Community Trust Bancorp, Inc. logo CTBI - Community Trust Bancorp, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 2
HOLD 3
SELL 1
STRONG
SELL
0
| PRICE TARGET: $61.00 DETAILS
HIGH: $61.00
LOW: $61.00
MEDIAN: $61.00
CONSENSUS: $61.00
DOWNSIDE: 9.55%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 409.3 376.0 326.3 255.7 238.6 231.0 235.6 223.4 204.2 195.0 190.8 188.9 197.4 199.7 202.3 195.4 194.5 203.9 233.5 221.9 193.6 164.3 164.9 174.5 200.6 195.3 184.5 180.1 169 158.9 142.1 108.1 108.6
Cost of Revenue 136.3 138.4 102.4 33.5 8.7 41.5 45.3 35.5 25.8 21.4 20.4 20.6 22.0 31.0 40.3 51.7 65.0 75.4 97.4 85.8 65.2 45.8 53.2 67.4 102.9 100.7 88.8 100 85.3 76.4 70.9 49.5 47.3
Gross Profit 273.1 237.6 224.0 222.1 229.9 189.5 190.2 187.9 178.4 173.6 170.4 168.4 175.4 168.6 162.0 143.7 129.5 128.5 136.1 136.0 128.4 118.5 111.7 107.1 97.7 94.5 95.7 80.1 83.7 82.5 71.2 58.6 61.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 104.5 85.1 79.4 76.9 78.4 70.5 74.0 72.4 69.9 68.0 66.1 67.2 62.6 60.8 58.5 58.6 55.4 48.2 42.3 44.1 42.5 39.5 34.6 34.6 31.1 29.7 30.5 28.7 28.5 28.2 24.6 21.3 21.2
Other Expenses 41.5 45.8 46.0 44.1 40.9 48.8 44.3 45.0 40.0 39.2 39.3 38.8 47.7 42.7 47.9 37.5 38.4 48.9 40.8 36.3 36.0 35.1 36.1 32.7 33.8 32.2 33.9 33.5 31.3 27 31.2 27.7 21.4
Operating Expenses 146.0 130.9 125.4 121.1 119.3 119.2 118.3 117.4 109.9 107.1 105.4 106.0 110.3 103.6 106.4 96.0 93.8 97.0 83.1 80.4 78.6 74.6 70.7 67.3 64.9 61.9 64.4 62.2 59.8 55.2 55.8 49 42.6
Operating Income
Operating Income 127.1 106.7 98.6 101.0 110.6 70.3 72.0 70.5 68.5 66.5 65.0 62.4 65.2 65.1 55.6 47.6 35.7 31.4 53.0 55.6 49.8 43.9 40.9 39.8 32.8 32.6 31.3 17.9 23.9 27.3 15.4 9.6 18.7
Interest Expense 126.7 127.4 95.5 28.6 15.1 25.4 40.5 29.3 18.3 13.6 11.8 11.8 13.4 21.6 27.0 35.3 47.5 64.0 90.8 81.5 57.0 37.2 43.9 57.3 93.7 91.5 79.7 84 74.1 69.1 65 44.6 43.7
Interest Income 345.7 313.4 268.6 197.7 178.2 176.4 185.4 171.4 155.7 146.6 144.0 143.9 148.1 153.7 158.5 154.5 153.1 167.6 196.9 189.1 160.2 130.4 128.5 146.6 176.8 175.7 163.5 160.6 150.6 144.5 131 99 97.1
Profitability
EBITDA 131.3 111.7 103.9 106.3 115.7 75.6 77.5 74.3 72.5 70.4 68.9 66.7 69.7 69.4 59.9 52.0 40.9 36.5 58.7 62.4 56.6 49.6 46.8 44.8 39.9 40.0 39.0 23.6 29 32.2 19.8 10.9 23
EBIT 127.1 106.7 98.6 101.0 110.6 70.3 72.0 70.5 68.5 66.5 65.0 62.4 65.2 65.1 55.6 47.6 35.7 31.4 53.0 55.6 49.8 43.9 40.9 39.8 32.8 32.6 31.3 17.9 23.9 27.3 15.4 9.6 18.7
Income Before Tax 127.1 106.7 98.6 101.0 110.6 70.3 72.0 70.5 68.5 66.5 65.0 62.4 65.2 65.1 55.6 47.6 35.7 31.4 53.0 55.6 49.8 43.9 40.9 39.8 32.8 32.6 31.3 17.9 23.9 27.3 15.4 9.6 18.7
