Community Trust Bank

Community Trust offers time and demand deposits, checking accounts, negotiable order of withdrawal accounts, money market accounts, individual retirement accounts and Keogh plans, regular and term savings accounts, and certificates of deposit. The company’s loan portfolio comprises commercial loans, construction loans, secured and unsecured loans, mortgage loans, personal loans, residential and commercial real estate loans, lease-financing, lines of credit, revolving lines of credit, term loans, and asset-based financing. It also offers debit cards, cash management services, annuity and life insurance products, letters of credit, safe deposit boxes, and funds transfer services. In addition, the company, through its subsidiaries, operates as a trustee of personal trusts; as an executor of estates; as a trustee for employee benefit trusts; as a registrar, as a transfer agent, and as a paying agent for bond and stock issues; as a depository for securities; and as a provider of brokerage services. As of June 2, 2009, it had 71 banking locations across eastern, northeastern, central, and south central Kentucky; 6 banking locations in southern West Virginia; and 5 trust offices across Kentucky. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.

(Above information acquired from Bloomberg.com Business Week Financials Sector)

NASDAQ symbol: CTBI

Company Growth (employees)
Type
Public
HQ
Pikeville, US
Founded
1903
Size (employees)
996 (est)+2%
Website
ctbi.com
Community Trust Bank was founded in 1903 and is headquartered in Pikeville, US

Community Trust Bank Office Locations

Community Trust Bank has an office in Pikeville

Community Trust Bank Financials and Metrics

Community Trust Bank Financials

Community Trust Bank's revenue was reported to be $195 m in FY, 2016
USD

Net income (Q3, 2017)

13.8 m

EBIT (Q3, 2017)

34.3 m

Market capitalization (13-Nov-2017)

818.2 m

Cash (30-Sep-2017)

166.4 m

EV

711.1 m
Community Trust Bank's current market capitalization is $818.2 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

148.1 m188.9 m190.8 m195 m

Revenue growth, %

28%1%2%

Cost of goods sold

11.8 m13.6 m

Gross profit

179.1 m181.5 m
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Revenue

49.5 m45.8 m46.8 m48 m46.5 m48.3 m47.9 m47.5 m48.1 m49.9 m48.3 m50.7 m

Cost of goods sold

3.3 m2.9 m3 m3 m2.8 m2.9 m2.9 m3.2 m3.3 m3.5 m3.7 m4.2 m

Gross profit

46.2 m42.8 m43.8 m45 m43.6 m45.4 m45 m44.3 m44.8 m46.4 m44.7 m46.6 m

Gross profit Margin, %

93%94%94%94%94%94%94%93%93%93%92%92%
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

106.6 m105.5 m187.6 m144.7 m

Inventories

2.9 b

PP&E

52 m50 m48.2 m47.9 m

Goodwill

65.5 m65.5 m65.5 m65.5 m
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Cash

109 m193.7 m138 m118.5 m141 m145 m163.2 m162.4 m138.7 m121.2 m203 m127.8 m166.4 m

Inventories

2.6 b2.6 b2.6 b2.7 b2.7 b2.8 b2.8 b2.9 b2.9 b2.9 b3 b3.1 b

PP&E

51.9 m51.2 m50.6 m50.6 m49.4 m48.8 m48.5 m48.2 m48.1 m47.8 m47.3 m47 m

Goodwill

65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m
    USDFY, 2013FY, 2014FY, 2015FY, 2016

    Net Income

    45.2 m43.3 m46.4 m47.3 m

    Depreciation and Amortization

    4.6 m4.3 m3.9 m3.9 m

    Cash From Operating Activities

    90.7 m57.5 m55 m61.4 m

    Cash From Investing Activities

    (122 m)(144.1 m)(108.3 m)(86.1 m)
    USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

    Net Income

    12.7 m10.1 m12.2 m10.9 m10.9 m12.4 m11.2 m11.6 m11.6 m12.3 m11.3 m13.8 m

    Income Taxes Paid

    5.8 m4.5 m5.6 m4.9 m5 m
      Y, 2017

      EV/EBIT

      20.7 x

      Debt/Equity

      0.1 x

      Financial Leverage

      7.9 x
      Show all financial metrics

      Community Trust Bank Operating Metrics

      Community Trust Bank's Total Loans Issued was reported to be $3.1 b in Q2, 2017
      FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

      Bank Branches

      818080

      Locations

      828181

      Total Loans Issued

      $2.73 b$2.75 b$2.79 b$2.82 b$2.87 b$2.89 b$2.93 b$2.93 b$2.94 b$2.97 b$3.09 b

      Non-accrual Loans

      $20.97 m$17.26 m$16.49 m$14.72 m$16.56 m$18.45 m$16.45 m$16.8 m$16.62 m$16.5 m$19.65 m
      Show all operating metrics

      Community Trust Bank Market Value History

      Community Trust Bank's Web-traffic and Trends

      Community Trust Bank Company Life and Culture

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