# Community Trust Bancorp Inc. (CTBI)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $1.26B  
**Price:** $70.10 (-0.27%)

> Community Trust Bancorp Inc. is a regional bank holding company that provides a broad range of banking products and financial services. Primarily operating in Kentucky, with additional branches in West Virginia and Tennessee, the company focuses on serving local communities with a personal touch. Its services include traditional deposit accounts, personal and commercial loans, wealth management, and investment services. By catering to both individual and business clients, Community Trust Bancorp addresses various financial needs, emphasizing community development and customer relationships. Known for its emphasis on community involvement, the institution supports local economies by providing loans to small businesses and participating in community projects. In the financial markets, Community Trust Bancorp Inc. serves as a stable, community-focused entity, often seen as a benchmark for smaller regional banks prioritizing localized growth and customer service.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $346M | — | — | $98M | — |
| 2024 | $313M | — | — | $83M | — |
| 2023 | $269M | — | — | $78M | — |
| 2022 | $198M | — | — | $82M | — |
| 2021 | $178M | — | — | $88M | — |
| 2020 | $176M | — | — | $60M | — |
| 2019 | $185M | — | — | $65M | — |
| 2018 | $171M | — | — | $59M | — |
| 2017 | $156M | — | — | $51M | — |
| 2016 | $147M | — | — | $47M | — |
| 2015 | $144M | — | — | $46M | — |
| 2014 | $144M | — | — | $43M | — |
| 2013 | $148M | — | — | $45M | — |
| 2012 | $154M | — | — | $45M | — |
| 2011 | $158M | — | — | $39M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $6.68B | $5.83B | $856M | $364M | $64M |
| 2024 | $6.19B | $5.44B | $758M | $370M | $64M |
| 2023 | $5.77B | $5.07B | $702M | $271M | $64M |
| 2022 | $5.38B | $4.75B | $628M | $129M | $58M |
| 2021 | $5.42B | $4.72B | $698M | $312M | — |
| 2020 | $5.14B | $4.48B | $655M | $338M | — |
| 2019 | $4.37B | $3.75B | $615M | $265M | — |
| 2018 | $4.20B | $3.64B | $564M | $141M | — |
| 2017 | $4.14B | $3.61B | $531M | $175M | — |
| 2016 | $3.93B | $3.43B | $501M | $145M | — |
| 2015 | $3.90B | $3.43B | $476M | $188M | — |
| 2014 | $3.72B | $3.28B | $448M | $106M | — |
| 2013 | $3.58B | $3.17B | $412M | $107M | $61M |
| 2012 | $3.64B | $3.24B | $400M | $208M | $61M |
| 2011 | $3.59B | $3.22B | $367M | $238M | $61M |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $105M | $8M | $97M |
| 2024 | $105M | $8M | $97M |
| 2023 | $86M | $6M | $80M |
| 2022 | $100M | $6M | $93M |
| 2021 | $116M | $2M | $113M |
| 2020 | $62M | $1M | $61M |
| 2019 | $83M | $3M | $81M |
| 2018 | $65M | $3M | $63M |
| 2017 | $62M | $2M | $60M |
| 2016 | $61M | $3M | $58M |
| 2015 | $55M | $2M | $53M |
| 2013 | $91M | $2M | $89M |
| 2012 | $58M | $4M | $54M |
| 2011 | $64M | $3M | $61M |
| 2010 | $61M | $2M | $59M |

Source: [CompaniesByCap](https://companiesbycap.com/company/CTBI)