Community Trust Bancorp Inc (CTBI) - Net Assets
Based on the latest financial reports, Community Trust Bancorp Inc (CTBI) has net assets worth $856.07 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.68 Billion) and total liabilities ($5.83 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Community Trust Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $856.07 Million |
| % of Total Assets | 12.81% |
| Annual Growth Rate | 7.38% |
| 5-Year Change | 22.61% |
| 10-Year Change | 71.0% |
| Growth Volatility | 5.26 |
Community Trust Bancorp Inc - Net Assets Trend (1991–2025)
This chart illustrates how Community Trust Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore Community Trust Bancorp Inc asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Community Trust Bancorp Inc (1991–2025)
The table below shows the annual net assets of Community Trust Bancorp Inc from 1991 to 2025. For live valuation and market cap data, see Community Trust Bancorp Inc market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $856.07 Million | +13.00% |
| 2024-12-31 | $757.58 Million | +7.89% |
| 2023-12-31 | $702.21 Million | +11.81% |
| 2022-12-31 | $628.05 Million | -10.05% |
| 2021-12-31 | $698.20 Million | +6.62% |
| 2020-12-31 | $654.87 Million | +6.50% |
| 2019-12-31 | $614.89 Million | +8.99% |
| 2018-12-31 | $564.15 Million | +6.30% |
| 2017-12-31 | $530.70 Million | +6.01% |
| 2016-12-31 | $500.62 Million | +5.26% |
| 2015-12-31 | $475.58 Million | +6.19% |
| 2014-12-31 | $447.88 Million | +8.58% |
| 2013-12-31 | $412.49 Million | +3.03% |
| 2012-12-31 | $400.34 Million | +9.13% |
| 2011-12-31 | $366.87 Million | +8.34% |
| 2010-12-31 | $338.64 Million | +5.34% |
| 2009-12-31 | $321.46 Million | +4.30% |
| 2008-12-31 | $308.21 Million | +2.27% |
| 2007-12-31 | $301.36 Million | +6.72% |
| 2006-12-31 | $282.38 Million | +11.20% |
| 2005-12-31 | $253.94 Million | +7.53% |
| 2004-12-31 | $236.17 Million | +6.67% |
| 2003-12-31 | $221.39 Million | +5.72% |
| 2002-12-31 | $209.42 Million | +9.30% |
| 2001-12-31 | $191.61 Million | +5.33% |
| 2000-12-31 | $181.90 Million | +5.50% |
| 1999-12-31 | $172.42 Million | +4.62% |
| 1998-12-31 | $164.80 Million | +4.30% |
| 1997-12-31 | $158.00 Million | +9.12% |
| 1996-12-31 | $144.80 Million | +8.22% |
| 1995-12-31 | $133.80 Million | +27.43% |
| 1994-12-31 | $105.00 Million | +9.03% |
| 1993-12-31 | $96.30 Million | +11.46% |
| 1992-12-31 | $86.40 Million | +13.53% |
| 1991-12-31 | $76.10 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Community Trust Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1050.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $545.37 Million | 63.71% |
| Common Stock | $90.53 Million | 10.57% |
| Other Comprehensive Income | $-98.37 Million | -11.49% |
| Other Components | $318.54 Million | 37.21% |
| Total Equity | $856.07 Million | 100.00% |
Community Trust Bancorp Inc Competitors by Market Cap
The table below lists competitors of Community Trust Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tronox Holdings PLC
NYSE:TROX
|
$1.07 Billion |
|
Dometic Group AB (publ)
ST:DOM
|
$1.07 Billion |
|
Prosiebensat 1 Media AG
XETRA:PSM
|
$1.07 Billion |
|
PennyMac Mortgage Investment Trust
NYSE:PMT
|
$1.07 Billion |
|
Genius Sports Ltd
NYSE:GENI
|
$1.07 Billion |
|
Iperionx Ltd
AU:IPX
|
$1.07 Billion |
|
Cohen & Steers Tax-Advantaged Preferred Securities and Income Fund
NYSE:PTA
|
$1.07 Billion |
|
Sihui Fuji Electronics Technology Co Ltd
SHE:300852
|
$1.07 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Community Trust Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 757,584,000 to 856,072,000, a change of 98,488,000 (13.0%).
