Community Trust Bancorp (CTBI) Financial Statements & Analysis

Community Trust Bancorp (CTBI) Income Statement

Community Trust Bancorp reported revenue of $409.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 8.9% from $376.01M a year earlier. Net income was $98.06M, up 18.4% year over year, a net margin of 24.0%. Gross margin was 66.7% and operating margin 31.0%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $70.53M, down 32.5% from the same quarter a year earlier.

Community Trust Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Community Trust Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	409.34	376.01	230.77	227.02	226.58	231.00	235.58	223.40	204.20
Cost of Revenue	136.27	138.40	102.35	33.55	8.70	41.50	45.33	35.46	25.82
Gross Profit	273.07	237.61	223.96	222.11	229.93	189.50	190.25	187.94	178.39
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	104.47	85.14	79.41	76.94	25.02	70.46	73.99	72.41	69.89
Operating Expenses	145.98	130.92	125.39	121.07	119.29	119.24	118.26	117.40	109.88
Operating Income	127.09	106.69	98.57	101.04	110.64	70.27	71.99	70.54	68.51
Other Income/Expense
Interest Income	345.72	313.44	268.65	197.74	178.17	176.44	185.40	171.45	155.70
Interest Expense	126.74	127.45	95.54	28.64	15.09	25.45	40.51	29.30	18.29
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	127.09	106.69	98.57	101.04	110.64	70.27	71.99	70.54	68.51
Income Tax Expense	29.03	23.87	20.56	19.23	22.70	10.76	7.45	11.31	17.02
Net Income	98.06	82.81	78.00	81.81	87.94	59.50	64.54	59.23	51.49
Net Income - Continuous Operations	98.06	82.81	78.00	81.81	87.94	59.50	64.54	59.23	51.49
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	131.34	111.69	5.35	106.26	5.03	75.61	77.51	74.33	72.52
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	4.24	5.00	5.35	5.22	5.03	5.35	5.52	3.79	4.01
Earnings Per Share
Basic EPS	5.00	5.00	4.00	5.00	5.00	3.00	4.00	3.00	3.00
Diluted EPS	5.00	5.00	4.00	5.00	5.00	3.00	4.00	3.00	3.00
Basic Shares Outstanding	18.03	17.95	17.89	17.84	17.79	17.75	17.72	17.69	17.63
Diluted Shares Outstanding	18.06	17.98	17.90	17.85	17.80	17.76	17.74	17.70	17.65

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Community Trust Bancorp Financial Statements

What was Community Trust Bancorp's revenue in fiscal 2025?

Community Trust Bancorp reported revenue of $409.34M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 8.9% from $376.01M a year earlier.

Is Community Trust Bancorp profitable?

Yes. Community Trust Bancorp earned net income of $98.06M in fiscal 2025, a net margin of 24.0%. In fiscal 2024 it earned $82.81M.

What is Community Trust Bancorp's operating margin?

Community Trust Bancorp's operating income was $127.09M on revenue of $409.34M in fiscal 2025, an operating margin of 31.0%, compared with 28.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition