Filing Flows › Community Trust Bancorp (CTBI) › Q3 2026
Community Trust Bancorp (CTBI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Community Trust Bancorp (CTBI) reported revenue of $79.7M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +2% from the quarter before. Operating margin was 42.7%, net earnings $25.9M (32.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $79.7M | +2% | +11% |
| Operating profit | $34.1M | -11% | +10% |
| Net earnings | $25.9M | -13% | +8% |
| Operating cash flow | $33.7M | -24% | -10% |
| Free cash flow | $32.4M | -25% | -11% |
What changed
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.
Questions
What was Community Trust Bancorp's revenue in the third quarter 2026?
Community Trust Bancorp (CTBI) reported revenue of $79.7M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +2% from the quarter before.
Was Community Trust Bancorp profitable in the third quarter 2026?
Operating profit was $34.1M (42.7% of revenue) and net earnings $25.9M.