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Community Trust Bancorp (CTBI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Community Trust Bancorp (CTBI) Q3 2026 earnings results →
Q3 2026 Revenue up 12% year over year to $79.7M · 32¢ of every $1 of revenue kept as net profit · operating margin 42.7%
Community Trust Bancorp made $79.7M in Q3 2026 (+12% Y/Y): Net interest income $61.1M, Noninterest income $18.6M. Operating margin 42.7%, net earnings $25.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $79.7M in Q3 2026, up 11% year over year and up 2% from the previous quarter. Net interest income was the largest line at 77% of revenue. Net interest income added $5.5M year over year (up 10%), 67% of the total change.
Operating profit was $34.1M, a 42.7% margin (down 0.5 points year over year). Of the extra revenue versus a year earlier, 39% reached operating profit, below the 43% margin then. Total costs grew 12% against revenue growth of 11%. The fastest-growing cost line was Credit loss provision (+137%). Net earnings were $25.9M, up 8% year over year. The effective tax rate was 24.0%.
Operating cash flow was $33.7M (down 10% year over year), 130% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $467K of share-based compensation. Working capital and other items added $6.1M. Capital expenditures of $1.2M left free cash flow of $32.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $79.7M | +12% | 42.7% | $25.9M | $33.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Community Trust Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +12%. Operating margin: 42.7% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CTBI Community Trust Bancorp | Q3 2026 | $79.7M | +12% | 42.7% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Community Trust Bancorp 10-Q on SEC EDGAR · CIK 350852 · State Commercial Banks
Guidance and outlook
13F: who owns CTBI and who is buying
More on CTBI
History
Every quarter: Q3 2026 results