$890.7 M

CTBI Mkt cap, 14-Jun-2018

$53.9 M

Community Trust Bank Revenue Q1, 2018
Community Trust Bank Gross profit (Q1, 2018)47.9 M
Community Trust Bank Gross profit margin (Q1, 2018), %88.9%
Community Trust Bank Net income (Q1, 2018)15.8 M
Community Trust Bank EBIT (Q1, 2018)33.6 M
Community Trust Bank Cash, 31-Mar-2018194.5 M
Community Trust Bank EV755.6 M

Community Trust Bank Financials

Community Trust Bank Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

148.1 m188.9 m190.8 m195 m

Revenue growth, %

28%1%2%

Cost of goods sold

11.8 m13.6 m18.3 m

Gross profit

179.1 m181.5 m

Gross profit Margin, %

94%93%

R&D expense

7.1 m

Operating expense total

109.9 m

EBIT

65.2 m62.4 m65 m125.1 m129.9 m

EBIT margin, %

44%33%34%64%

Pre tax profit

65 m66.5 m68.5 m

Income tax expense

18.5 m19.1 m17 m

Net Income

45.2 m43.3 m46.4 m47.3 m51.5 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Revenue

49.5 m45.8 m46.8 m48 m46.5 m48.3 m47.9 m47.5 m48.1 m49.9 m48.3 m50.7 m53.9 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 m6 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 m47.9 m

Gross profit Margin, %

93%94%94%94%94%94%94%93%93%93%92%92%89%

R&D expense

1.9 m1.9 m1.9 m2 m1.9 m1.7 m1.6 m1.6 m1.6 m1.6 m1.8 m1.8 m1.6 m

Operating expense total

25.6 m26.9 m25.3 m25.9 m25.8 m26.3 m27.5 m26.2 m27.2 m26.7 m27.6 m27.6 m28.7 m

EBIT

32 m31.4 m32.1 m29.7 m31 m30.9 m30.4 m31.6 m31.2 m31 m31.9 m31.5 m34.3 m33.6 m

EBIT margin, %

65%69%69%62%67%64%63%66%65%62%66%62%62%

Pre tax profit

18.5 m14.6 m17.8 m15.8 m15.9 m16.8 m14.9 m16.3 m15.8 m17.5 m15.8 m16.2 m19.6 m18.3 m

Income tax expense

5.8 m4.5 m5.6 m4.9 m5 m4.4 m3.7 m4.7 m4.2 m5.2 m4.5 m4.7 m5.8 m2.5 m

Net Income

12.7 m10.1 m12.2 m10.9 m10.9 m12.4 m11.2 m11.6 m11.6 m12.3 m11.3 m11.5 m13.8 m15.8 m

Community Trust Bank Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

106.6 m105.5 m187.6 m144.7 m175.3 m

Accounts Receivable

Inventories

2.9 b3.1 b

PP&E

52 m50 m48.2 m47.9 m46.3 m

Goodwill

65.5 m65.5 m65.5 m65.5 m65.5 m

Total Assets

3.6 b3.7 b3.9 b3.9 b4.1 b

Accounts Payable

3.1 b3.3 b

Short-term debt

Long-term debt

61.3 m61.3 m61.3 m61.3 m59.3 m

Total Debt

61.3 m59.3 m

Total Liabilities

3.4 b3.6 b

Additional Paid-in Capital

167.1 m214.7 m217 m219.7 m221.5 m

Retained Earnings

174.3 m144.7 m169.9 m195.1 m224.3 m

Total Equity

412.5 m447.9 m475.6 m500.6 m530.7 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

8.7 x8.3 x8.2 x7.9 x7.8 x

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Cash

109 m193.7 m138 m118.5 m141 m145 m163.2 m162.4 m138.7 m121.2 m203 m127.8 m166.4 m194.5 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 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 m45.9 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 m65.5 m

Total Assets

3.6 b3.7 b3.7 b3.7 b3.8 b3.8 b3.8 b3.9 b3.9 b3.9 b4 b4.1 b4.1 b4.2 b

Accounts Payable

2.9 b2.9 b2.9 b2.9 b2.9 b2.9 b3 b3 b3 b3.1 b3.2 b3.1 b3.3 b

Long-term debt

61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m59.3 m59.3 m59.3 m

Total Debt

61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m61.3 m59.3 m59.3 m59.3 m

Total Liabilities

3.2 b3.2 b3.2 b3.2 b3.3 b3.3 b3.3 b3.4 b3.4 b3.4 b3.5 b3.6 b3.6 b3.7 b

Additional Paid-in Capital

163.1 m167.5 m212.3 m212.2 m215 m215.5 m216.3 m217.1 m217.4 m218.8 m220 m220.5 m222.2 m

Retained Earnings

170.6 m179.4 m134.2 m139.9 m150.4 m157.6 m163.4 m176 m182.2 m188.8 m200.7 m206.6 m214.6 m234.2 m

Total Equity

408.7 m422 m433.9 m438.2 m457.4 m461.6 m470.6 m485.6 m493.6 m500.1 m507.5 m514.9 m522.9 m537.5 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

8.9 x8.7 x8.4 x8.4 x8.2 x8.2 x8.1 x8 x7.9 x7.9 x7.9 x7.9 x7.9 x7.8 x

Community Trust Bank Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

45.2 m43.3 m46.4 m47.3 m51.5 m

Depreciation and Amortization

4.6 m4.3 m3.9 m3.9 m4 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

90.7 m57.5 m55 m61.4 m62.4 m

Cash From Investing Activities

(122 m)(144.1 m)(108.3 m)(86.1 m)(186.6 m)

Dividends Paid

(24.5 m)(20.6 m)(21.3 m)(22.2 m)(23 m)

Cash From Financing Activities

(69.6 m)85.4 m135.5 m(18.2 m)154.8 m

Interest Paid

13.7 m11.9 m11.6 m13.4 m17.3 m

Income Taxes Paid

20.3 m15.8 m20.5 m19.2 m21.4 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017Q1, 2018

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 m15.8 m

Depreciation and Amortization

965 k

Cash From Operating Activities

(12.6 m)

Cash From Investing Activities

(19.5 m)

Dividends Paid

(5.8 m)

Cash From Financing Activities

51.3 m

Interest Paid

5.3 m

Income Taxes Paid

5.8 m4.5 m5.6 m4.9 m5 m

Community Trust Bank Ratios

USDY, 2018

EV/EBIT

22.5 x

EV/CFO

-60 x

Financial Leverage

7.8 x
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Community Trust Bank Operating Metrics

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

Bank Branches

81 80 80

Locations

82 81 81

Non-accrual Loans

$20.97 m$17.26 m$16.49 m$14.72 m$16.56 m$18.45 m$16.45 m$16.80 m$16.62 m$16.50 m$19.65 m

Non-performing Loans

$38.96 m$28.61 m$27.47 m

Total Loans

$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
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