← COMMUNITY TRUST BANCORP INC /KY/ CTBI
Market Price
$79.00
Market Cap
$1.44B
P/E Ratio
14.55
Revenue (FY 2025)
↑13.7% YoY
$282.60M
3-Yr CAGR: 7.6%
Net Income
↑18.4% YoY
$98.06M
Net Margin: 34.7%
Free Cash Flow
↑0.3% YoY
$97.39M
FCF Yield: 6.78%
EPS (Diluted)
↑17.8% YoY
$5.43
Basic: $5.44
Return on Equity
Efficiency
11.5%
ROA: 1.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CTBI)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $181.5M | — | $167.9M | $47.3M | — | $2.70 | — | $61.4M | $57.9M | — |
| FY 2017 | $185.9M | +2.5% | $167.6M | $51.5M | +8.8% | $2.92 | +8.1% | $62.4M | $60.0M | +3.5% |
| FY 2018 | $194.1M | +4.4% | $164.8M | $59.2M | +15.0% | $3.35 | +14.7% | $65.5M | $62.7M | +4.5% |
| FY 2019 | $195.1M | +0.5% | $154.6M | $64.5M | +9.0% | $3.64 | +8.7% | $83.5M | $80.9M | +29.1% |
| FY 2020 | $205.6M | +5.4% | $180.1M | $59.5M | -7.8% | $3.35 | -8.0% | $62.4M | $60.9M | -24.7% |
| FY 2021 | $223.5M | +8.8% | $208.5M | $87.9M | +47.8% | $4.94 | +47.5% | $115.7M | $113.3M | +86.1% |
| FY 2022 | $227.0M | +1.6% | $198.4M | $81.8M | -7.0% | $4.58 | -7.3% | $99.7M | $93.5M | -17.5% |
| FY 2023 | $230.8M | +1.7% | $135.2M | $78.0M | -4.7% | $4.36 | -4.8% | $85.7M | $79.4M | -15.0% |
| FY 2024 | $248.6M | +7.7% | $121.1M | $82.8M | +6.2% | $4.61 | +5.7% | $105.2M | $97.1M | +22.3% |
| FY 2025 | $282.6M | +13.7% | $155.9M | $98.1M | +18.4% | $5.43 | +17.8% | $105.0M | $97.4M | +0.3% |
Valuation
Market Price
$79.00
Market Cap
$1.44B
Enterprise Value
$1.14B
P/E Ratio
14.55
P/B Ratio
1.68
FCF Yield
6.78%
Dividend Yield
2.53%
Shares Outstanding
Profitability & Margins
Gross Margin
55.15%
Operating Margin
44.97%
Net Margin
34.70%
Return on Equity (ROE)
11.45%
Return on Assets (ROA)
1.47%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
7.57%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.075
Debt / Assets
0.010
Cash & Equivalents
$363.68M
Total Debt
$63.78M
Book Value / Share
$47.13
Cash Flow Efficiency
Operating Cash Flow
$104.99M
Capital Expenditures (CapEx)
$7.60M
Free Cash Flow
$97.39M
OCF / Revenue
37.15%
FCF / Revenue
34.46%
FCF 3-Yr CAGR
1.38%
Per Share Metrics
EPS (Diluted)
$5.43
EPS (Basic)
$5.44
Dividends / Share
$2.00
Book Value / Share
$47.13
EPS YoY Growth
17.79%
Balance Sheet (FY 2025)
Total Assets
$6.68B
Total Liabilities
$5.83B
Stockholders' Equity
$856.07M
Current Assets
N/A
Current Liabilities
N/A