2025 is shaping up to be a decent year for Kentucky-based Community Trust Bancorp (NASDAQ: CTBI ). Its net interest margin is expanding, the balance sheet is growing and, for now at least, asset quality remains resilient. All ofI like to take a long term, buy-and-hold approach to investing, with a bias toward stocks that can sustainably post high quality earnings. Mostly found in the dividend and income section. Blog about various US/Canadian stocks at 'The Compound Investor', and predominantly UK names on ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Commission file number 001-31220 COMMUNITY TRUST BANCORP, INC. (Exact name of registrant as specified in its charter) Kentucky 61-0979818 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 346 North Mayo Trail P.O. Box 2947 Pikeville, Kentucky 41502 (Address of principal executive of ices) (Zip code) Common Stock (Title of class) CTBI The NASDAQ Global Select Market (Trading symbol ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield ...

Community Trust Bancorp (CTBI) could be a solid choice for investors given the company's remarkably improving earnings outlook. While the stock has been a strong performer lately, this trend might continue since analysts are still raising their earnings estimates for the company.The upward trend in estimate revisions for this bank holding company for Community Trust Bank reflects growing optimism of analysts on its earnings prospects, which should get reflected in its stock price. After all, empirical resea ...

COMMUNITY TRUST BANCORP, INC. REPORTS RECORD EARNINGS FOR THE 2ND QUARTER 2025 Earnings Summary | (in thousands except per share data) | | 2025 | | 2025 | | 2024 | | 2025 | | 2024 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 2Q | | 1Q | | 2Q | | YTD | | YTD | | Net income | $ | 24,899 | $ | 21,972 | $ | 19,499 | $ | 46,871 | $ | 38,178 | | Earnings per share | $ | 1.38 | $ | 1.22 | $ | 1.09 | $ | 2.60 | $ | 2.13 | | Earnings per share - diluted | $ | 1.38 | $ | 1.22 | $ | 1.09 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Commission file number 001-31220 COMMUNITY TRUST BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 346 North Mayo Trail P.O. Box 2947 Pikeville, Kentucky 41502 (Address of principal executive of ices) (Zip code) Kentucky 61-0979818 (606) 432-1414 (Registrant's telephone number) Securities registered pursuant to S ...

For the quarter ended March 2025, Community Trust Bancorp (CTBI) reported revenue of $66.16 million, up 12.1% over the same period last year. EPS came in at $1.22, compared to $1.04 in the year-ago quarter.The reported revenue represents a surprise of +1.79% over the Zacks Consensus Estimate of $65 million. With the consensus EPS estimate being $1.19, the EPS surprise was +2.52%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to deter ...

Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.22 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.04 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 2.52%. A quarter ago, it was expected that this bank holding company for Community Trust Bank would post earnings of $1.20 per share when it actually produced earnings of $1.25, delivering a surprise of 4.1 ...

Financial Performance - Community Trust Bancorp, Inc. reported net income of $21.972 million for Q1 2025, a decrease of 2.3% from $22.493 million in Q4 2024, but an increase of 17.3% from $18.679 million in Q1 2024[1] - Earnings per share for Q1 2025 were $1.22, down from $1.25 in Q4 2024 and up from $1.04 in Q1 2024[1] - Noninterest income decreased to $14.9 million, down $1.3 million, or 7.8%, from the prior quarter and $0.2 million, or 1.6%, from the same quarter last year[7] - The efficiency ratio for Q1 2025 was 51.86%, slightly up from 51.60% in Q4 2024 and down from 54.94% in Q1 2024[1] Income and Expenses - Net interest income for the quarter was $51.3 million, an increase of $1.7 million, or 3.5%, from the prior quarter and $7.7 million, or 17.6%, from the same quarter last year[2] - The provision for credit losses increased to $3.6 million, up $1.0 million from the prior quarter and $0.9 million from the same quarter last year[2] - Total noninterest expense for Q1 2025 was $34.2 million, an increase of $0.4 million, or 1.3%, from the prior quarter and $2.0 million, or 6.2%, from the same quarter last year[8] Loan and Deposit Growth - The loan portfolio increased to $4.6 billion, up $149.9 million, or an annualized 13.5%, from December 31, 2024, and $475.4 million, or 11.4%, from March 31, 2024[6] - Deposits, including repurchase agreements, reached $5.4 billion, an increase of $47.5 million, or an annualized 3.6%, from December 31, 2024, and $338.9 million, or 6.8%, from March 31, 2024[6] - Total loans increased to $4.6 billion, up $149.9 million or an annualized 13.5% from the prior quarter and $475.4 million or 11.4% year-over-year[10] - Total deposits and repurchase agreements reached $5.4 billion, an increase of $47.5 million or an annualized 3.6% from the prior quarter and $338.9 million or 6.8% year-over-year[11] Shareholders' Equity - Shareholders' equity increased to $784.2 million, up $26.6 million, or an annualized 14.2%, during the quarter and $76.4 million, or 10.8%, from March 31, 2024[6] - Shareholders' equity rose to $784.2 million, up $26.6 million or an annualized 14.2% during the quarter and $76.4 million or 10.8% year-over-year[12] Asset Management - Total assets increased to $6,276,518,000 as of March 31, 2025, up from $6,193,245,000 as of December 31, 2024, representing a growth of 1.34%[23] - Net loans reached $4,579,575,000, an increase from $4,431,669,000 as of December 31, 2024, reflecting a growth of 3.34%[23] - Total deposits rose to $5,111,305,000, compared to $5,070,189,000 as of December 31, 2024, indicating an increase of 0.81%[23] - The community bank leverage ratio improved to 13.81% as of March 31, 2025, compared to 13.76% as of December 31, 2024[23] Loan Quality - Nonperforming loans decreased to $26.5 million from $26.7 million in the prior quarter but increased from $15.9 million year-over-year[13] - Nonaccrual loans decreased to $15,692,000 from $16,369,000 as of December 31, 2024, showing a decline of 4.14%[23] - 30-89 days past due loans decreased to $14,537,000 from $16,833,000 as of December 31, 2024, indicating a decline of 13.61%[23] - The company reported no loans held for sale as of March 31, 2025, compared to $184,000 as of December 31, 2024[23] Investment Portfolio - The investment portfolio decreased by $46.7 million or an annualized 17.9% from the prior quarter, as management reinvested certain maturities into the loan portfolio[10] Dividend and Ratios - The annualized dividend yield to shareholders was 3.73% as of March 31, 2025[12] - The tangible equity to tangible assets ratio increased to 11.57% from 11.29% as of December 31, 2024[23] - The number of full-time equivalent employees (FTE) rose to 939, compared to 934 as of December 31, 2024[23] - The net interest margin (tax equivalent) improved to 3.57% from 3.43% in the previous quarter[20] - The efficiency ratio (tax equivalent) was 51.86%, slightly up from 51.60% in the prior quarter[20]

Wall Street expects a year-over-year increase in earnings on higher revenues when Community Trust Bancorp (CTBI) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the ...