CTBI

MKT CAP:$1B

Community Trust Bancorp, Inc.

Market Cap

$1B

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

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$65.10+$8.68 (+15.38%)

Apr 21, 2026

Company Details

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, check...

CEO

Mark A. Gooch

IPO Date

Dec 29, 1987

Website

www.ctbi.com

Key Metrics TTM

Revenue

$416M

+8.5% YoY

Net Income

$103M

EPS (Diluted)

$5.71

Free Cash Flow

$93M

Revenue / Share

$22.98

Gross Margin

67.9%

Operating Margin

32.3%

Net Margin

24.9%

FCF Margin

22.3%

P/S

2.8x

P/E

11.4x

Earnings Reports

Q1 2026

Mar 30, 2026

$103M+6.4%EPS $1.50

FY 2025

Feb 27, 2026

$409M+8.9%EPS $5.43

Q4 2025

Feb 27, 2026

$106M+8.1%EPS $1.51

Q3 2025

Nov 7, 2025

$105M+9.6%EPS $1.32

Q2 2025

Aug 8, 2025

$102M+10.2%EPS $1.38

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$60M	$55M	$25M
Q3 22	$66M	$56M	$24M
Q4 22	$71M	$57M	$27M
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
Q1 26	$103M	$72M	$35M

Valuation

Quarter	P/S	P/E
Q2 22	3.0x	9.0x
Q3 22	3.0x	9.4x
Q4 22	3.2x	10.1x
Q1 23	2.5x	8.3x
Q2 23	2.2x	8.1x
Q3 23	2.0x	7.6x
Q4 23	2.3x	9.7x
Q1 24	2.2x	9.7x
Q2 24	2.2x	10.1x
Q3 24	2.4x	11.3x
Q4 24	2.5x	11.5x
Q1 25	2.4x	10.5x
Q2 25	2.4x	10.4x
Q3 25	2.5x	10.7x
Q4 25	2.5x	10.6x
Q1 26	2.6x	10.6x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$27M	$26M
Q2 22	$19M	$18M
Q3 22	$26M	$24M
Q4 22	$27M	$25M
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

Quarter	CapEx
Q1 22	$1M
Q2 22	$1M
Q3 22	$2M
Q4 22	$2M
Q1 23	$910.0K
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

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+0.8%	+18.9%
Q3 22	+9.9%	+23.3%
Q4 22	+20.0%	+26.4%
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%
Q1 26	+6.4%	-1.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$484.0K	0.8%
Q2 22	$258.0K	0.4%
Q3 22	$266.0K	0.4%
Q4 22	$358.0K	0.5%
Q1 23	$377.0K	0.5%
Q2 23	$411.0K	0.5%
Q3 23	$364.0K	0.4%
Q4 23	$424.0K	0.5%
Q1 24	$343.0K	0.4%
Q2 24	$344.0K	0.4%
Q3 24	$334.0K	0.4%
Q4 24	$333.0K	0.3%
Q1 25	$544.0K	0.6%
Q2 25	$403.0K	0.4%
Q3 25	$399.0K	0.4%
Q4 25	$428.0K	0.4%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$19M	$659.0K
Q3 22	$19M	$768.0K
Q4 22	$12M	$826.0K
Q1 23	$20M	$820.0K
Q2 23	$19M	$704.0K
Q3 23	$19M	$767.0K
Q4 23	$19M	$923.0K
Q1 24	$21M	$577.0K
Q2 24	$20M	$856.0K
Q3 24	$20M	$876.0K
Q4 24	$21M	$821.0K
Q1 25	$21M	$673.0K
Q2 25	$22M	$765.0K
Q3 25	$22M	$953.0K
Q4 25	$36M	—
Q1 26	$26M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$212M	$1.4B	$1.6B
Q3 22	$260M	$1.3B	$1.6B
Q4 22	$129M	$1.3B	$1.4B
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
Q1 26	$92M	$0	$92M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	18M	+0.1%	+0.2%
Q3 22	18M	+0.1%	+0.3%
Q4 22	18M	+0.1%	+0.3%
Q1 23	18M	+0.1%	+0.3%
Q2 23	18M	+0.0%	+0.3%
Q3 23	18M	+0.1%	+0.3%
Q4 23	18M	+0.1%	+0.3%
Q1 24	18M	+0.1%	+0.3%
Q2 24	18M	+0.1%	+0.4%
Q3 24	18M	+0.2%	+0.5%
Q4 24	18M	+0.1%	+0.5%
Q1 25	18M	+0.1%	+0.4%
Q2 25	18M	+0.1%	+0.4%
Q3 25	18M	+0.1%	+0.3%
Q4 25	18M	+0.1%	+0.3%
Q1 26	18M	+0.1%	+0.3%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$61.5K	974
Q3 22	$67.8K	974
Q4 22	$72.3K	985
Q1 23	$75.8K	985
Q2 23	$80.8K	985
Q3 23	$86.3K	985
Q4 23	$90.0K	967
Q1 24	$93.2K	967
Q2 24	$95.5K	967
Q3 24	$98.6K	967
Q4 24	$105.1K	934
Q1 25	$103.8K	934
Q2 25	$108.9K	934
Q3 25	$111.9K	934
Q4 25	$114.1K	930
Q1 26	$110.9K	930

Revenue / Employee