Community Trust Bancorp, Inc. (NASDAQ: CTBI) Financial Performance Analysis

Core Insights - Community Trust Bancorp, Inc. (CTBI) is a significant entity in the Zacks Banks - Southeast industry, providing a wide range of banking services while striving to achieve strong financial results despite competitive pressures [1] Financial Performance - For Q3 2025, CTBI reported an Earnings Per Share (EPS) of $1.32, which was below the expected $1.38, resulting in a negative earnings surprise of 4.35%. However, this EPS reflects an improvement from the previous year's $1.23, indicating growth in profitability [2][6] - The company's revenue for the quarter was $71.5 million, slightly under the forecast of $72.05 million, but it represented a 13.4% increase compared to the same period last year. This revenue figure also marginally exceeded the Zacks Consensus Estimate of $71.4 million, leading to a positive surprise of 0.14% [3][6] - CTBI's net income for Q3 2025 was $23.9 million, a decrease from $24.9 million in the previous quarter but an increase from $22.1 million in Q3 2024, demonstrating a consistent year-over-year growth trend despite quarterly fluctuations [4][6] Financial Ratios - The return on average assets was reported at 1.46%, and the return on average equity was 11.53%, both showing slight declines from the previous quarter. The efficiency ratio was 50.86%, indicating the company's operational efficiency [5] - CTBI's debt-to-equity ratio stood at 0.38, and the current ratio was 0.18, suggesting a moderate level of debt but potential liquidity concerns [5]