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Community Trust Bancorp CTBI Free cash flow margin

Free cash flow margin at other companies

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Fifth Third BankFITB
16.1%
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Washington Trust BancorpWASH
41%
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Community Financial SystemCBU
28.7%+3.3pp
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Citizens Financial Services, Inc.CZFS
37%+8.8pp
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First Mid Bancshares, Inc.FMBH
31.2%-4.7pp
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Customers BancorpCUBI
39.8%-20.6pp

Other financials

Income statement

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Revenue$78.5M+11.8%
Net income$29.6M+19.0%
EPS (diluted)$1.64+18.8%

Balance sheet

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Cash & equivalents$514.3M+30.1%
Total debt$16.0M-0.5%
Total equity$891.8M+10.5%
Total assets$7.0B+9.4%

Cash flow

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Operating cash flow$44.1M+177%
CapEx$1.0M-56.7%
Free cash flow$43.1M+217%

Valuation

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Market cap$1.42B+48.3%
Enterprise value$925.14M+59.4%
P/E13.2×+2.7×
P/S4.8×+1.1×

Profitability

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Net margin36.1%+1.6pp

Returns & leverage

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Return on equity12.7%+0.7pp
Debt / equity0.0×

Where this comes from

Calculated from Community Trust Bancorp’s reported figures.

Based on trailing twelve months.

The source filing: Community Trust Bancorp’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 8:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031763

FAQ

What is Community Trust Bancorp's free cash flow margin?
Community Trust Bancorp (CTBI) reported free cash flow margin of 43.6% in Q2 2026.
How has Community Trust Bancorp's free cash flow margin changed year-over-year?
Community Trust Bancorp's free cash flow margin increased by 12.2% year-over-year, from 38.8% to 43.6%.
What is the long-term trend for Community Trust Bancorp's free cash flow margin?
Over 5 years (2020 to 2025), Community Trust Bancorp's free cash flow margin has grown at a 3.1% compound annual growth rate (CAGR), from 29.6% to 34.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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