How Community Trust Bancorp (CTBI) Makes Money: A Visual Guide

Community Trust Bancorp (CTBI) generated $409.34M in revenue (TTM through Q4 2025), earning $98.06M in net profit (24% margin). Below is an interactive breakdown of how revenue flows through the income statement.

Community Trust Bancorp (CTBI) Income Statement Flow

Frequently asked questions

How much revenue does Community Trust Bancorp (CTBI) generate?

Community Trust Bancorp (CTBI) generated $409.34M in total revenue for TTM through Q4 2025 with a net profit margin of 24%.

What is Community Trust Bancorp (CTBI) gross profit margin?

Community Trust Bancorp (CTBI) reported a gross profit margin of 66.7% for TTM through Q4 2025, equivalent to $273.07M in gross profit. This means Community Trust Bancorp retains 66.7% of each revenue unit after direct costs of production.

What is Community Trust Bancorp (CTBI) operating profit margin?

Community Trust Bancorp (CTBI) reported an operating profit margin of 31% for TTM through Q4 2025, equivalent to $127.09M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is Community Trust Bancorp (CTBI) net profit margin?

Community Trust Bancorp (CTBI) reported a net profit margin of 24% for TTM through Q4 2025, equivalent to $98.06M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

How much does Community Trust Bancorp (CTBI) spend on capital expenditures?

Community Trust Bancorp (CTBI) spent $12.14M on capital expenditures in TTM through Q4 2025 (3.0% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.

What is Community Trust Bancorp (CTBI) free cash flow?

Community Trust Bancorp (CTBI) generated $92.85M in free cash flow for TTM through Q4 2025 (22.7% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is Community Trust Bancorp (CTBI) effective tax rate?

Community Trust Bancorp (CTBI) had an effective tax rate of 22.8% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

What is a Sankey diagram?

A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.

How is the data calculated?

We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.

When was this data last updated?

Based on company filings through TTM through Q4 2025.