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Community Trust Bancorp, Inc.

CTBI Finance Major Banks
$70.50
▲ +3.2% Today
as of Oct 23, 16:47 ET
Last 30 days -9.43% Sep 14 → Oct 23
$67.57 $70.33 $73.08 $75.84 $78.60 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$70.50
High
$71.33
Low
$70.15
Volume
$150,193
Avg Vol
$96,004
Mkt Cap
$1.4B
P/E (TTM)
16.83
Beta
—
52w High
$79.92
52w Low
$50.25
Div Yield
—
Shares Out
$18M

Recent Press Releases & News last 60 days · 10 items

Oct 22 · 09:10 Simply Wall St.
Community Trust Bancorp (CTBI) Stock Sinks As Q3 Earnings Stir Durability Doubts
Oct 21 · 13:00 Zacks
Community Trust Bancorp (CTBI) Reports Q3 Earnings: What Key Metrics Have to Say
Oct 21 · 12:46 MT Newswires
Community Trust Bancorp's Q3 Earnings, Revenue Rise
▸ Show all 10 press releases & news Free account →

CTBI earnings at a glance

The options market is pricing a move of about ±6.8% after the report, a range of roughly $65.72 to $75.28 from today's $70.50. Over its last 5 reports the stock rose the next day 4 times and fell 1, moving ±5.1% on average; after the most recent report on Jul 15, 2026 it moved +3.8%. That means options currently expect more movement than CTBI has typically delivered. CTBI beat the consensus EPS estimate in 4 of its last 5 reported quarters. Implied volatility is currently 57%. The share price of $70.50 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$50
$80
68% of range
Avg surprise (last 5)
+5.1%
Avg reaction (last 5)
+3.0%
80% positive
Latest IV / EM
57%
EM ±6.8% · $75 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.04$1.19$1.34$1.49$1.64 Actual $1.08Actual $1.08Actual $1.15Actual $1.04Actual $1.09Actual $1.23Actual $1.22Actual $1.38Est $1.27Actual $1.32Est $1.38Actual $1.51Est $1.43Actual $1.50Est $1.39Actual $1.64Est $1.52 MarJunSepMarJunSepMarJun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$8M$16M$23M$31M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 15, 2026Jun/2026 $1.64 $1.52 +7.9% +10.1% +3.8% earnings
Wed Apr 15, 20268K 2026-04-15 $1.50 $1.39 +7.9% — +2.7% earnings
Wed Jan 21, 20268K 2026-01-21 $1.51 $1.43 +5.6% — +10.1% earnings
Wed Oct 15, 2025Sep/2025 $1.32 $1.38 -4.3% — -5.3% earnings
Wed Jul 16, 2025Jun/2025 $1.38 $1.27 +8.7% — +3.8% earnings
Mon Mar 31, 2025Mar 2025 $1.22 — — — — financials
Mon Sep 30, 2024Sep 2024 $1.23 — — — — financials
Sun Jun 30, 2024Jun 2024 $1.09 — — — — financials
Sun Mar 31, 2024Mar 2024 $1.04 — — — — financials
Sat Sep 30, 2023Sep 2023 $1.15 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.08 — — — — financials
Fri Mar 31, 2023Mar 2023 $1.08 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$30M$27M—$24M$25M$22M—$22M
EPS (diluted)$1.64$1.50—$1.32$1.38$1.22—$1.23

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$514M$359M$364M$508M$395M$341M$370M$241M
Inventory————————
Total current assets————————
Total assets$6.99B$6.74B$6.68B$6.64B$6.39B$6.28B$6.19B$5.96B
Long-term debt————————
Total liabilities$6.10B$5.87B$5.83B$5.81B$5.58B$5.49B$5.44B$5.20B
Total equity$892M$871M$856M$831M$807M$784M$758M$761M

