Community Trust Bancorp (CTBI) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

Financial Performance - Community Trust Bancorp (CTBI) reported revenue of $66.16 million for the quarter ended March 2025, reflecting a 12.1% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $1.22, up from $1.04 in the same quarter last year, with an EPS surprise of +2.52% over the consensus estimate of $1.19 [1] Key Metrics - Efficiency ratio was reported at 51.9%, better than the average estimate of 53.1% [4] - Net Interest Margin stood at 3.6%, exceeding the estimated 3.4% [4] - Average balances of interest-earning assets were $5.85 billion, slightly below the average estimate of $5.87 billion [4] - Net charge-offs as a percentage of average loans and leases were 0.1%, better than the estimated 0.2% [4] - Total Non-Interest Income was $14.90 million, below the estimated $15.28 million [4] - Net Interest Income was reported at $51.27 million, surpassing the estimated $49.89 million [4] - Deposit related fees were $6.82 million, lower than the estimated $7.24 million [4] - Loan related fees were $0.97 million, below the average estimate of $1.10 million [4] - Trust revenue was $3.98 million, slightly below the estimated $3.99 million [4] Stock Performance - Shares of Community Trust Bancorp have returned -8.3% over the past month, compared to the Zacks S&P 500 composite's -4.2% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]