Community Trust Bancorp (CTBI) just wrapped up FY 2025 with fourth quarter revenue of US$71.8 million and EPS of US$1.51, capping a twelve month stretch that delivered total revenue of US$270.2 million and EPS of US$5.44. Over the past few quarters, revenue has moved from US$60.0 million in Q3 2024 to US$71.8 million in Q4 2025, while quarterly EPS has shifted from US$1.23 to US$1.51, setting up a year where net income reached US$98.1 million on a trailing basis. With net margins running in the mid 30s and a 3.27% dividend yield in the background, the latest numbers give investors plenty to weigh around earnings quality and profitability trends.

With the headline figures on the table, the next step is to see how these results line up with the prevailing narratives around CTBI's growth, income appeal, and risk profile, and where the numbers start to challenge those stories.

18.4% EPS growth with 36.3% margins

• Over the last 12 months, CTBI generated EPS of US$5.44 with net income of US$98.1 million and a trailing net profit margin of 36.3%, compared with 34.9% a year earlier and single year earnings growth of 18.4%.
• What stands out for a bullish view is how solid profitability metrics line up with that earnings growth, as trailing twelve month revenue reached US$270.2 million while quarterly net income in FY 2025 moved from US$22.0 million in Q4 2024 to US$27.3 million in Q4 2025.
  • Bulls point to the 18.4% earnings growth alongside a mid 30s margin as evidence that profits are not just higher in absolute terms but also supported by efficient operations.
  • At the same time, the five year average annual earnings growth of 3.5% is much lower than the latest 12 month figure, so anyone leaning bullish may want to think about whether this stronger period is repeatable or more of a one off step up.

To see how this mix of 18.4% earnings growth and 36.3% margins fits into the broader story for CTBI, many investors look at a balanced narrative around growth, risks, and dividend income. 📊 Read the full Community Trust Bancorp Consensus Narrative.

Loan book near US$4.8b with steady credit quality

• On the balance sheet side, total loans in the quarterly data rose from US$4.35b in Q3 2024 to US$4.76b in Q3 2025, while non performing loans in the same snapshots stayed in a fairly tight band between US$24.4 million and US$26.7 million.
• What is interesting for a bullish angle is that the loan book size in the FY 2025 quarters sits alongside relatively contained non performing loan figures, which can support the idea of a conservative regional bank profile rather than a high risk growth story.
  • Supporters of that bullish tilt often highlight the Q3 2025 combination of US$4.76b of loans and US$24.7 million of non performing loans as evidence that credit issues are not spiking against a larger book in the data provided.
  • On the flip side, critics of a strong bullish stance may note that the non performing loan figures have not dropped meaningfully versus the prior year snapshots, so credit quality looks stable rather than sharply improving in these numbers.

P/E at 12x and 3.27% dividend yield

• CTBI is trading on a trailing P/E of 12x against a peer average of 13.1x and a US Banks industry average of 11.8x, with a 3.27% dividend yield and a DCF fair value of US$87.56 compared with the current share price of US$64.92.
• Bears focus on the idea that expected growth is relatively modest, since earnings are forecast to grow about 5.71% per year and revenue about 7.6% per year, both below the cited broader US market averages, even though the shares sit around 25.9% below the DCF fair value estimate.
  • That cautious view leans heavily on the gap between recent 18.4% earnings growth and the lower projected 5.71% annual rate, arguing that the latest year may not be a good guide to the future.
  • However, the current 12x P/E that is below the 13.1x peer average and above the 11.8x industry average, plus the 3.27% yield, shows the market is pricing CTBI somewhere between pure discount and industry baseline, which gives both cautious and optimistic investors clear numbers to compare.

Next Steps

Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Community Trust Bancorp's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

See What Else Is Out There

CTBI’s recent 18.4% earnings growth sits alongside forecasts for slower 5.71% earnings and 7.6% revenue growth, which could limit longer term compounding potential.

If that softer outlook gives you pause, use our stable growth stocks screener (2169 results) to focus on companies that already show steadier revenue and earnings trends across different conditions.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.