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Community Trust Bancorp vs Horizon Bancorp: CTBI and HBNC compared
Community Trust Bancorp is the larger company: $79.7M of revenue in its latest quarter (Q3 2026) against $77.1M for Horizon Bancorp (Q3 2026). Horizon Bancorp is more profitable, with an operating margin of 44.5% against 42.7%.
Where the money goes: CTBI and HBNC
Community Trust Bancorp (CTBI) · Q3 2026
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.
Horizon Bancorp (HBNC) · Q3 2026
Horizon Bancorp, Q3 2026: revenue $77.1M, operating margin 44.5%, net earnings $28.7M, operating cash flow $29.4M. The chart follows the revenue to costs, profit and cash.
| Community Trust Bancorp (CTBI) | Horizon Bancorp (HBNC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $79.7M | $77.1M |
| Revenue growth, Y/Y | +12% | — |
| Operating margin | 42.7% | 44.5% |
| Net earnings | $25.9M | $28.7M |
| Net margin | 32.5% | 37.2% |
| Operating cash flow | $33.7M | $29.4M |
| Free cash flow | $32.4M | $26.6M |
Where the revenue comes from
Community Trust Bancorp
- Net interest income: $61.1M (77%)
- Noninterest income: $18.6M (23%)
Horizon Bancorp
- Net interest income: $65.2M (85%)
- Noninterest income: $11.9M (15%)
Questions
Which is bigger, Community Trust Bancorp or Horizon Bancorp?
Community Trust Bancorp is the larger company: $79.7M of revenue in its latest quarter (Q3 2026) against $77.1M for Horizon Bancorp (Q3 2026).
Is Community Trust Bancorp or Horizon Bancorp growing faster?
Horizon Bancorp is more profitable, with an operating margin of 44.5% against 42.7%.
More: Community Trust Bancorp earnings · how Community Trust Bancorp makes money · Horizon Bancorp earnings · how Horizon Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.