CTBI
Community Trust Bancorp Inc
NASDAQ: CTBI · FINANCIAL SERVICES · BANKS - REGIONAL
$65.05
-2.12% today
Updated 2026-04-29
Market cap
$1.18B
P/E ratio
11.39
P/S ratio
4.23x
EPS (TTM)
$5.71
Dividend yield
3.10%
52W range
$47 – $69
Volume
0.1M
Community Trust Bancorp Inc (CTBI) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $221.86M | $233.47M | $203.89M | $194.47M | $195.44M | $202.29M | $199.68M | $197.43M | $188.95M | $190.83M | $195.02M | $204.20M | $223.40M | $235.58M | $231.00M | $238.63M | $255.66M | $326.31M | $376.01M | $409.34M |
| Revenue growth (YoY) | — | +5.2% | -12.7% | -4.6% | +0.5% | +3.5% | -1.3% | -1.1% | -4.3% | +1.0% | +2.2% | +4.7% | +9.4% | +5.5% | -1.9% | +3.3% | +7.1% | +27.6% | +15.2% | +8.9% |
| Cost of revenue | $85.84M | $97.37M | $75.43M | $65.01M | $51.74M | $40.27M | $31.04M | $22.01M | $20.55M | $20.42M | $21.43M | $25.82M | $35.46M | $45.33M | $41.50M | $8.70M | $33.55M | $102.35M | $138.40M | $136.27M |
| Gross profit | $136.02M | $136.10M | $128.47M | $129.46M | $143.70M | $162.03M | $168.64M | $175.42M | $168.40M | $170.41M | $173.59M | $178.39M | $187.94M | $190.25M | $189.50M | $229.93M | $222.11M | $223.96M | $237.61M | $273.07M |
| Gross margin | 61.3% | 58.3% | 63.0% | 66.6% | 73.5% | 80.1% | 84.5% | 88.9% | 89.1% | 89.3% | 89.0% | 87.4% | 84.1% | 80.8% | 82.0% | 96.4% | 86.9% | 68.6% | 63.2% | 66.7% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $44.15M | $42.30M | $48.19M | $55.42M | $58.56M | $58.48M | $60.84M | $62.59M | $64.77M | $63.69M | $65.36M | $67.17M | $69.41M | $70.71M | $67.48M | $75.50M | $73.94M | $76.19M | $82.01M | $102.08M |
| Operating income | $55.61M | $53.05M | $31.42M | $35.66M | $47.65M | $55.64M | $65.09M | $65.17M | $62.40M | $64.96M | $66.46M | $68.51M | $70.54M | $71.99M | $70.27M | $110.64M | $101.04M | $98.57M | $106.69M | $127.09M |
| Operating margin | 25.1% | 22.7% | 15.4% | 18.3% | 24.4% | 27.5% | 32.6% | 33.0% | 33.0% | 34.0% | 34.1% | 33.6% | 31.6% | 30.6% | 30.4% | 46.4% | 39.5% | 30.2% | 28.4% | 31.0% |
| EBITDA | $62.39M | $58.71M | $36.53M | $40.90M | $52.02M | $59.85M | $69.41M | $69.73M | $66.71M | $68.89M | $70.37M | $72.52M | $74.33M | $77.51M | $75.61M | $115.68M | $106.26M | $103.92M | $111.69M | $131.34M |
| EBITDA margin | 28.1% | 25.1% | 17.9% | 21.0% | 26.6% | 29.6% | 34.8% | 35.3% | 35.3% | 36.1% | 36.1% | 35.5% | 33.3% | 32.9% | 32.7% | 48.5% | 41.6% | 31.8% | 29.7% | 32.1% |
| EBIT | $55.61M | $53.05M | $31.42M | $35.66M | $47.65M | $55.64M | $65.09M | $65.17M | $62.40M | $64.96M | $66.46M | $68.51M | $70.54M | $71.99M | $70.27M | $110.64M | $101.04M | $98.57M | $106.69M | $127.09M |
| Interest expense | $81.54M | $90.83M | $63.97M | $47.54M | $35.26M | $27.00M | $21.59M | $13.44M | $11.80M | $11.77M | $13.55M | $18.29M | $29.30M | $40.51M | $25.45M | $15.09M | $28.64M | $95.54M | $127.45M | $126.74M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $39.06M | $36.63M | $23.07M | $25.06M | $33.03M | $38.83M | $44.86M | $45.17M | $43.25M | $46.43M | $47.35M | $51.49M | $59.23M | $64.54M | $59.50M | $87.94M | $81.81M | $78.00M | $82.81M | $98.06M |
| Net income growth (YoY) | — | -6.2% | -37.0% | +8.6% | +31.8% | +17.5% | +15.5% | +0.7% | -4.3% | +7.4% | +2.0% | +8.8% | +15.0% | +9.0% | -7.8% | +47.8% | -7.0% | -4.7% | +6.2% | +18.4% |
| Profit margin | 17.6% | 15.7% | 11.3% | 12.9% | 16.9% | 19.2% | 22.5% | 22.9% | 22.9% | 24.3% | 24.3% | 25.2% | 26.5% | 27.4% | 25.8% | 36.9% | 32.0% | 23.9% | 22.0% | 24.0% |