The strong 2025 results and raised 2026 guidance (EPS $5.78-$6.02 vs. $5.44 actual) reinforce the bank's positive trajectory. Monitor upcoming quarterly results for execution against guidance, particularly loan growth and net interest margin trends.
Price Chart
Executive Summary
Community Trust Bancorp filed an 8-K furnishing its 2026 Annual Shareholders' Presentation, which details strong 2025 full-year results (revenue +13.7%, net income +18.4%, EPS +18.0% YoY) and Q1 2026 performance (net interest income +14.7% YoY, EPS growth). The presentation also sets 2026 guidance targets above 2025 actuals, including EPS of $5.78-$6.02.
Key Facts
- 2025 net income increased 18.4% YoY to $98.1 million
- 2025 EPS increased 18.0% YoY to $5.44 per share
- 2025 revenues increased 13.7% YoY
- Q1 2026 net interest income of $58.8 million, up 14.7% YoY
- 2026 guidance: EPS $5.78-$6.02, earnings $105.1-$109.3 million
- Provision for loan losses declined to $2.3 million in Q1 2026 from $3.6 million in Q1 2025
- Cash dividend increased 7.5% in 2025; 45 years of consecutive dividend increases
Financial Impact
2025 revenue growth of 13.7% and net income growth of 18.4% YoY; Q1 2026 net interest income up 14.7% YoY
Risk Factors
- Potential net interest margin compression if deposit costs rise faster than asset yields
- Credit quality deterioration if economic conditions weaken
- Execution risk on 2026 guidance targets
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000350852-26-000041 |
| Document: ctbi2026shrpres8k.htm | 0000350852-26-000041 |
| Document: 0000350852-26-000041-index-headers.html | 0000350852-26-000041 |
| Document: 0000350852-26-000041-index.html | 0000350852-26-000041 |
| Document: 0000350852-26-000041.txt | 0000350852-26-000041 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 6d ago | 8-K | $68.33 | awaiting T+60 | — | $70.06 (−2.53%) |
Sep 9, 2026 6w ago | 8-K | $77.37 | awaiting T+60 | — | $70.06 (−9.45%) |
Jul 29, 2026 12w ago | 8-K | $78.35 $71.09 | ▼ −9.27% | ▼ −14.00% | $70.06 (−10.58%) |
Jul 15, 2026 14w ago | 8-K | $75.03 $75.39 | ▲ +0.48% | ▼ −2.05% | $70.06 (−6.62%) |
May 4, 2026 25w ago | 8-K | $64.44 $78.35 | ▲ +21.59% | ▲ +19.73% | $70.06 (+8.72%) |
Apr 28, 2026 26w ago | 8-K | $66.46 $74.72 | ▲ +12.43% | ▲ +8.44% | $70.06 (+5.42%) |
Apr 15, 2026 27w ago | 8-K | $66.15 $72.04 | ▲ +8.90% | ▲ +0.77% | $70.06 (+5.91%) |
US Market Status
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