CTBICOMMUNITY TRUST BANCORP INC /KY/
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.3B
- Employees
- 930
- Net debt / EBITDA
- —
- −$451M net debt
- AI in 10-K
- 0.0
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo107% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo34% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo97% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.0 per 10K words · 0th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.3B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$303K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $88M | $82M | $78M | $83M | $98M | 18% |
| Operating cash flow | $116M | $100M | $86M | $105M | $105M | 0.3% |
| Capex | $2M | $6M | $6M | $8M | $8M | 5.9% |
| Stock-based comp | $850K | $1M | $2M | $1M | $2M | 31% |
| Buybacks | $0 | $0 | — | — | — | |
| Dividends | $28M | $30M | $32M | $33M | $36M | 7.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $5K · 1
- Open-market sells, 12 mo
- $308K · 1
- Net
- −$303K
Pay vs performance
No pay-versus-performance disclosure yet.