Income Tax Expense 29.0 23.9 20.6 19.2 22.7 10.8 7.5 11.3 17.0 19.1 18.5 19.1 20 20.2 16.8 14.6 10.6 8.3 16.4 16.6 15.4 12.9 12.0 12.2 10.5 10.3 9.5 3.9 7.9 8.5 4.6 2.1 5.1
Net Income 98.1 82.8 78.0 81.8 87.9 59.5 64.5 59.2 51.5 47.3 46.4 43.3 45.2 44.9 38.8 33.0 25.1 23.1 36.6 39.1 34.4 30.9 28.9 27.6 22.3 22.3 21.8 14 19.1 18.8 10.8 7.5 13.6
Per Share Data
EPS (Basic) 5.44 4.61 4.36 4.59 4.94 3.35 3.64 3.35 2.92 2.70 2.66 2.50 2.64 2.64 2.31 1.97 1.51 1.40 2.20 2.35 2.10 1.90 1.77 1.66 1.32 1.28 1.22 0.78 1.07 1.06 0.62 0.49 0.96
EPS (Diluted) 5.43 4.61 4.36 4.58 4.94 3.35 3.64 3.35 2.92 2.70 2.66 2.49 2.62 2.63 2.30 1.96 1.50 1.38 2.16 2.32 2.06 1.90 1.77 1.65 1.32 1.28 1.22 0.78 1.07 1.06 0.62 0.49 0.64
Shares Outstanding 18.0 17.9 17.9 17.8 17.8 17.7 17.7 17.7 17.6 17.5 17.4 17.3 17.2 17.0 16.8 16.8 16.6 16.5 16.7 16.6 16.4 16.3 16.3 16.6 16.9 17.5 17.9 17.8 17.8 17.8 17.5 15.3 14.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 62.9 369.8 271.6 128.9 312.0 338.5 264.9 144.3 185.1 145.2 94.5 95.1 78.7 79.9 93.0 96.2 72.7 107.5 233.1 61.4 63.9 107 74.3 103.6
Short-Term Investments 302.9 1,055.7 1,163.7 1,256.2 1,455.4 997.3 599.8 594.9 585.8 605.4 0.1 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 4,834.8 24.8 23.6 19.6 15.4 15.8 14.8 14.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10 9.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 5,200.8 1,450.2 1,458.9 1,404.7 1,782.8 1,351.6 879.6 752.4 770.8 750.6 94.6 95.1 78.7 79.9 93.0 96.2 72.7 107.5 233.1 61.4 63.9 107 84.3 113
Non-Current Assets
Property, Plant & Equipment 52.6 64.0 61.0 59.7 52.6 55.2 58.6 45.3 46.3 47.9 49.2 51.6 53.1 50.0 50.8 51.1 49.0 52.1 54.8 47.7 46.3 47.6 37.1 35.9
Goodwill 65.5 65.5 65.5 65.5 65.5 65.5 65.5 65.5 65.5 65.5 65.1 65.1 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 7.4 7.7 8.5 6.8 4.1 3.3 3.6 3.5 3.6 4.1 3.5 63.4 64.0 64.5 64.5 56.3 0 62.5 0 19.8 20.1 10.4 11
Long-Term Investments 1,135.0 4,435.6 4,004.7 3,665.6 3,371.9 3,531.9 3,217.2 3,178.2 3,088.5 2,904.5 2,689.4 2,611.4 2,420.5 2,221.3 2,192.2 2,138.0 1,954.2 1,925.0 1,860.7 1,689.5 1,658.5 1,529.4 1,165.5 1,169.4
Other Non-Current Assets 15.4 141.4 143.8 136.4 138.6 130.9 141.8 156.6 161.6 160.1 184.3 127.9 93.4 58.9 87.5 154.1 132.1 32.2 36.9 36.4 27.2 26.1 100.5 23.6
Total Non-Current Assets 1,268.5 4,743.0 4,310.8 3,975.6 3,635.4 3,787.6 3,486.4 3,449.2 3,365.4 3,181.6 2,992.0 2,859.4 2,630.4 2,394.1 2,395.0 2,407.7 2,191.7 2,068.6 2,014.9 1,791.3 1,751.8 1,623.2 1,313.5 1,239.9
Total Assets 6,684.1 6,193.2 5,769.7 5,380.3 5,418.3 5,139.1 4,366.0 4,201.6 4,136.2 3,932.2 3,086.7 2,954.5 2,709.1 2,474.0 2,487.9 2,503.9 2,262.0 2,176.1 2,248 1,852.7 1,815.7 1,730.2 1,397.8 1,352.9
