Filing Flows › Community Trust Bancorp (CTBI) › Q3 2026 › vs Q3 2025
Community Trust Bancorp (CTBI) Q3 2026 vs Q3 2025 (year over year)
Community Trust Bancorp's revenue rose $8.2M (+11%) from $71.5M in Q3 2025 to $79.7M in Q3 2026. The biggest changes: Net interest income +$5.5M (+10%); Noninterest income +$2.7M (+17%). Operating margin 42.7% against 43.2% (-0.5 pts).
Community Trust Bancorp, Q3 2026: revenue $79.7M (+12% year over year), operating margin 42.7%, net earnings $25.9M, operating cash flow $33.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.7% | 43.2% | -0.5 pts |
| Net margin | 32.5% | 33.4% | -1.0 pts |
| Free cash flow margin | 40.7% | 50.8% | -10.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $61.1M | $55.6M | $5.5M | +10% |
| Noninterest income | $18.6M | $15.9M | $2.7M | +17% |
| Revenue | $79.7M | $71.5M | $8.2M | +11% |
| Operating profit | $34.1M | $30.9M | $3.2M | +10% |
| Costs & expenses | $45.7M | $40.6M | $5.0M | +12% |
| Pre-tax earnings | $34.1M | $30.9M | $3.2M | +10% |
| Credit loss provision | $9.2M | $3.9M | $5.3M | +137% |
| Noninterest expense | $36.5M | $36.7M | −$264K | -0.7% |
| Net earnings | $25.9M | $23.9M | $2.0M | +8% |
| Income tax | $8.2M | $7.0M | $1.2M | +17% |
| Depreciation & amortization | $1.2M | $1.1M | $89K | +8% |
| Share-based compensation | $467K | $399K | $68K | +17% |
| Working capital & other | $6.1M | $12.2M | −$6.0M | -50% |
| Operating cash flow | $33.7M | $37.5M | −$3.9M | -10% |
| Free cash flow (OCF − capex) | $32.4M | $36.4M | −$3.9M | -11% |
| Capital expenditures | $1.2M | $1.2M | $18K | +2% |
Questions
How much did Community Trust Bancorp's revenue grow year over year in Q3 2026?
Community Trust Bancorp's revenue rose $8.2M (+11%) from $71.5M in Q3 2025 to $79.7M in Q3 2026.
What drove Community Trust Bancorp's revenue change in Q3 2026?
Net interest income +$5.5M (+10%); Noninterest income +$2.7M (+17%).