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Community Trust Bancorp CTBI Free cash flow margin

Free cash flow margin at other companies

Fifth Third Bank logo
Fifth Third BankFITB
16.1%—
STB
S&T BancorpSTBA
34.9%-4.9pp
Community Financial System logo
Community Financial SystemCBU
28.9%+3.3pp
Trico Bancshares logo
Trico BancsharesTCBK
32.2%+6.0pp
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
27.9%-13.9pp
CNB Financial logo
CNB FinancialCCNE
21.9%-2.1pp

Other financials

Income statement

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Revenue$74.2M+12.1%
Net income$27.2M+23.8%
EPS (diluted)$1.50+23.0%

Balance sheet

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Cash & equivalents$358.7M+5.3%
Total debt$16.0M-2.8%
Total equity$871.2M+11.1%
Total assets$6.7B+7.4%

Cash flow

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Operating cash flow$39.5M+7.9%
CapEx$1.6M-25.2%
Free cash flow$37.9M+9.9%

Valuation

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Market cap$1.29B+41.6%
Enterprise value$945.87M+61.5%
P/E12.5×+1.9×
P/S4.4×+0.9×

Profitability

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Net margin35.5%+1.9pp

Returns & leverage

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Return on equity12.5%+0.9pp
Debt / equity0×0.0×

Where this comes from

Calculated from Community Trust Bancorp’s reported figures.

free cash flow/total revenue=34.7%

Based on trailing twelve months.

The official record: Community Trust Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Trust Bancorp's free cash flow margin?
Community Trust Bancorp (CTBI) reported free cash flow margin of 34.7% in Q1 2026.
How has Community Trust Bancorp's free cash flow margin changed year-over-year?
Community Trust Bancorp's free cash flow margin decreased by 17.6% year-over-year, from 42.1% to 34.7%.
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.