Current Liabilities
Account Payables 10.9 8.4 7.4 2.2 1.0 1.2 2.8 2.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 308.8 240.7 225.7 215.9 271.6 356.4 234.8 233.9 251.1 255.9 192.7 168.9 255.0 108.5 71.0 92.1 72.3 45.6 43.4 147.2 50.5 83.9 31.1 32.2
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 5,389.1 5,070.2 4,724.6 4,426.1 4,344.3 4,016.1 3,405.6 3,305.9 3,263.9 3,081.3 2,462.2 2,331.8 2,140.4 2,067.6 2,127.7 2,155.8 1,943.9 1,877.3 1,921.1 1,465.1 1,480.8 1,467.4 1,156.8 1,114.3
Total Current Liabilities 5,697.9 5,319.2 4,957.8 4,644.3 4,616.9 4,373.7 3,643.2 3,542.7 3,515.0 3,337.2 2,654.9 2,500.7 2,395.5 2,176.1 2,198.7 2,264.4 2,032 1,923.0 1,964.5 1,612.3 1,531.3 1,551.3 1,193.5 1,151.4
Non-Current Liabilities
Long-Term Debt 64.6 64.0 65.1 58.2 58.2 58.2 58.3 59.8 60.2 62.3 82.0 122.1 59.5 59.5 63.7 47.9 48.1 70.6 105.2 155.3 124.2 27.9 94.7 100.5
Deferred Tax Liabilities 0 0 0 0 0.5 4.7 5.1 3.4 4.4 7.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 49.2 36.9 28.8 32.1 31.4 33.7 29.3 31.6 25.9 24.2 28.3 23.5 18.0 17.0 16.1 16.5 18.2 10.1 13.5 (72.9) 15.4 17.2 4.6 4.7
Total Non-Current Liabilities 130.2 116.4 109.7 108.0 103.2 110.6 107.9 94.7 90.5 94.4 110.3 145.6 77.5 76.5 79.8 64.4 66.3 80.7 118.7 82.4 139.6 45.1 99.3 105.2
Total Liabilities 5,828.1 5,435.7 5,067.5 4,752.3 4,720.1 4,484.3 3,751.1 3,637.5 3,605.5 3,431.6 2,765.2 2,646.3 2,472.9 2,252.6 2,278.5 2,312.3 2,080.1 2,003.7 2,083.2 1,694.7 1,670.9 1,596.4 1,292.8 1,256.6
Stockholders' Equity
Common Stock 90.5 90.3 90.0 89.6 89.2 89.1 89.0 88.7 88.5 88.1 75.9 75.3 74.2 67.3 61.7 57.1 58.4 55.2 50.3 0 0 0 0 0
Retained Earnings 545.4 531.9 484.4 438.6 386.8 326.7 296.8 258.9 224.3 195.1 88.8 81.9 15.9 43.7 66.5 81.4 68.4 75.0 84.8 79 72 59.9 48.1 58
Accumulated Other Comprehensive Income (98.4) (98.4) (103.3) (129.2) (4.8) 13.6 4.3 (6.6) (3.5) (2.3) 4.2 0.9 1.0 4.8 7.4 2.0 0.2 (3.1) 1.6 0.6 (0.8) 0.4 0 0
Total Stockholders' Equity 856.1 757.6 702.2 628.0 698.2 654.9 614.9 564.1 530.7 500.6 321.5 308.2 236.2 221.4 209.4 191.6 181.9 172.4 164.8 158 144.8 133.8 105 96.3
Total Liabilities & Equity 6,684.1 6,193.2 5,769.7 5,380.3 5,418.3 5,139.1 4,366.0 4,201.6 4,136.2 3,932.2 3,086.7 2,954.5 2,709.1 2,474.0 2,487.9 2,503.9 2,262.0 2,176.1 2,248 1,852.7 1,815.7 1,730.2 1,397.8 1,352.9
Debt Metrics
Total Debt 389.8 320.2 306.7 291.8 342.8 428.6 308.3 293.7 311.3 318.2 274.7 291.0 314.5 168.0 134.7 140.1 120.3 116.2 148.6 302.5 174.7 111.8 125.8 132.7
