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Community Trust Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$32.4M in Q3 2026 · $126M over twelve months

Operating cash flow$33.7M
Capital spending−$1.2M
Free cash flow+$32.4M
Cash / net income1.3×

Analysis

In Q3 2026, Community Trust Bancorp generated $33.7M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $32.4M. That is $3.9M less than in Q3 2025 ($36.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $132M; the largest uses were other investing ($634M), dividends ($41.4M), capital spending ($5.8M); besides operations, cash came from other financing ($370M), shares issued ($1.4M); the cash balance fell by $176M.

Operating cash flow was $33.7M against net income of $25.9M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other liabilities −$4.0M, depreciation & amortization +$1.2M, prepaid and other assets −$902K.

Free cash flow

Community Trust Bancorp: free cash flow by quarterCommunity Trust Bancorp: free cash flow by quarter$19.4MQ4 2024$34.5MQ1 2025$13.6MQ2 2025$36.4MQ3 2025$13.0MQ4 2025$37.9MQ1 2026$43.1MQ2 2026$32.4MQ3 2026
Operating cash flow less capital spending.
Community Trust Bancorp: operating cash flow against capital spendingCommunity Trust Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$22.4M$3.0MQ4 2024$36.6M$2.1MQ1 2025$15.9M$2.4MQ2 2025$37.5M$1.2MQ3 2025$14.9M$2.0MQ4 2025$39.5M$1.6MQ1 2026$44.1M$1.0MQ2 2026$33.7M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $33.7M, Capital spending $1.2M.

Capital allocation, year by year

Community Trust Bancorp: where the cash came from (up) and went (down), by fiscal yearCommunity Trust Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow $116MFY2021: Net borrowing −$19KFY2021: Shares issued $965KFY2021: Asset sales $830KFY2021: Capital spending −$2.4MFY2021: Dividends −$27.9M$117MFY2021FY2022: Operating cash flow $99.7MFY2022: Net borrowing −$24KFY2022: Shares issued $1.0MFY2022: Asset sales $620KFY2022: Capital spending −$6.2MFY2022: Dividends −$29.9M$101MFY2022FY2023: Operating cash flow $85.8MFY2023: Net borrowing −$151KFY2023: Shares issued $1.1MFY2023: Asset sales $375KFY2023: Capital spending −$6.3MFY2023: Dividends −$32.2M$87.4MFY2023FY2024: Operating cash flow $105MFY2024: Net borrowing −$154KFY2024: Shares issued $2.4MFY2024: Asset sales $70KFY2024: Capital spending −$8.1MFY2024: Dividends −$33.4M$108MFY2024FY2025: Operating cash flow $105MFY2025: Net borrowing −$183KFY2025: Shares issued $1.3MFY2025: Asset sales $1.1MFY2025: Capital spending −$7.6MFY2025: Dividends −$36.0M$107MFY2025
Over these 5 years operating cash flow totalled $512M; the largest uses were dividends ($159M) and capital spending ($30.6M). Cash-flow statements as filed.

Where the cash came from and went

Community Trust Bancorp: sources (+) and uses (−) of cash, Q3 2026Community Trust Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$289MCash drawn (+) / kept (−)$183MOther financing$86.1MOperating cash flow$33.7MDividends−$12.7MCapital spending−$1.2MShares issued$314KNet borrowing (+) / repaid (−)−$57K
Community Trust Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Community Trust Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$634MOther financing$370MCash drawn (+) / kept (−)$176MOperating cash flow$132MDividends−$41.4MCapital spending−$5.8MShares issued$1.4MAsset & business sales$1.1MNet borrowing (+) / repaid (−)−$227K

From profit to cash

Community Trust Bancorp: net income to operating cash flow, Q3 2026Community Trust Bancorp: net income to operating cash flow, Q3 2026Net income$25.9MDepreciation & amortization$1.2MStock-based pay$467KDeferred taxes−$487KGains on investments−$688KGains on disposals−$38KPrepaid and other assets−$902KOther liabilities−$4.0MOperating cash flow$33.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$33.7M−$1.2M−$12.7M−$57K$314K$183M$32.4M
Q2 2026$44.1M−$1.0M−$9.6M−$58K$502K−$156M$43.1M
Q1 2026$39.5M−$1.6M−$9.6M−$57K$325K$5.0M$37.9M
Q4 2025$14.9M−$2.0M−$9.5M−$55K$303K$144M$13.0M
Q3 2025$37.5M−$1.2M−$9.5M−$49K$289K−$112M$36.4M
Q2 2025$15.9M−$2.4M−$8.5M−$40K$456K−$54.6M$13.6M
Q1 2025$36.6M−$2.1M−$8.5M−$39K$276K$28.8M$34.5M
Q4 2024$22.4M−$3.0M−$8.4M−$39K$275K−$129M$19.4M

Community Trust Bancorp: income statement and cash flow

Community Trust Bancorp, Q3 2026: revenue $79.7M (+12% year over year), operating margin 42.7%. The chart follows the revenue to costs, profit and cash.

Community Trust Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.