Community Trust Bancorp, Inc. (CTBI)

In the past six months, Community Trust Bancorp, Inc. announced record earnings for the second quarter of 2025 on July 16, 2025, and reported its third-quarter 2025 earnings on October 15, 2025. CTBI increased its cash dividend in July 2025. The company's share price experienced a cooling trend, slipping 6.3% over the month leading up to October 13, 2025. The third-quarter 2025 earnings fell short of analyst expectations and were accompanied by a rise in net charge-offs. Over the last three months, the stock has seen a 5.05% increase, but a 4.84% decrease in the past month as of October 27, 2025.

The banking industry generally experiences seasonal trends, with loan demand typically low in January and February, increasing in March, and peaking in August or September before declining towards December. These fluctuations are primarily driven by changes in interest rates. As a regional bank, Community Trust Bancorp, Inc. would likely be subject to similar seasonal patterns in the demand for its banking products and services, particularly loans.

Community Trust Bancorp, Inc. offers commercial and personal banking, trust, and wealth management solutions through its subsidiaries. The company provides deposit accounts like checking, savings, and retirement plans. It also offers lending options, including commercial, mortgage, and agricultural loans, as well as services like brokerage, wealth management, and internet and mobile banking.

CTBI's operations are concentrated in small and mid-sized communities across Kentucky, southern West Virginia, and northeastern Tennessee. As of the fourth quarter of 2023, the company maintained 72 banking locations across 54 counties in Kentucky. It operates over 80 retail branches, with 71 in Kentucky, six in West Virginia, and four in Tennessee. Additionally, it has four trust offices across Kentucky and one in Tennessee.

Community Trust Bank, Inc. has maintained a strong brand reputation, particularly through its consistent recognition by the U.S. Small Business Administration (SBA). For the 16th consecutive year, Community Trust Bank was honored with the "Gold Lender Award" as Kentucky's top volume SBA 7(a) Community Bank lender for the federal fiscal year 2023–2024. This award highlights the bank's commitment to supporting small businesses.

Major institutional owners of Community Trust Bancorp, Inc. include Community Trust and Investment Company, BlackRock, Inc., and Dimensional Fund Advisors LP. Collectively, the top 18 shareholders own 50% of the business. Employees of Community Trust Bancorp, Inc. are also significant owners, collectively holding 6.8% of the company’s stock through their 401(k) and ESOP plans.