Net Debt 326.9 (49.6) 35.1 162.8 30.8 90.1 43.3 149.4 126.2 173.0 180.2 196.0 235.8 88.1 41.7 43.9 47.6 8.8 (84.5) 241.1 110.8 4.8 51.5 29.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 98.1 82.8 78.0 81.8 87.9 59.5 64.5 59.2 51.5 47.3 34.4 30.9 28.9 27.6 22.3 22.3 21.8 14 16 18.8 10.8 7.5 13.6
Depreciation & Amortization 5.8 5.0 5.4 5.2 5.0 5.3 5.5 3.8 4.0 3.9 6.8 5.7 5.9 5.1 7.2 7.3 7.7 5.7 5.1 4.9 4.4 1.3 4.3
Stock-Based Compensation 1.8 1.4 1.6 1.4 0.8 0.9 0.9 0.7 0.6 0.5 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (9.4) 9.8 (5.0) 0.2 2.7 3.4 2.0 (6.8) (2.8) (0.3) (10.3) 4.4 (6.2) (2.7) (12.3) 5.1 7.9 (4) (7.6) (1.6) 2.9 0.4 (1.6)
Other Non-Cash Items 11.7 8.0 5.1 7.9 16.8 (3.9) 11.9 8.8 12.1 9.3 9.6 9.6 8.2 166.0 125.4 37.2 12.8 13.9 91.8 (62.5) 2.3 16.3 29.8
Operating Cash Flow 105.0 105.2 85.7 99.7 115.7 62.4 83.5 65.5 62.4 61.4 41.3 52.5 37.3 198.4 144.1 72.5 50.1 29.6 105.3 (40) 20.4 25.2 46.1
Investing Activities
Capital Expenditure (7.6) (8.1) (6.3) (6.2) (2.4) (1.5) (2.6) (2.8) (2.4) (3.5) (5.3) (7.0) (3.1) (3.5) (6.4) (1.7) (1.8) (6.1) (5.1) (3.1) (4.8) (5.2) (6.9)
Acquisitions 1.1 0 0 0 0 0 0 0 0 0 (4.3) 0 0 (0.6) (11.9) 0 0 0 0 0 0 0 0
Purchases of Investments (232.5) (55.4) (19.5) (179.6) (797.4) (857.2) (196.7) (281.5) (231.7) (176.2) (108.1) (305.0) (305.9) (327.7) (321.3) (54.7) (56.5) (195.3) (24.7) (51.9) (179) (129.1) (276.9)
Sales/Maturities of Investments 212.2 167.4 146.2 205.3 306.4 468.2 200.0 263.0 247.3 159.5 174.6 263.0 380.1 209.0 160.1 104.8 102.9 94 112.2 112.3 239.8 106 189
Other Investing Activities (417.3) (439.6) (347.0) (299.5) 134.8 (303.1) (35.2) (79.3) (199.8) (65.9) (134.9) (170.3) (120.6) (94.5) (141.7) (113.2) (132.9) (18.2) (205.9) (130.1) (84.1) (65.1) (2.9)
Investing Cash Flow (463.2) (335.7) (226.6) (280.0) (358.6) (693.5) (34.5) (100.6) (186.6) (86.1) (78.0) (219.4) (49.4) (217.3) (321.3) (64.7) (88.3) (125.6) (123.5) (72.8) (28.1) (93.4) (97.7)
Financing Activities
Net Debt Issuance 68.2 (0.2) 6.3 (0.0) (0.0) (0.0) (1.3) (0.4) (1.5) (100.1) 3.9 146.6 33.3 (5.4) 19.7 4.1 (32.4) (67.5) 38.5 62.8 (28.1) (6.8) 27.4
Stock Repurchased 0 0 0 0 0 (1.1) 0 0 0 (0.4) 0 0 0 0 (6.4) (7.8) 0 0 0 0 0 0 0
Dividends Paid (36.0) (33.4) (32.2) (29.9) (27.9) (27.1) (26.2) (24.4) (23.0) (22.2) (14.3) (12.4) (11.1) (9.8) (9.3) (9.1) (10.6) (8.1) (7.3) (6.6) (5.4) (4.5) (3.7)
Other Financing Activities 318.9 360.5 308.3 26.2 243.4 732.0 100.6 24.9 177.8 101.5 36.3 72.8 (60.1) (28.1) 211.9 66.6 (43.8) 46.7 (15.7) 13.4 50.3 42.4 30.6
Financing Cash Flow 352.4 328.6 283.6 (2.7) 216.4 704.7 74.3 1.3 154.8 (18.2) 29.3 207.4 (41.1) (48.7) 217.3 54.5 (87.6) (28.9) 15.7 69.7 17.1 38.9 54.4
Cash Position
