Community Trust Bancorp (CTBI) financial statements
Community Trust Bancorp reported revenue of $283M in fiscal 2025, up 5.0% a year over 9 years.
Net income was $98M.
Free cash flow was $97M, and the company returned $36M in dividends.
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Community Trust Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $181M | $186M | $194M | $195M | $206M | $224M | $227M | $231M | $249M | $283M |
| Interest expense | $14M | $18M | $29M | $41M | $25M | $15M | $29M | $96M | — | — |
| Pre-tax income | $66M | $69M | $71M | $72M | $70M | $111M | $101M | $99M | $107M | $127M |
| Income tax | $19M | $17M | $11M | $7M | $11M | $23M | $19M | $21M | $24M | $29M |
| Net income | $47M | $51M | $59M | $65M | $60M | $88M | $82M | $78M | $83M | $98M |
| EPS (diluted) | $2.70 | $2.92 | $3.35 | $3.64 | $3.35 | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
| Diluted shares | 18M | 18M | 18M | 18M | 18M | 18M | 18M | 18M | 18M | 18M |
| Net margin | 26.1% | 27.7% | 30.5% | 33.1% | 28.9% | 39.3% | 36.0% | 33.8% | 33.3% | 34.7% |
Balance sheet
Fiscal years, from Community Trust Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $145M | $175M | $141M | $265M | $338M | $312M | $129M | $271M | $370M | $364M |
| Property, plant and equipment | $48M | $46M | $45M | $44M | $42M | $40M | $43M | $45M | $50M | $53M |
| Goodwill | $65M | $65M | $65M | $65M | $65M | $65M | $65M | $65M | $65M | $65M |
| Total assets | $3.9B | $4.1B | $4.2B | $4.4B | $5.1B | $5.4B | $5.4B | $5.8B | $6.2B | $6.7B |
| Total liabilities | $3.4B | $3.6B | $3.6B | $3.8B | $4.5B | $4.7B | $4.8B | $5.1B | $5.4B | $5.8B |
| Shareholders' equity | $501M | $531M | $564M | $615M | $655M | $698M | $628M | $702M | $758M | $856M |
| Net debt | -$145M | -$175M | -$141M | -$265M | -$338M | -$312M | -$129M | -$271M | -$370M | -$364M |
Cash flow
Fiscal years, from Community Trust Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $61M | $62M | $65M | $83M | $62M | $116M | $100M | $86M | $105M | $105M |
| Capital spending | $3M | $2M | $3M | $3M | $1M | $2M | $6M | $6M | $8M | $8M |
| Free cash flow | $58M | $60M | $63M | $81M | $61M | $113M | $93M | $80M | $97M | $97M |
| Stock-based compensation | $458,000 | $636,000 | $710,000 | $859,000 | $944,000 | $850,000 | $1M | $2M | $1M | $2M |
| Dividends paid | $22M | $23M | $24M | $26M | $27M | $28M | $30M | $32M | $33M | $36M |
| Share buybacks (net) | -$382,000 | $0 | $0 | $0 | -$1M | $0 | $0 | — | — | — |
| Net borrowing | $0 | -$1M | $0 | — | — | — | — | — | — | — |
| Free cash flow margin | 31.9% | 32.2% | 32.3% | 41.5% | 29.6% | 50.7% | 41.2% | 34.5% | 39.1% | 34.5% |
| Dividends per share | $1.26 | $1.30 | $1.38 | $1.48 | $1.53 | $1.57 | $1.68 | $1.80 | $1.86 | $1.99 |
Every line, every quarterThe deep dive has fifteen-plus years of statements, quarterly results, charts and valuation models for CTBI.
Open CTBI in InvestinglyQuestions
What was Community Trust Bancorp's revenue in 2025?
$283M in fiscal 2025, from its 10-K filing.
How much free cash flow does Community Trust Bancorp generate?
$97M in fiscal 2025 (operating cash flow minus capital spending).
From Community Trust Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.