Community Trust Bancorp Inc

Chart & Performance

D1W1MN

P/E

12.54

P/S

4.42

EPS

4.32

Div Yield, %

3.29%

Shrs. gr., 5y

0.22%

Rev. gr., 5y

2.66%

Revenues

221m

-2.51%

Net income

78m

-4.66%

CFO

86m

-14.00%

Dividend

Sep 13, 20240.47 USD/sh

Earnings

Jan 15, 2025

Profile

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. 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 products include 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, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

URL

https://investors.ctbi.com/overview/default.aspx

IPO date

Dec 29, 1987

Employees

975

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	221,320 -2.51%	227,018 1.55%	223,542 8.75%
Cost of revenue	(26,577)	76,942	86,462
Unusual Expense (Income)
NOPBT	247,897	150,076	137,080
NOPBT Margin	112.01%	66.11%	61.32%
Operating Taxes	20,564	19,228	22,704
Tax Rate	8.30%	12.81%	16.56%
NOPAT	227,333	130,848	114,376
Net income	78,004 -4.66%	81,814 -6.97%	87,939 47.79%
Dividends	(32,187)	(29,938)	(27,916)
Dividend yield	4.10%	3.65%	3.60%
Proceeds from repurchase of equity	1,129	1,041	965
BB yield	-0.14%	-0.13%	-0.12%
Debt
Debt current		217,855	272,806
Long-term debt	97,861	35,256	26,010
Deferred revenue		(25,370)
Other long-term liabilities	4,978,631	(15,391)	(13,551)
Net debt	(2,291,578)	(2,402,001)	(2,673,879)
Cash flow
Cash from operating activities	85,732	99,684	115,695
CAPEX	(6,322)	(6,218)	(2,373)
Cash from investing activities	(226,599)	(280,007)	(358,620)
Cash from financing activities	283,581	(2,747)	216,446
FCF	437,658	175,766	202,107
Balance
Cash	1,222,557	1,385,157	1,501,987
Long term investments	1,166,882	1,269,955	1,470,708
Excess cash	2,378,373	2,643,761	2,961,518
Stockholders' equity	471,078	399,035	471,117
Invested Capital	5,298,618	5,171,529	5,218,384
ROIC	4.34%	2.52%	2.23%
ROCE	4.30%	2.68%	2.41%
EV
Common stock shares outstanding	17,900	17,851	17,804
Price	43.86 -4.51%	45.93 5.32%	43.61 17.71%
Market cap	785,094 -4.24%	819,896 5.60%	776,432 18.02%
EV	(1,506,484)	(1,582,105)	(1,897,447)
EBITDA	253,248	155,295	142,113
EV/EBITDA
Interest	95,540	28,640	15,090
Interest/NOPBT	38.54%	19.08%	11.01%