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Stocks · Financials · State Commercial Banks

COMMUNITY TRUST BANCORP INC /KY/

CTBI Clue Score52
United States Fiscal year ends December CIK 0000350852
$74.16 -1.63% Close, 9 Oct 2026
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Price $74.16 +72.26% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income47.3EPS, diluted2.70Fiscal year 2017Net income51.5 +8.8%EPS, diluted2.92 +8.1%Fiscal year 2018Net income59.2 +15.0%EPS, diluted3.35 +14.7%Fiscal year 2019Net income64.5 +9.0%EPS, diluted3.64 +8.7%Fiscal year 2020Net income59.5 −7.8%EPS, diluted3.35 −8.0%Fiscal year 2021Net income87.9 +47.8%EPS, diluted4.94 +47.5%Fiscal year 2022Net income81.8 −7.0%EPS, diluted4.58 −7.3%Fiscal year 2023Net income78.0 −4.7%EPS, diluted4.36 −4.8%Fiscal year 2024Net income82.8 +6.2%EPS, diluted4.61 +5.7%Fiscal year 2025Net income98.1 +18.4%EPS, diluted5.43 +17.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 47.3 51.5 59.2 64.5 59.5 87.9 81.8 78.0 82.8 98.1
Growth +8.8% +15.0% +9.0% −7.8% +47.8% −7.0% −4.7% +6.2% +18.4%
EPS, diluted 2.70 2.92 3.35 3.64 3.35 4.94 4.58 4.36 4.61 5.43
Growth +8.1% +14.7% +8.7% −8.0% +47.5% −7.3% −4.8% +5.7% +17.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow61.4Capital expenditure−3.5Free cash flow57.9Buybacks−0.4Dividends paid−22.2Fiscal year 2017Operating cash flow62.4Capital expenditure−2.4Free cash flow60.0 +3.5%Buybacks0.0Dividends paid−23.0Fiscal year 2018Operating cash flow65.5Capital expenditure−2.8Free cash flow62.7 +4.5%Buybacks0.0Dividends paid−24.4Fiscal year 2019Operating cash flow83.5Capital expenditure−2.6Free cash flow80.9 +29.1%Buybacks0.0Dividends paid−26.2Fiscal year 2020Operating cash flow62.4Capital expenditure−1.5Free cash flow60.9 −24.7%Buybacks−1.1Dividends paid−27.1Fiscal year 2021Operating cash flow115.7Capital expenditure−2.4Free cash flow113.3 +86.1%Buybacks0.0Dividends paid−27.9Fiscal year 2022Operating cash flow99.7Capital expenditure−6.2Free cash flow93.5 −17.5%Buybacks0.0Dividends paid−29.9Fiscal year 2023Operating cash flow85.9Capital expenditure−6.3Free cash flow79.5 −14.9%Dividends paid−32.2Fiscal year 2024Operating cash flow105.3Capital expenditure−8.1Free cash flow97.2 +22.3%Dividends paid−33.4Fiscal year 2025Operating cash flow105.0Capital expenditure−7.6Free cash flow97.4 +0.1%Dividends paid−36.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 61.4 62.4 65.5 83.5 62.4 115.7 99.7 85.9 105.3 105.0
Capital expenditure −3.5 −2.4 −2.8 −2.6 −1.5 −2.4 −6.2 −6.3 −8.1 −7.6
Free cash flow 57.9 60.0 62.7 80.9 60.9 113.3 93.5 79.5 97.2 97.4
Growth +3.5% +4.5% +29.1% −24.7% +86.1% −17.5% −14.9% +22.3% +0.1%
Buybacks −0.4 0.0 0.0 0.0 −1.1 0.0 0.0 n/a n/a n/a
Dividends paid −22.2 −23.0 −24.4 −26.2 −27.1 −27.9 −29.9 −32.2 −33.4 −36.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash144.7Shareholders’ equity500.6Fiscal year 2017Cash175.3Shareholders’ equity530.7Fiscal year 2018Cash141.5Shareholders’ equity564.2Fiscal year 2019Cash264.7Shareholders’ equity614.9Fiscal year 2020Cash338.2Shareholders’ equity654.9Fiscal year 2021Cash311.8Shareholders’ equity698.2Fiscal year 2022Cash128.7Total debt57.8Net cash (debt)70.8Shareholders’ equity628.0Debt to equity0.09Fiscal year 2023Cash271.4Total debt64.2Net cash (debt)207.2Shareholders’ equity702.2Debt to equity0.09Fiscal year 2024Cash369.5Total debt64.0Net cash (debt)305.5Shareholders’ equity757.6Debt to equity0.08Fiscal year 2025Cash363.7Total debt63.8Net cash (debt)299.9Shareholders’ equity856.1Debt to equity0.07
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 144.7 175.3 141.5 264.7 338.2 311.8 128.7 271.4 369.5 363.7
Total debt n/a n/a n/a n/a n/a n/a 57.8 64.2 64.0 63.8
Net cash (debt) n/a n/a n/a n/a n/a n/a 70.8 207.2 305.5 299.9
Shareholders’ equity 500.6 530.7 564.2 614.9 654.9 698.2 628.0 702.2 757.6 856.1
Debt to equity n/a n/a n/a n/a n/a n/a 0.09 0.09 0.08 0.07

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
28.8% 24.8% 16.0% 10.4% 15.3% 20.5% 19.0% 20.9% 22.4% 22.8%
Returns
9.5% 9.7% 10.5% 10.5% 9.1% 12.6% 13.0% 11.1% 10.9% 11.5%
1.2% 1.2% 1.4% 1.5% 1.2% 1.6% 1.5% 1.4% 1.3% 1.5%
Balance and payout
n/a n/a n/a n/a n/a n/a 0.09 0.09 0.08 0.07
87.3% 87.2% 86.6% 85.9% 87.3% 87.1% 88.3% 87.8% 87.8% 87.2%
46.9% 44.6% 41.2% 40.6% 45.6% 31.7% 36.6% 41.3% 40.3% 36.7%
39.0% 38.3% 38.9% 32.4% 46.4% 24.6% 32.0% 40.5% 34.4% 36.9%