Net Change in Cash (5.8) 98.1 142.7 (183.1) (26.5) 73.6 123.2 (33.8) 30.6 (42.9) (7.4) 40.6 (53.2) (67.6) 40.1 62.3 (125.7) (125) (2.5) (107) (97.6) (103.6) (100.8)
Cash at Beginning 369.5 271.4 128.7 311.8 338.2 264.7 141.4 175.3 144.7 187.6 129.6 89.0 142.2 209.8 169.7 107.5 233.1 358.1 63.9 107 97.6 103.6 100.8
Cash at End 363.7 369.5 271.4 128.7 311.8 338.2 264.7 141.4 175.3 144.7 122.2 129.6 89.0 142.2 209.8 169.7 107.5 233.1 61.4 176.7 114.7 142.5 155.2
Free Cash Flow 97.4 97.1 79.4 93.5 113.3 60.9 80.9 62.7 60.0 57.9 36.0 45.5 34.2 194.9 137.7 70.8 48.4 23.5 100.2 (43.1) 15.6 20 39.2
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 409.3 376.0 326.3 255.7 238.6 231.0 235.6 223.4 204.2 195.0 190.8 188.9 197.4 199.7 202.3 195.4 194.5 203.9 233.5 221.9 193.6 164.3 164.9 174.5 200.6 195.3 184.5 180.1 169 158.9 142.1 108.1 108.6
Gross Profit 273.1 237.6 224.0 222.1 229.9 189.5 190.2 187.9 178.4 173.6 170.4 168.4 175.4 168.6 162.0 143.7 129.5 128.5 136.1 136.0 128.4 118.5 111.7 107.1 97.7 94.5 95.7 80.1 83.7 82.5 71.2 58.6 61.3
Operating Income 127.1 106.7 98.6 101.0 110.6 70.3 72.0 70.5 68.5 66.5 65.0 62.4 65.2 65.1 55.6 47.6 35.7 31.4 53.0 55.6 49.8 43.9 40.9 39.8 32.8 32.6 31.3 17.9 23.9 27.3 15.4 9.6 18.7
Net Income 98.1 82.8 78.0 81.8 87.9 59.5 64.5 59.2 51.5 47.3 46.4 43.3 45.2 44.9 38.8 33.0 25.1 23.1 36.6 39.1 34.4 30.9 28.9 27.6 22.3 22.3 21.8 14 19.1 18.8 10.8 7.5 13.6
EPS (Diluted) 5.43 4.61 4.36 4.58 4.94 3.35 3.64 3.35 2.92 2.70 2.66 2.49 2.62 2.63 2.30 1.96 1.50 1.38 2.16 2.32 2.06 1.90 1.77 1.65 1.32 1.28 1.22 0.78 1.07 1.06 0.62 0.49 0.64
Balance Sheet
Cash & Equivalents 62.9 369.8 271.6 128.9 312.0 338.5 264.9 144.3 185.1 145.2 94.5 95.1 78.7 79.9 93.0 96.2 72.7 107.5 233.1 61.4 63.9 107 74.3 103.6
Total Assets 6,684.1 6,193.2 5,769.7 5,380.3 5,418.3 5,139.1 4,366.0 4,201.6 4,136.2 3,932.2 3,086.7 2,954.5 2,709.1 2,474.0 2,487.9 2,503.9 2,262.0 2,176.1 2,248 1,852.7 1,815.7 1,730.2 1,397.8 1,352.9
Total Debt 389.8 320.2 306.7 291.8 342.8 428.6 308.3 293.7 311.3 318.2 274.7 291.0 314.5 168.0 134.7 140.1 120.3 116.2 148.6 302.5 174.7 111.8 125.8 132.7
Stockholders' Equity 856.1 757.6 702.2 628.0 698.2 654.9 614.9 564.1 530.7 500.6 321.5 308.2 236.2 221.4 209.4 191.6 181.9 172.4 164.8 158 144.8 133.8 105 96.3
Cash Flow
Operating Cash Flow 105.0 105.2 85.7 99.7 115.7 62.4 83.5 65.5 62.4 61.4 41.3 52.5 37.3 198.4 144.1 72.5 50.1 29.6 105.3 (40) 20.4 25.2 46.1
Capital Expenditure (7.6) (8.1) (6.3) (6.2) (2.4) (1.5) (2.6) (2.8) (2.4) (3.5) (5.3) (7.0) (3.1) (3.5) (6.4) (1.7) (1.8) (6.1) (5.1) (3.1) (4.8) (5.2) (6.9)
Free Cash Flow 97.4 97.1 79.4 93.5 113.3 60.9 80.9 62.7 60.0 57.9 36.0 45.5 34.2 194.9 137.7 70.8 48.4 23.5 100.2 (43.1) 15.6 20 39.2