CTBI Stock - Community Trust Bancorp, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $376.01M | $326.31M | $255.66M | $238.63M | $231.00M |
| Gross Profit | $237.61M | $223.96M | $222.11M | $229.93M | $189.50M |
| Gross Margin | 63.2% | 68.6% | 86.9% | 96.4% | 82.0% |
| Operating Income | $106.69M | $98.57M | $101.04M | $110.64M | $70.27M |
| Net Income | $82.81M | $78.00M | $81.81M | $87.94M | $59.50M |
| Net Margin | 22.0% | 23.9% | 32.0% | 36.9% | 25.8% |
| EPS | $4.61 | $4.36 | $4.59 | $4.94 | $3.35 |
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, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include 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; and consumer 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. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| August 18th 2025 | Piper Sandler | Resumed | Overweight | $66 |
| November 8th 2024 | Piper Sandler | Resumed | Overweight | $64 |
| October 18th 2024 | Raymond James | Upgrade | Outperform | $60 |
| March 27th 2024 | Janney | Initiation | Buy | $49 |
| February 16th 2024 | Piper Sandler | Resumed | Overweight | $47 |
Earnings History & Surprises
CTBIEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 14, 2026 | — | — | — | — |
Q1 2026 | Jan 21, 2026 | $1.41 | — | — | — |
Q4 2025 | Oct 15, 2025 | $1.38 | $1.32 | -4.3% | ✗ MISS |
Q3 2025 | Jul 16, 2025 | $1.27 | $1.38 | +8.7% | ✓ BEAT |
Q2 2025 | Apr 16, 2025 | $1.19 | $1.22 | +2.5% | ✓ BEAT |
Q1 2025 | Jan 15, 2025 | $1.20 | $1.25 | +4.2% | ✓ BEAT |
Q4 2024 | Oct 16, 2024 | $1.15 | $1.23 | +7.0% | ✓ BEAT |
Q3 2024 | Jul 17, 2024 | $1.03 | $1.09 | +5.8% | ✓ BEAT |
Q2 2024 | Apr 17, 2024 | $0.98 | $1.04 | +6.1% | ✓ BEAT |
Q1 2024 | Jan 17, 2024 | $1.08 | $1.04 | -3.7% | ✗ MISS |
Q4 2023 | Oct 18, 2023 | $1.01 | $1.15 | +13.9% | ✓ BEAT |
Q3 2023 | Jul 19, 2023 | $1.06 | $1.08 | +1.9% | ✓ BEAT |
Q2 2023 | Apr 19, 2023 | $1.12 | $1.08 | -3.6% | ✗ MISS |
Q1 2023 | Jan 18, 2023 | $1.23 | $1.26 | +2.4% | ✓ BEAT |
Q4 2022 | Oct 19, 2022 | $1.16 | $1.08 | -6.9% | ✗ MISS |
Q3 2022 | Jul 20, 2022 | $1.11 | $1.14 | +2.7% | ✓ BEAT |
Q2 2022 | Apr 20, 2022 | $0.96 | $1.11 | +15.6% | ✓ BEAT |
Q1 2022 | Jan 19, 2022 | $1.07 | $1.08 | +0.9% | ✓ BEAT |
Q4 2021 | Oct 20, 2021 | $1.16 | $1.19 | +2.6% | ✓ BEAT |
Q3 2021 | Jul 21, 2021 | $1.11 | $1.34 | +20.7% | ✓ BEAT |
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