CTBI FINANCIAL STATEMENTS

Community Trust Bancorp Inc — balance sheet, income statement and cash flow trends

CTBICommunity Trust Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue415.6 M $+8.5%

Gross Profit282.4 M $+15.7%

Operating Income134.1 M $+20.5%

EBITDA139.9 M $+20.1%

Net Income103.3 M $+19.9%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CTBI	—	—	—	24.9%
LB	—	—	—	1.4%
SKBNK	—	—	—	14.2%
LLOY	—	—	—	25.9%
KLNMA	—	—	—	58.1%
NWG	—	—	—	20.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity871.2 M $13%
Current Liabilities299.2 M $4%
Long-term Liabilities5.6 B $83%

Key Figures

YoY change

Total Assets6.7 B $+7.4%

Total Liabilities5.9 B $+6.9%

Total Equity871.2 M $+11.1%

Cash & ST Investments536.4 M $-42.5%

Total Debt379.2 M $+15.7%

Net Debt20.3 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CTBI	1.88	43.5%	-1.12	12.9%
LB	0.01	744.5%	280.57	5.3%
SKBNK	—	0.0%	-13.41	5.9%
LLOY	0.12	209.8%	5.39	5.0%
KLNMA	—	0.0%	-0.00	17.7%
NWG	0.25	17.0%	-14.68	5.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CTBI	1.88	43.5%	-1.12	12.9%
PFBC	183.04	49.7%	-2.18	10.1%
TMP	0.58	60.0%	2.06	10.9%
PEBO	0.22	56.8%	4.51	12.6%
AMAL	—	10.0%	0.48	8.8%
UVSP	0.03	34.4%	0.76	11.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow107.9 M $-6.7%

Capital Expenditures11.6 M $+45.7%

Free Cash Flow96.3 M $-10.6%

Dividends Paid-37.1 M $-210.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CTBI	26.0%	23.2%	2.8%	104.5%
LB	-1.8%	-3.5%	1.7%	-134.2%
SKBNK	14.2%	31.2%	17.0%	100.0%
LLOY	—	—	0.0%	—
KLNMA	58.1%	57.8%	0.3%	100.0%
NWG	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CTBI	26.0%	23.2%	2.8%	104.5%
PFBC	33.5%	33.0%	0.5%	125.5%
TMP	15.6%	14.3%	1.3%	53.8%
PEBO	22.5%	20.6%	1.9%	121.1%
AMAL	33.8%	31.8%	2.3%	151.3%
UVSP	20.7%	19.2%	1.5%	113.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.