Community Trust Bancorp, Inc.
Description
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that engages in the provision of commercial and personal banking, and trust and wealth management services to small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia, and northeastern Tennessee. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.
About
CEO
Mr. Mark A. Gooch CTB
Employees
943
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
346 North Mayo Trail, Pikeville, KY 41502, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 13, 2026 | — | — | — | — |
| Oct 14, 2025 | — | — | — | — |
| Jul 15, 2025 | — | — | — | — |
| Apr 15, 2025 | — | — | — | — |
| Jan 15, 2025 | 1.20 | 1.25 | 0.05 | 4.17% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 3 | 3 | 3 | 3 |
| Average estimate | 1.19 | 1.25 | 5.06 | 5.35 |
| Low estimate | 1.17 | 1.24 | 5.00 | 5.25 |
| High estimate | 1.24 | 1.27 | 5.14 | 5.45 |
| Last year EPS | 1.04 | 1.09 | 4.61 | 5.06 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
14.740%
Next qtr. (Jun 2025)
14.680%
Current year (Dec 2025)
9.830%
Next year (Dec 2026)
5.660%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 230.77M | 227.02M | 223.54M | 205.55M | 195.07M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 79.41M | 76.94M | 78.42M | 70.46M | 73.99M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 98.57M | 101.04M | 110.64M | 70.27M | 71.99M |
| Tax provision | 20.56M | 19.23M | 22.70M | 10.76M | 7.45M |
| Net income | 78.00M | 81.81M | 87.94M | 59.50M | 64.54M |
| Basic EPS | 4.36 | 4.59 | 4.94 | 3.35 | 3.64 |
| Diluted EPS | 4.36 | 4.58 | 4.94 | 3.35 | 3.64 |
| Basic average shares | 17.89M | 17.84M | 17.79M | 17.75M | 17.72M |
| Diluted average shares | 17.89M | 17.84M | 17.79M | 17.75M | 17.72M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 78.00M | 81.81M | 87.94M | 59.50M | 64.54M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 58.83M | 51.31M | 46.56M | 54.25M | 58.68M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 271.65M | 128.93M | 312.00M | 338.48M | 264.93M |
| Other short term investments | 1.16B | 1.26B | 1.46B | 997.26M | 599.84M |
| Accounts receivable | 23.58M | 19.59M | 15.42M | 15.82M | 14.84M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 15.70M | 17.07M | 12.15M | 13.22M | 14.55M |
| Land and improvements | 82.93M | 81.35M | 80.02M | 80.96M | 80.55M |
| Machinery furniture equipment | 39.70M | 43.53M | 40.84M | 40.62M | 39.96M |
| Construction in progress | 2.79M | 589,000 | 1.48M | 498,000 | 75,000 |
| Leases | 4.86M | 4.80M | 4.83M | 4.81M | 4.81M |
| Accumulated depreciation | -84.96M | -87.63M | -86.68M | -84.88M | -81.35M |
| Goodwill | 138.65M | 139.45M | 137.75M | 135.05M | 134.24M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 7.67M | 8.47M | 6.77M | 4.07M | 3.26M |
| Investments and advances | 1.17B | 1.26B | 1.46B | 999.73M | 602.31M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 7.39M | 2.24M | 1.02M | 1.24M | 2.84M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 80.97M | 75.82M | 71.22M | 72.21M | 73.44M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | 546,000 | 4.69M | 5.11M |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 90.00M | 89.59M | 89.22M | 89.05M | 88.97M |
