COMMUNITY TRUST BANCORP INC /KY/ · Banks

CTBI

Low riskNext report: Around Jan 20, 2027 (est.)

View price ↗

The short version

A profitable company.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Little debt

Money moves

No insider buying or selling in the last 30 days
Institutions cut 6.9% from their holdings in the quarter ending June 2026 (105 bought, 57 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$70.50+0.1% that day

Company value: $1.3B; Share price times all shares
Price vs profit (P/E): 11.8x; You pay about $12 for each $1 of yearly profit
Dividend yield: 2.8%; Yearly dividend as a share of today's price
Cash vs value: 40%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 5%; Debt as a share of company value

From CTBI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$29.6M+19% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $108.0M, up 18% from the 12 months before.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/5Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.12.2%
PassDebt under half of equityNot relying on borrowed money.0.07x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$97.4M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.1% in 3 years

Total debt: $63.8M; 0.07x equity
Free cash flow: $97.4M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 21Before open8:25 am ET

From the press release

Total revenue for the quarter was $1.2 million above prior quarter and $8.2 million above prior year same quarter.
Increases in trust and wealth management income ($0.2 million) and brokerage revenue ($0.2 million) were offset by a $0.4 million decline in net securities gains, included in the Other row in the table above.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