Community Trust Bancorp (CTBI) Financials

$77.92

$0.25 (0.32%)

As on 14-Sep-2026 12:33EDT

Market cap

$1,411 Mln

Revenue (TTM)

$423 Mln

P/E Ratio

13

P/B Ratio

1.6

Div. Yield

2.7 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	422.65	409.34	376.01	326.31	255.66	238.63
Cost of Revenue	132.69	136.27	138.40	102.35	33.55	8.70
Gross Profit	289.96	273.07	237.61	223.96	222.11	229.93
Operating Expenses	150.01	145.98	130.92	125.39	121.07	119.29
Operating Profit (EBIT)	139.95	127.09	106.69	98.57	101.04	110.64
Other Income	--	--	--	--	--	-24.83
Profit before Tax	139.95	127.09	106.69	98.57	101.04	110.64
Provision for Tax	31.94	29.03	23.87	20.56	19.23	22.70
Profit after Tax (Net Income)	108.00	98.06	82.81	78.00	81.81	87.94
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	81.81	87.94

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	891.83	856.07	757.58	702.21	628.05	698.20
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	5,799.95	130.21	116.43	109.73	107.96	13.55
Current Liabilities	297.09	5,697.86	5,319.23	4,957.76	4,644.31	1.02
Total Liabilities	7,286.47	6,684.14	6,193.25	5,769.70	5,380.32	5,418.26

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	6,899.74	1,268.49	4,743.01	4,310.75	3,975.57	1,588.83
Current Assets	89.64	5,200.76	1,450.24	1,458.94	1,404.75	1,517.40
Total Assets	7,079.01	6,684.14	6,193.25	5,769.70	5,380.32	5,418.26
Total Debt*	377.54	389.79	320.19	306.71	291.76	330.65
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	104.99	105.17	85.73	99.68	115.70
Cash Flow from Investing Activities	--	-463.22	-335.67	-226.60	-280.01	-358.62
Cash from Financing Activities	--	352.41	328.61	283.58	-2.75	216.45
Net Cash Inflow / Outflow	--	--	--	--	--	-26.48

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	5.98	5.43	4.60	4.35	4.58	4.93
Cash EPS ($)	5.99	5.75	4.88	4.65	4.87	5.22
Adjusted Book Value ($)	49.10	47.39	42.07	39.17	35.14	39.18
Dividend per Share ($)	2.74	--	--	--	--	--
Cash Flow per Share ($)	--	5.81	5.84	4.78	5.58	6.49
Free Cash Flow per Share ($)	--	5.39	5.39	4.43	5.23	6.36

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	8.44	7.94	8.09	8.40	8.38
ROE (%)	12.36	12.15	11.35	11.73	12.34	13.00
ROA (%)	1.49	1.52	1.38	1.40	1.52	1.67
EBIT Margin (%)	24.04	31.05	28.37	30.21	39.52	46.37
Net Margin (%)	25.55	23.96	22.02	23.90	32.00	41.13
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	7.76	0.09	0.15	0.28	0.07	0.03
EBIT Growth (%)	-13.67	19.13	8.24	-2.45	-8.68	57.47
Net Profit Growth (%)	18.03	18.41	6.17	-4.66	-6.97	47.79
EPS Growth (%)	17.63	0.18	0.06	-0.05	-0.07	0.47
Book Value Growth (%)	10.14	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	12.97	10.41	11.53	10.08	10.03	8.84
Price / Book Value	1.58	1.19	1.26	1.12	1.31	1.11
Dividend Yield (%)	2.74	--	--	--	--	--
EV/EBITDA	--	7.95	-1.35	-3.30	-2.56	-3.41
Close Price ($)	72.36	56.50	53.03	43.86	45.93	43.61
High Price ($)	73.22	61.55	61.67	47.35	48.05	47.53
Low Price ($)	50.25	44.60	38.44	32.68	39.10	36.02
Market Cap ($ Cr)	1,411.10	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.07	0.46	0.42	0.44	0.46	0.47
Short term debt to equity ratio	0.33	0.36	0.32	0.32	0.34	0.39
Current Ratio	0.30	0.91	0.27	0.29	0.30	1,493.51
Quick Ratio	0.30	--	--	0.31	0.34	1,819.20
Interest Coverage	2.13	1.00	0.84	1.03	3.53	7.33

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	6.11	1,181.13	6.58	7.22	7.66	6.46
Asset Turnover	0.06	0.06	0.06	0.06	0.05	0.05
Receivable days	--	2,168.08	23.48	24.16	25.01	23.90
Inventory Days	--	--	-217.48	-418.60	-2,630.06	-14,538.12
Payable days	--	25.83	20.81	17.18	17.71	47.40
Cash Conversion Cycle	--	--	-214.81	-411.62	-2,622.76	-14,561.61

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.