| Retained earnings | 484.40M | 438.60M | 386.75M | 326.74M | 296.76M |
| Other shareholders equity | -103.32M | -129.15M | -4.85M | 13.57M | 4.25M |
| Total shareholders equity | 702.21M | 628.05M | 698.20M | 654.87M | 614.89M |
| Additional paid in capital | 231.13M | 229.01M | 227.09M | 225.51M | 224.91M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 78.00M | 81.81M | 87.94M | 59.50M | 64.54M | 59.23M | 51.49M | 47.35M | 46.43M | 43.25M | 45.17M | 44.86M | 38.83M | 33.03M | 25.06M | 23.07M | 36.63M | 39.06M | 34.41M | 30.95M | 28.89M | 27.60M | 22.27M | 22.35M | 21.85M | 14.00M | 16.00M | 18.80M | 10.80M | 7.50M | 13.60M | 12.00M | 7.90M |
| Depreciation | 5.35M | 5.22M | 5.03M | 5.35M | 5.52M | 3.79M | 4.01M | 3.90M | 3.93M | 4.31M | 4.56M | 4.32M | 4.22M | 4.38M | 5.24M | 5.11M | 5.67M | 6.78M | 6.82M | 5.72M | 5.85M | 5.08M | 7.16M | 7.35M | 7.65M | 5.70M | 5.10M | 4.90M | 4.40M | 1.30M | 4.30M | 3.50M | 2.50M |
| Deferred Taxes | 709,000 | 3.25M | 2.33M | -2.91M | -1.41M | -246,000 | -3.09M | 701,000 | 115,000 | -1.05M | 582,000 | 5.44M | -94,000 | 219,000 | 2.92M | -5.77M | 955,000 | 4.19M | 745,000 | 1.89M | 561,000 | 2.45M | 1.47M | 545,000 | — | — | — | 400,000 | — | -300,000 | — | -1.50M | -1.00M |
| Stock-Based Compensation | 1.58M | 1.37M | 850,000 | 944,000 | 859,000 | 710,000 | 636,000 | 458,000 | 783,000 | 852,000 | 698,000 | 592,000 | 650,000 | 804,000 | 556,000 | 712,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -2.77M | -1.07M | 21.18M | -18.72M | 288,000 | -3.19M | 7,000 | 16,000 | 1.16M | -1.02M | 22.21M | -20.88M | 1.22M | 1.67M | -2.26M | 653,000 | -64.20M | 5.42M | 11.13M | 12.13M | 16.66M | 171.97M | 128.46M | 38.19M | 14.44M | 30.00M | 93.00M | -60.70M | 2.80M | 17.10M | 33.80M | 59.50M | 5.20M |
| Accounts Receivable | -3.98M | -4.18M | 403,000 | -982,000 | -404,000 | -1.09M | -1.42M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | 5.15M | 1.22M | -227,000 | -1.60M | -63,000 | -674,000 | -1.03M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -6.19M | 3.12M | 2.53M | 5.99M | 2.50M | -5.03M | -337,000 | -331,000 | -8.76M | -1.40M | 4.97M | 8.92M | -1.96M | 2.90M | -13.38M | 2.46M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 77.85M | 90.74M | 120.03M | 47.58M | 71.82M | 53.49M | 50.27M | 52.09M | 43.66M | 44.95M | 78.19M | 43.26M | 42.86M | 43.01M | 18.13M | 26.23M | -20.95M | 55.45M | 53.11M | 50.69M | 51.96M | 207.10M | 159.35M | 68.43M | 43.94M | 49.70M | 114.10M | -36.60M | 18.00M | 25.60M | 51.70M | 73.50M | 14.60M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -5.95M | -5.60M | -1.54M | -1.48M | -2.52M | -2.74M | -2.38M | -3.49M | -2.01M | -2.00M | -2.06M | -4.19M | -2.85M | -2.42M | -4.17M | -3.30M | -2.74M | -2.82M | -5.29M | -7.00M | -3.07M | -3.54M | -6.40M | -1.74M | -1.78M | -6.10M | -5.10M | -3.10M | -4.80M | -5.20M | -6.90M | -2.10M | -4.70M |
| Net Intangibles | — | — | — | — | — | — | -8.82M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | — | — | — | — | — | — | — | — | 2.91M | — | — | — | — | -4.31M | — | — | -577,000 | -11.91M | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -19.48M | -179.63M | -797.45M | -857.17M | -196.73M | -281.51M | -231.68M | -176.24M | -81.46M | -217.95M | -197.26M | -285.80M | -313.10M | -169.09M | -140.48M | -58.25M | -76.05M | -218.45M | -108.08M | -305.05M | -305.90M | -327.72M | -321.30M | -54.67M | -56.54M | -195.30M | -24.70M | -51.90M | -179.00M | -129.10M | -276.90M | -192.90M | -121.00M |
