Community Trust Bancorp

CTBI

Market cap $945M

Community Trust Bancorp, Inc. delivered mixed Q3 results, with loan and deposit growth but some softening in return and asset quality metrics. CTBI saw net interest income rise 2.8% sequentially and 17.7% year-over-year, reflecting robust loan demand and strong margins. Asset quality showed minor deterioration, with increased provisions and net charge-offs, though overall levels remain manageable and within normal variance.

The headline numbers for Community Trust Bancorp (CTBI) give insight into how the company performed in the quarter ended September 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.32 per share, missing the Zacks Consensus Estimate of $1.38 per share. This compares to earnings of $1.23 per share a year ago.

PIKEVILLE, Ky.--(BUSINESS WIRE)--Community Trust Bancorp, Inc. (NASDAQ-CTBI): Earnings Summary (in thousands except per share data)   3Q 2025   2Q 2025   3Q 2024   YTD 2025   YTD 2024 Net income $23,911 $24,899 $22,142 $70,782 $60,320 Earnings per share $1.33 $1.38 $1.23 $3.93 $3.36 Earnings per share - diluted $1.32 $1.38 $1.23 $3.92 $3.36             Return on average assets 1.46% 1.58% 1.50% 1.50% 1.38% Return on average equity 11.53% 12.51% 11.77% 11.84% 11.15% Efficiency ratio 50.86% 50.70.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

Dividend growth investing provides steady, increasing income and long-term capital appreciation, with a focus on companies consistently raising payouts. This week's highlighted stocks feature an average dividend increase of 7.1% and a median streak of 12 years, mostly from regional banks. JJSF stands out as a potential turnaround opportunity, trading 40% off its high and showing minimal returns over the past decade.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

Community Trust Bancorp enjoyed a good first half to the year, with a wider net interest margin driving over 20% year-on-year growth in earnings per share. Asset quality remains resilient. Net charge-offs and early-stage delinquencies are both stable since my last update. The stock trades for 1.2x book value. Given a 4% dividend yield, circa 40% payout ratio, and a solid double-digit return on equity, a double-digit annualized return for investors remains doable.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?