COMMUNITY TRUST BANCORP INC /KY/
CTBINasdaq
$74.93
↓ -2.7%Jul 17 close · end-of-day
Price
1Y↑ +38.7%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$1.4B
Enterprise Value
$996.1M
P/E
13.1
P/S
3.3
P/B
1.6
EV/EBITDA
—
PEG
2.2
FCF Yield
7.4%
Dividend Yield
2.8%
Revenue (TTM)
$415.6M
Net Income (TTM)
$103.3M
Free Cash Flow (TTM)
$100.8M
Gross Margin
—
Operating Margin
—
Net Margin
24.9%
ROE
11.8%
ROIC
—
Debt / Equity
—
Net Cash
$358.7M
Return 1Y
+36.6%
Company profile
Community Trust Bancorp, Inc. provides commercial and personal banking services to small and mid-sized communities. Its loan products include commercial, construction, mortgage, and personal loans. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee.
- CEO
- Mark A. Gooch
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 980
- Headquarters
- Kentucky
- Website
- ctbi.com
Management & directors
- Stumbo Kevin JEVP, CFO, & Treasurer
- Sparkman Ricky DExecutive Vice President
- Dollins Billie J.Executive Vice President
- Gooch Mark AChairman, President & CEO
- Hancock Charles Wayne IiExecutive Vice President
- Jones David AndrewExecutive Vice President
- Mccoy Thomas E.Executive Vice President
- Newsom Richard WPresident
- Smith Mark EdwardExecutive Vice President
- Tackett David IExecutive Vice President
- Waters Andy DExecutive Vice President
Roles derived from SEC Form 4 filings.
Earnings
CTBI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$103.2M↑ +6.4%
Diluted EPS$1.50↑ +23.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $231.0M | $238.6M | $255.7M | $326.3M | $376.0M | $409.3M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $59.5M | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M |
| Diluted EPS | $3.35 | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
| Operating cash flow | $62.4M | $115.7M | $99.7M | $85.8M | $105.3M | $105.0M |
| Free cash flow | $60.9M | $113.3M | $93.5M | $79.5M | $97.2M | $97.4M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 25.8% | 36.9% | 32.0% | 23.9% | 22.0% | 24.0% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $92.4M | $95.4M | $98.1M | $97.0M | $101.7M | $104.5M | $106.1M | $103.2M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $19.5M | $22.1M | $22.5M | $22.0M | $24.9M | $23.9M | $27.3M | $27.2M |
| Diluted EPS | $1.09 | $1.23 | $1.25 | $1.22 | $1.38 | $1.32 | $1.51 | $1.50 |
| Operating cash flow | $20.0M | $36.7M | $22.4M | $36.6M | $15.9M | $37.5M | $14.9M | $39.5M |
| Free cash flow | $18.4M | $35.4M | $19.4M | $34.5M | $13.6M | $36.4M | $13.0M | $37.9M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 21.1% | 23.2% | 22.9% | 22.7% | 24.5% | 22.9% | 25.7% | 26.4% |
Company news
Jul 15, 2026
Jul 8, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-17 | STUMBO KEVIN J· EVP, CFO, & Treasurer | Gift | 50 | $74.82 | $3,741.00 | filing |
| 2026-07-01 | STUMBO KEVIN J· EVP, CFO, & Treasurer | Gift | 50 | $73.45 | $3,672.50 | filing |
| 2026-04-28 | MINNIFIELD FRANKY | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | Sandlin Jefferson F | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | McGhee James E II | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | STREET CHAD C | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | Matthews Ina Michelle | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | Luallen Eugenia Crittenden | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | Baird David L. | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | St. Charles Anthony W. | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-04-28 | Webb Lillian Kay | Award | 301 | $66.46 | $20,004.46 | filing |
| 2026-03-13 | SPARKMAN RICKY D· Executive Vice President | Buy | 84 | $58.50 | $4,913.99 | filing |
| 2026-01-27 | Dollins Billie J.· Executive Vice President | Award | 667 | $0.00 | $0.00 | filing |
| 2026-01-27 | Waters Andy D· Executive Vice President | Award | 821 | $0.00 | $0.00 | filing |
| 2026-01-27 | TACKETT DAVID I· Executive Vice President | Award | 701 | $0.00 | $0.00 | filing |
| 2026-01-27 | STUMBO KEVIN J· EVP, CFO, & Treasurer | Award | 1,027 | $0.00 | $0.00 | filing |
| 2026-01-27 | SPARKMAN RICKY D· Executive Vice President | Award | 898 | $0.00 | $0.00 | filing |
| 2026-01-27 | Smith Mark Edward· Executive Vice President | Award | 667 | $0.00 | $0.00 | filing |
| 2026-01-27 | NEWSOM RICHARD W· President | Award | 1,009 | $0.00 | $0.00 | filing |
| 2026-01-27 | McCoy Thomas E.· Executive Vice President | Award | 616 | $0.00 | $0.00 | filing |
| 2026-01-27 | Jones David Andrew· Executive Vice President | Award | 809 | $0.00 | $0.00 | filing |
| 2026-01-27 | Hancock Charles Wayne II· Executive Vice President | Award | 886 | $0.00 | $0.00 | filing |
| 2026-01-27 | GOOCH MARK A· Chairman, President & CEO | Award | 2,481 | $0.00 | $0.00 | filing |
| 2025-12-19 | STUMBO KEVIN J· EVP, CFO, & Treasurer | Gift | 50 | $58.73 | $2,936.50 | filing |
| 2025-08-18 | Waters Andy D· Executive Vice President | Sale | 918 | $56.18 | $51,574.07 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.