Community Trust Bancorp (CTBI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Community Trust Bancorp (CTBI) reported a revenue of $71.5 million for the quarter ended September 2025, reflecting a year-over-year increase of 13.4% [1] - The earnings per share (EPS) for the quarter was $1.32, up from $1.23 in the same quarter last year, although it fell short of the consensus estimate of $1.38 by 4.35% [1] Financial Performance Metrics - The efficiency ratio was reported at 50.9%, slightly above the average estimate of 49.9% from three analysts [4] - Average balances of interest-earning assets were $6.15 billion, exceeding the average estimate of $6.07 billion [4] - The net interest margin was reported at 3.6%, matching the average estimate from three analysts [4] - Net charge-offs as a percentage of average loans and leases were 0.1%, better than the average estimate of 0.2% from two analysts [4] - Total non-interest income was $15.95 million, slightly below the average estimate of $15.97 million [4] - Net interest income was $55.55 million, surpassing the average estimate of $55.45 million [4] - Deposit-related fees were reported at $8.13 million, higher than the average estimate of $7.7 million [4] - Loan-related fees were $0.9 million, below the average estimate of $1.13 million [4] - Trust revenue was $4.28 million, exceeding the average estimate of $4.07 million [4] Stock Performance - Shares of Community Trust Bancorp have returned +0.9% over the past month, compared to a +1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]