18M	+0.1%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$187K	1K
FY 15	$194K	984
FY 16	$196K	996
FY 17	$206K	990
FY 18	$228K	978
FY 19	$236K	1K
FY 20	$231K	998
FY 21	$245K	974
FY 22	$260K	985
FY 23	$337K	967
FY 24	$403K	934
FY 25	$440K	930