CTBICOMMUNITY TRUST BANCORP INC /KY/
State Commercial Banks
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- −$451M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear107% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear34% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $88M | $82M | $78M | $83M | $98M | 18% |
| Operating cash flow | $116M | $100M | $86M | $105M | $105M | 0.3% |
| Capex | $2M | $6M | $6M | $8M | $8M | 5.9% |
| Stock-based comp | $850K | $1M | $2M | $1M | $2M | 31% |
| Buybacks | $0 | $0 | — | — | — | |
| Dividends | $28M | $30M | $32M | $33M | $36M | 7.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.