Implied volatility — last 90 days

19%54%89%123%158% Jun 07 — IV 69% · EM ±9.6%Jun 08 — IV 61% · EM ±8.1%Jun 09 — IV 57% · EM ±7.2%Jun 10 — IV 33% · EM ±3.8%Jun 15 — IV 98% · EM ±7.1%Jun 16 — IV 120% · EM ±7.1%Jun 19 — IV 33% · EM ±7.2%Jun 22 — IV 37% · EM ±7.8%Jun 23 — IV 36% · EM ±7.3%Jun 24 — IV 35% · EM ±7.0%Jun 25 — IV 38% · EM ±7.5%Jun 26 — IV 43% · EM ±8.3%Jun 29 — IV 39% · EM ±6.9%Jun 30 — IV 48% · EM ±8.3%Jul 01 — IV 44% · EM ±7.3%Jul 02 — IV 42% · EM ±6.8%Jul 03 — IV 46% · EM ±7.1%Jul 06 — IV 58% · EM ±8.1%Jul 07 — IV 73% · EM ±9.7%Jul 08 — IV 55% · EM ±6.9%Jul 09 — IV 77% · EM ±9.1%Jul 10 — IV 73% · EM ±8.1%Jul 13 — IV 93% · EM ±7.8%Jul 14 — IV 114% · EM ±8.2%Jul 16 — IV 159% · EM ±6.6%Jul 20 — IV 30% · EM ±7.1%Jul 21 — IV 29% · EM ±6.9%Jul 22 — IV 32% · EM ±7.3%Jul 23 — IV 31% · EM ±6.9%Jul 24 — IV 31% · EM ±6.8%Jul 27 — IV 42% · EM ±8.7%Jul 28 — IV 43% · EM ±8.8%Jul 29 — IV 35% · EM ±7.0%Jul 30 — IV 37% · EM ±7.2%Jul 31 — IV 39% · EM ±7.5%Aug 03 — IV 36% · EM ±6.4%Aug 04 — IV 37% · EM ±6.3%Aug 05 — IV 34% · EM ±5.7%Aug 06 — IV 42% · EM ±6.7%Aug 07 — IV 47% · EM ±7.3%Aug 10 — IV 62% · EM ±8.5%Aug 11 — IV 49% · EM ±6.5%Aug 12 — IV 51% · EM ±6.4%Aug 13 — IV 48% · EM ±5.7%Aug 14 — IV 57% · EM ±6.3%Aug 18 — IV 88% · EM ±6.3%Aug 19 — IV 131% · EM ±7.8%Aug 24 — IV 35% · EM ±7.3%Aug 25 — IV 28% · EM ±5.6%Aug 26 — IV 26% · EM ±5.2%Aug 27 — IV 27% · EM ±5.2%Aug 28 — IV 37% · EM ±7.2%Aug 31 — IV 38% · EM ±6.7%Sep 01 — IV 36% · EM ±6.2%Sep 02 — IV 42% · EM ±7.0%Sep 03 — IV 52% · EM ±8.4%Sep 04 — IV 53% · EM ±8.2%Sep 07 — IV 59% · EM ±8.2%Sep 08 — IV 62% · EM ±8.2%Sep 09 — IV 53% · EM ±6.7%Sep 10 — IV 66% · EM ±7.8%Sep 11 — IV 75% · EM ±8.2%Sep 14 — IV 92% · EM ±7.7%Sep 15 — IV 106% · EM ±7.7%Sep 16 — IV 113% · EM ±6.7%Sep 21 — IV 34% · EM ±7.1%Sep 22 — IV 34% · EM ±7.1%Sep 23 — IV 35% · EM ±7.1%Sep 24 — IV 20% · EM ±3.9%Sep 25 — IV 37% · EM ±7.1%Sep 28 — IV 29% · EM ±5.1%Sep 29 — IV 39% · EM ±6.7%Sep 30 — IV 40% · EM ±6.7%Oct 02 — IV 44% · EM ±7.0%Oct 05 — IV 50% · EM ±6.9%Oct 06 — IV 53% · EM ±7.0%Oct 07 — IV 54% · EM ±6.7%Oct 08 — IV 57% · EM ±6.8%

Sector peers

BHRB
Burke & Herbert Financial Services Corp.
$1.4B $70.70+1.8%
TMP
Tompkins Financial Corporation
$1.4B $101.20+2.3%
AMAL
Amalgamated Financial Corp.
$1.4B $50.50+5.6%
FMBH
First Mid Bancshares, Inc.
$1.3B $50.74+3.0%
PEBO
Peoples Bancorp Inc.
$1.3B $38.20+2.3%
HBT
HBT Financial, Inc.
$1.3B $36.24+2.7%

CTBI earnings FAQ

What is CTBI's expected move for earnings?

Options currently price a move of about ±6.8%, or $4.78 per share either way from $70.50.

How does CTBI stock usually react to earnings?

Across the last 5 reports the average next-day move was ±5.1%, up 4 times and down 1 times.

What is CTBI's implied volatility?

CTBI's at-the-money implied volatility is about 57% based on the latest options snapshot.

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