$753 M

CTBI Mkt cap, 04-Dec-2018

$56.3 M

Community Trust Bank Revenue Q3, 2018
Community Trust Bank Gross profit (Q3, 2018)48.8 M
Community Trust Bank Gross profit margin (Q3, 2018), %86.7%
Community Trust Bank Net income (Q3, 2018)16.1 M
Community Trust Bank EBIT (Q3, 2018)34.6 M
Community Trust Bank Cash, 30-Sep-2018171.3 M
Community Trust Bank EV641 M

Community Trust Bank Income Statement

Annual

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

Revenue

197.4m188.9m190.8m195.0m204.2m

Revenue growth, %

28%1%2%

Cost of goods sold

13.4m11.8m13.6m18.3m

Gross profit

184.0m179.1m181.5m185.9m

Gross profit Margin, %

93%94%93%91%

R&D expense

7.3m6.7m6.5m7.1m

Operating expense total

110.3m105.4m107.1m109.9m

EBIT

126.1m62.4m123.6m125.1m129.9m

EBIT margin, %

64%33%65%64%64%

Pre tax profit

65.2m65.0m66.5m68.5m

Income tax expense

20.0m18.5m19.1m17.0m

Net Income

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

Community Trust Bank Balance Sheet

Annual

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

Cash

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

Accounts Receivable

Inventories

2.6b2.9b2.9b3.1b

PP&E

52.0m50.0m48.2m47.9m46.3m

Goodwill

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

Total Assets

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

Accounts Payable

2.9b3.0b3.1b3.3b

Short-term debt

Long-term debt

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

Total Debt

61.3m61.3m61.3m59.3m

Total Liabilities

3.2b3.4b3.4b3.6b

Additional Paid-in Capital

167.1m214.7m217.0m219.7m221.5m

Retained Earnings

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

Total Equity

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

Debt to Equity Ratio

0.1 x0.1 x

Debt to Assets Ratio

0 x0 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, 2018Q2, 2018Q3, 2018

Cash

109.0m193.7m138.0m118.5m141.0m145.0m163.2m162.4m138.7m121.2m203.0m127.8m166.4m194.5m198.4m171.3m

Inventories

2.6b2.6b2.6b2.7b2.7b2.8b2.8b2.9b2.9b2.9b3.0b3.1b3.1b3.1b3.2b3.2b

PP&E

51.9m51.2m50.6m50.6m49.4m48.8m48.5m48.2m48.1m47.8m47.3m47.0m46.6m45.9m46.5m45.8m

Goodwill

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

Total Assets

3.6b3.7b3.7b3.7b3.8b3.8b3.8b3.9b3.9b3.9b4.0b4.1b4.1b4.2b4.2b4.2b

Accounts Payable

2.9b2.9b2.9b2.9b2.9b2.9b3.0b3.0b3.0b3.1b3.2b3.1b3.2b3.3b3.3b3.3b

Long-term debt

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

Total Debt

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

Total Liabilities

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

Additional Paid-in Capital

163.1m167.5m212.3m212.2m215.0m215.5m216.3m217.1m217.4m218.8m220.0m220.5m220.9m222.2m222.5m222.8m

Retained Earnings

170.6m179.4m134.2m139.9m150.4m157.6m163.4m176.0m182.2m188.8m200.7m206.6m214.6m234.2m240.0m249.7m

Total Equity

408.7m422.0m433.9m438.2m457.4m461.6m470.6m485.6m493.6m500.1m507.5m514.9m522.9m537.5m542.2m550.3m

Debt to Equity Ratio

0.2 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x

Debt to Assets Ratio

0 x0 x0 x0 x0 x0 x0 x0 x0 x0 x0 x0 x0 x0 x0 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 x7.8 x7.6 x

Community Trust Bank Cash Flow

Annual

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

Net Income

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

Depreciation and Amortization

4.6m4.3m3.9m3.9m4.0m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

90.7m57.5m55.0m61.4m62.4m

Cash From Investing Activities

(122.0m)(144.1m)(108.3m)(86.1m)(186.6m)

Dividends Paid

(24.5m)(20.6m)(21.3m)(22.2m)(23.0m)

Cash From Financing Activities

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

Interest Paid

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

Income Taxes Paid

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

Community Trust Bank Ratios

USDY, 2018

EV/EBIT

18.5 x

EV/CFO

12.3 x

Debt/Equity

0.1 x

Financial Leverage

7.6 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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Community Trust Bank Employee Rating

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