Community Trust Bancorp Inc (CTBI) — Cash Flow Quality Index
Community Trust Bancorp Inc (CTBI) has a Cash Flow Quality Index of 0.55x as of December 2025. Operating cash flow of $14.94 Million is below net income of $27.28 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Community Trust Bancorp Inc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Community Trust Bancorp Inc Cash Flow Quality Index (1991–2025)
Historical Cash Flow Quality Index for Community Trust Bancorp Inc across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Community Trust Bancorp Inc (CTBI) cash flow conversion.
Annual Cash Flow Quality Index for Community Trust Bancorp Inc (1991–2025)
Year-by-year earnings quality comparison for Community Trust Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.07x | $104.99 Million | $98.06 Million | ▼ -15.7% |
| 2024 | 1.27x | $105.17 Million | $82.81 Million | ▲ +15.6% |
| 2023 | 1.10x | $85.73 Million | $78.00 Million | ▼ -9.8% |
| 2022 | 1.22x | $99.68 Million | $81.81 Million | ▼ -7.4% |
| 2021 | 1.32x | $115.69 Million | $87.94 Million | ▲ +25.5% |
| 2020 | 1.05x | $62.38 Million | $59.50 Million | ▼ -18.9% |
| 2019 | 1.29x | $83.46 Million | $64.54 Million | ▲ +17.0% |
| 2018 | 1.11x | $65.49 Million | $59.23 Million | ▼ -8.7% |
| 2017 | 1.21x | $62.35 Million | $51.49 Million | ▼ -6.7% |
| 2016 | 1.30x | $61.42 Million | $47.35 Million | ▲ +9.6% |
| 2015 | 1.18x | $54.98 Million | $46.43 Million | ▼ -11.0% |
| 2014 | 1.33x | $57.53 Million | $43.25 Million | ▼ -33.8% |
| 2013 | 2.01x | $90.72 Million | $45.17 Million | ▲ +55.6% |
| 2012 | 1.29x | $57.90 Million | $44.86 Million | ▼ -22.1% |
| 2011 | 1.66x | $64.33 Million | $38.83 Million | ▼ -10.7% |
| 2010 | 1.86x | $61.30 Million | $33.03 Million | ▲ +23.4% |
| 2009 | 1.50x | $37.69 Million | $25.06 Million | ▼ -36.6% |
| 2008 | 2.37x | $54.76 Million | $23.07 Million | ▲ +70.5% |
| 2007 | 1.39x | $51.00 Million | $36.63 Million | ▼ -2.0% |
| 2006 | 1.42x | $55.48 Million | $39.06 Million | ▲ +18.3% |
| 2005 | 1.20x | $41.33 Million | $34.41 Million | ▼ -29.3% |
| 2004 | 1.70x | $52.55 Million | $30.95 Million | ▲ +31.5% |
| 2003 | 1.29x | $37.30 Million | $28.89 Million | ▼ -82.0% |
| 2002 | 7.19x | $198.43 Million | $27.60 Million | ▲ +11.2% |
| 2001 | 6.47x | $144.06 Million | $22.27 Million | ▲ +99.3% |
| 2000 | 3.25x | $72.53 Million | $22.35 Million | ▲ +41.4% |
| 1999 | 2.30x | $50.15 Million | $21.84 Million | ▲ +8.6% |
| 1998 | 2.11x | $29.60 Million | $14.00 Million | ▼ -67.9% |
| 1997 | 6.58x | $105.30 Million | $16.00 Million | ▲ +409.3% |
| 1996 | -2.13x | $-40.00 Million | $18.80 Million | ▼ -212.6% |
| 1995 | 1.89x | $20.40 Million | $10.80 Million | ▼ -43.8% |
| 1994 | 3.36x | $25.20 Million | $7.50 Million | ▼ -0.9% |
| 1993 | 3.39x | $46.10 Million | $13.60 Million | ▼ -42.9% |
| 1992 | 5.93x | $71.20 Million | $12.00 Million | ▲ +208.4% |
| 1991 | 1.92x | $15.20 Million | $7.90 Million | — |