Community Trust Bancorp (CTBI) Cash Flow: Operating & Free Cash Flow

Community Trust Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Community Trust Bancorp, Inc. (CTBI) - 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
Operating Activities
Net Income	98.06	82.81	78.00	81.81	87.94	59.50	64.54	59.23	51.49
Depreciation & Amortization	5.75	5.00	5.35	5.22	5.03	5.35	5.52	3.79	4.01
Deferred Income Tax	-2.94	-1.73	0.71	3.25	2.33	-2.91	-1.41	-0.25	-3.09
Stock Based Compensation	1.77	1.35	1.58	1.37	0.85	0.94	0.86	0.71	0.64
Change in Working Capital	-7.79	9.76	-5.02	0.16	2.71	3.41	2.03	-6.80	-2.78
Change in Accounts Receivable	-1.20	-1.18	-3.98	-4.18	0.40	-0.98	-0.40	-1.09	-1.42
Change in Accounts Payable	0.16	0.99	5.15	1.22	-0.23	-1.60	-0.06	-0.67	-1.03
Change in Other Working Capital	-6.75	-4.46	-7.75	3.12	2.53	5.99	2.50	-5.03	-0.34
Other Operating Activities	10.14	-4.46	-1.06	7.88	16.84	-3.92	11.92	8.81	12.09
Net Cash from Operating Activities	104.99	105.33	85.85	99.68	115.70	62.38	83.46	65.49	62.35
Investing Activities
Capital Expenditures	-7.60	-8.08	-6.32	-6.22	-2.37	-1.48	-2.57	-2.83	-2.40
Acquisitions	1.11	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Purchases of Investments	-232.46	-55.37	-19.48	-179.63	-797.45	-857.17	-196.73	-281.51	-231.68
Sales/Maturities of Investments	212.19	167.40	146.19	205.31	306.44	468.20	199.99	263.03	247.26
Other Investing Activities	-417.34	-439.63	-5.11	-299.47	134.76	-303.08	-35.19	-79.27	-199.77
Net Cash from Investing Activities	-463.22	-335.67	-226.60	-280.01	-358.62	-693.53	-34.49	-100.59	-186.59
Financing Activities
Debt Repayment	68.20	-100.40	-225.34	-0.04	-0.04	-0.04	-1.32	-0.41	-1.54
Common Stock Issued	1.32	1.77	1.13	1.04	0.97	0.93	1.26	1.23	1.51
Common Stock Repurchased	0.00	0.00	0.00	0.00	0.00	-1.10	0.00	0.00	0.00
Dividends Paid	-35.98	-33.41	-32.19	-29.94	-27.92	-27.14	-26.24	-24.40	-22.98
Other Financing Activities	318.87	360.49	308.29	26.19	243.44	732.05	100.55	24.85	177.80
Net Cash from Financing Activities	352.41	328.45	283.46	-2.75	216.45	704.70	74.27	1.28	154.79
Summary
Net Change in Cash	-5.82	98.11	142.71	-183.07	-26.48	73.55	123.23	-33.82	30.56
Cash at Beginning of Period	369.51	271.40	128.69	311.76	338.24	264.68	141.45	175.27	144.72
Cash at End of Period	363.68	369.51	271.40	128.69	311.76	338.24	264.68	141.45	175.27
Free Cash Flow	97.39	97.25	79.53	93.47	113.32	60.90	80.89	62.66	59.95
Supplemental Disclosures
Interest Paid	-	126.46	90.39	27.42	15.32	-	-	-	-
Income Taxes Paid	-	20.61	20.73	16.29	19.49	-	-	-	-

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 Cash Flow

What is Community Trust Bancorp's free cash flow?

Community Trust Bancorp generated free cash flow of $97.39M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $104.99M minus $7.60M of capital expenditures. That was up 0.1% from $97.25M a year earlier. Free cash flow equaled 23.8% of revenue.

How much does Community Trust Bancorp spend on capital expenditures?

Community Trust Bancorp spent $7.60M on capital expenditures in fiscal 2025, compared with $8.08M a year earlier. That equals 7.2% of operating cash flow.

Does Community Trust Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Community Trust Bancorp returned $35.98M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition