Here's What Key Metrics Tell Us About Community Trust Bancorp (CTBI) Q4 Earnings

Core Viewpoint - Community Trust Bancorp (CTBI) demonstrated strong financial performance for the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was reported at $74.72 million, reflecting a 13.3% increase compared to the same period last year [1] - EPS was reported at $1.51, an increase from $1.25 in the year-ago quarter, resulting in a surprise of +5.97% over the consensus estimate of $1.43 [1] - The revenue exceeded the Zacks Consensus Estimate of $73.15 million by +2.15% [1] Key Metrics - Efficiency ratio stood at 48.7%, better than the average estimate of 50.5% based on two analysts [4] - Net Interest Margin was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Average Balances of Interest-earning assets were $6.32 billion, compared to the estimated $6.29 billion [4] - Total Non-Interest Income was $16.6 million, surpassing the average estimate of $16 million [4] - Net Interest Income reached $58.12 million, exceeding the average estimate of $57.2 million [4] Stock Performance - Shares of Community Trust Bancorp have returned +1.4% over the past month, contrasting with the Zacks S&P 500 composite's -0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]