COMMUNITY TRUST BANCORP INC /KY/ financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
CTBI on Nasdaq
Location
Pikeville, KY
Fiscal year end
31 December
Latest financial report
27 Feb 2026

Quick Takeaways

  • CTBI - COMMUNITY TRUST BANCORP INC /KY/ financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 12%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+7.1%</span>.
  • Most recent SEC facts end date: 31 Jan 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-01-31) highlights Return On Equity 12.2%, Return On Assets 1.5%, and Debt-to-equity 6.93x.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

29.2/100

Weak Confidence low

Return On Equity

12%

Metric score 24.4/100

Return On Assets

1.5%

Metric score 0.0/100

Financial Health

Debt to Equity
6.93x

Strengths

NetIncomeLoss YoY

Watchpoints

Return On Equity, Return On Assets, and Debt-to-equity

Key metrics snapshot

Return On Equity

12%

YoY: +7.1%

Industry median: 10% (n=206)

View history

Return On Assets

1.5%

YoY: +10%

Industry median: 0.99% (n=206)

View history

Debt-to-equity

6.93x

YoY: -2.2%

Industry median: 8.71x (n=203)

View history

NetIncomeLoss YoY

18%

YoY:

Industry median: 16% (n=199)

View history

Profitability

Metric Latest value YoY change
Return On Equity 12% +7.1%
Return On Assets 1.5% +10%

Financial Health

Metric Latest value YoY change
Debt-to-equity 6.93x -2.2%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 18%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 18,150,771 +0.27%
Common Stock, Shares, Outstanding 18,115,847 +0.32%
Common Stock, Value, Issued $90,581,000 +0.32%
Weighted Average Number of Shares Outstanding, Basic 18,013,000 +0.35%
Weighted Average Number of Shares Outstanding, Diluted 18,044,000 +0.37%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $127,092,000 +19%
Income Tax Expense (Benefit) $29,034,000 +22%
Earnings Per Share, Basic 5.44 +18%
Earnings Per Share, Diluted 5.43 +18%
Cash and Cash Equivalents, at Carrying Value $363,684,000 -1.6%
Deferred Income Tax Assets, Net $20,856,000 -28%
Property, Plant and Equipment, Net $52,611,000 +6%
Operating Lease, Right-of-Use Asset $11,543,000 +1.1%
Goodwill $65,490,000 0%
Assets $6,684,138,000 +7.9%
Liabilities $5,828,066,000 +7.2%
Accumulated Other Comprehensive Income (Loss), Net of Tax $64,820,000 +34%
Retained Earnings (Accumulated Deficit) $593,888,000 +12%
Stockholders' Equity Attributable to Parent $856,072,000 +13%
Liabilities and Equity $6,684,138,000 +7.9%
Common Stock, Shares Authorized 25,000,000 0%
Common Stock, Shares, Issued 18,115,847 +0.32%
Common Stock, Par or Stated Value Per Share 5 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $363,684,000 -1.6%
Deferred Tax Assets, Gross $45,504,000 -15%
Operating Lease, Liability $11,924,000 +1.5%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $131,607,000 +50%
Lessee, Operating Lease, Liability, to be Paid $15,120,000 +1.3%
Property, Plant and Equipment, Gross $141,400,000 +2.7%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,850,000 +3.8%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,968,000 +9.9%
Operating Lease, Weighted Average Discount Rate, Percent 0.0375 +5%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $3,196,000 +0.88%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,482,000 -11%
Preferred Stock, Shares Authorized 300,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,040,000 -21%
Depreciation, Depletion and Amortization $4,000,000 +8.1%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY