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Community Trust Bancorp CTBI Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$74.7MBeat by $720.0K
EPS$1.51Beat by $0.08
Revenue estimate$74.0M
EPS estimate$1.43

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$79.9M
EPS estimate$1.65

Financials

Q4 2025

Income statement

See full
Revenue$74.7M+13.8%
Net income$27.3M+21.3%
EPS (diluted)$1.51+20.8%

Balance sheet

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Cash & equivalents$363.7M-1.6%
Total debt$325.7M+27.3%
Total equity$856.1M+13.0%
Total assets$6.7B+7.9%

Cash flow

See full
Operating cash flow$14.9M-33.4%
CapEx$2.0M-34.8%
Free cash flow$13.0M-33.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.02B+6.9%
Enterprise value$985.58M+16.8%
P/E10.4×-1.1×
P/S3.6×-0.2×

Profitability

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Net margin34.7%+1.4pp
FCF margin34.5%-4.7pp

Returns & leverage

See full
Return on equity12.2%+0.8pp
Debt / equity0.4×0.0×

FAQ

When did Community Trust Bancorp report Q4 2025 earnings?
Community Trust Bancorp (CTBI) reported Q4 2025 earnings on January 21, 2026 before market open.
What were Community Trust Bancorp's Q4 2025 revenue and EPS?
Community Trust Bancorp reported revenue of $74.7M and eps of $1.51 for Q4 2025.
Did Community Trust Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $74.0M by $720.0K. EPS beat the consensus estimate of $1.43 by $0.08.
How did Community Trust Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 23.9% from $98.1M a year earlier and eps grew 20.8% from $1.25.
Where can I find Community Trust Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000350852-26-000015) and the 10-K periodic report (0001140361-26-007058) directly on SEC EDGAR. The filing index links above go to sec.gov.