| Sale of Investments | 146.19M | 205.31M | 306.44M | 468.20M | 199.99M | 263.03M | 247.26M | 159.54M | 123.27M | 198.43M | 155.35M | 209.45M | 130.52M | 140.23M | 152.52M | 110.11M | 188.04M | 195.45M | 174.54M | 262.99M | 380.09M | 208.99M | 160.05M | 104.85M | 102.90M | 94.00M | 112.20M | 112.30M | 239.80M | 106.00M | 189.00M | 100.10M | 98.20M |
| Investing Cash Flow | 117.62M | 22.46M | -504.67M | -387.00M | 8.00M | -13.32M | 16.78M | -14.58M | 48.99M | -12.54M | -41.37M | -69.84M | -179.81M | -21.15M | 30.32M | 53.00M | 37.32M | -91.64M | -78.04M | -219.38M | -49.43M | -217.32M | -321.26M | -64.74M | -88.26M | -125.60M | -123.50M | -72.80M | -28.10M | -93.40M | -97.70M | -102.20M | -56.00M |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 231.56M | 45.00M | — | 25.00M | 30.00M | — | 350.00M | 50.00M | 170.00M | 60.00M | 30.00M | — | 571,000 | 40.00M | 20.00M | 20.00M | 61.34M | — | — | — | — | 25.00M | — | — | — | 5.50M | 34.50M | 1.00M | 13.50M | 16.10M | 51.80M | 36.00M | 8.40M |
| Long-Term Debt Payments | -225.22M | -45.04M | -39,000 | -25.04M | -31.32M | -409,000 | -351.54M | -150.11M | -130.11M | -116,000 | -30.14M | -20.18M | -200,000 | -40.63M | -60.06M | -8.61M | -61.34M | — | — | — | -1.10M | -16.25M | -116,000 | -114,000 | -149,000 | -5.10M | -200,000 | -9.70M | -10.60M | -21.80M | -26.60M | -4.00M | -6.00M |
| Other Financing Charges | — | — | — | — | — | — | — | -100,000 | -104,000 | -760,000 | -572,000 | -496,000 | -23,000 | -205,000 | -391,000 | -330,000 | -245,000 | — | — | 46,000 | — | — | — | — | — | -100,000 | 100,000 | — | 100,000 | -100,000 | 6.00M | -10.40M | 17.00M |
| Financing Cash Flow | -24.71M | -28.94M | -26.99M | -27.35M | -26.29M | -23.57M | -23.01M | -119.80M | 20.35M | 40.55M | -18.91M | -35.50M | -17.10M | -17.29M | -32.52M | -14.67M | -57.17M | -26.32M | -10.34M | 134.21M | 22.28M | -15.17M | 10.42M | -4.99M | -43.01M | -75.70M | 31.30M | 56.20M | -33.40M | -11.40M | 29.70M | 18.20M | 13.50M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 271.40M | 128.69M | 311.76M | 338.24M | 264.68M | 141.45M | 175.27M | 144.72M | 187.61M | 105.52M | 106.64M | 207.56M | 238.48M | 158.98M | 142.13M | 140.88M | 137.25M | 157.54M | 122.21M | 129.58M | 88.96M | 142.21M | 209.80M | 169.72M | 107.46M | 233.10M | 61.40M | — | — | — | — | — | — |
| Income Tax Paid | 20.73M | 16.29M | 19.49M | 13.28M | 9.99M | 9.70M | 21.40M | 19.24M | 20.53M | 15.82M | 20.83M | 11.75M | 13.68M | 15.82M | 6.70M | 16.43M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 90.39M | 27.42M | 15.32M | 27.05M | 40.58M | 28.62M | 17.27M | 13.43M | 11.61M | 11.92M | 13.72M | 22.45M | 27.68M | 36.10M | 49.42M | 65.24M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 79.41M | 93.47M | 113.32M | 60.90M | 80.89M | 62.66M | 59.95M | 57.93M | 52.73M | 55.45M | 88.61M | 53.60M | 61.21M | 58.88M | 33.50M | 51.45M | 48.26M | 52.66M | 36.04M | 45.55M | 34.24M | 194.89M | 137.65M | 70.79M | 48.37M | 23.50M | 100.20M | -43.10M | 15.60M | 20.00M | 39.20M | 69.10M | 10.50M |
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