- Net income of 98,058,000 contributed positively to equity growth.
- Dividend payments of 35,982,000 reduced retained earnings.
- New share issuances of 1,324,000 increased equity.
- Other factors increased equity by 35,088,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $98.06 Million | +11.45% |
| Dividends Paid | $35.98 Million | -4.2% |
| Share Issuances | $1.32 Million | +0.15% |
| Other Changes | $35.09 Million | +4.1% |
| Total Change | $- | 13.00% |
Book Value vs Market Value Analysis
This analysis compares Community Trust Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.39x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.11x to 1.39x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1991-12-31 | $8.11 | $65.80 | x |
| 1992-12-31 | $6.15 | $65.80 | x |
| 1993-12-31 | $6.77 | $65.80 | x |
| 1994-12-31 | $6.88 | $65.80 | x |
| 1995-12-31 | $7.66 | $65.80 | x |
| 1996-12-31 | $8.13 | $65.80 | x |
| 1997-12-31 | $8.81 | $65.80 | x |
| 1998-12-31 | $9.14 | $65.80 | x |
| 1999-12-31 | $9.65 | $65.80 | x |
| 2000-12-31 | $10.40 | $65.80 | x |
| 2001-12-31 | $11.34 | $65.80 | x |
| 2002-12-31 | $12.48 | $65.80 | x |
| 2003-12-31 | $13.41 | $65.80 | x |
| 2004-12-31 | $14.23 | $65.80 | x |
| 2005-12-31 | $15.23 | $65.80 | x |
| 2006-12-31 | $16.76 | $65.80 | x |
| 2007-12-31 | $17.82 | $65.80 | x |
| 2008-12-31 | $18.48 | $65.80 | x |
| 2009-12-31 | $19.27 | $65.80 | x |
| 2010-12-31 | $20.18 | $65.80 | x |
| 2011-12-31 | $21.75 | $65.80 | x |
| 2012-12-31 | $23.45 | $65.80 | x |
| 2013-12-31 | $23.93 | $65.80 | x |
| 2014-12-31 | $25.74 | $65.80 | x |
| 2015-12-31 | $27.20 | $65.80 | x |
| 2016-12-31 | $28.50 | $65.80 | x |
| 2017-12-31 | $30.06 | $65.80 | x |
| 2018-12-31 | $31.87 | $65.80 | x |
| 2019-12-31 | $34.66 | $65.80 | x |
| 2020-12-31 | $36.88 | $65.80 | x |
| 2021-12-31 | $39.22 | $65.80 | x |
| 2022-12-31 | $35.18 | $65.80 | x |
| 2023-12-31 | $39.23 | $65.80 | x |
| 2024-12-31 | $42.14 | $65.80 | x |
| 2025-12-31 | $47.39 | $65.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Community Trust Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.45%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.96%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.81x
- Recent ROE (11.45%) is above the historical average (11.10%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1991 | 10.78% | 7.08% | 0.09x | 16.30x | $590.00K |
| 1992 | 13.89% | 10.68% | 0.09x | 14.85x | $3.36 Million |
| 1993 | 14.12% | 12.52% | 0.08x | 14.05x | $3.97 Million |
| 1994 | 7.14% | 6.94% | 0.08x | 13.31x | $-3.00 Million |
| 1995 | 8.07% | 7.60% | 0.08x | 12.93x | $-2.58 Million |
| 1996 | 12.98% | 11.83% | 0.09x | 12.54x | $4.32 Million |
| 1997 | 12.09% | 11.30% | 0.09x | 11.73x | $3.30 Million |
| 1998 | 8.50% | 7.77% | 0.08x | 13.64x | $-2.48 Million |
| 1999 | 12.67% | 11.84% | 0.08x | 12.62x | $4.60 Million |
| 2000 | 12.28% | 11.44% | 0.09x | 12.43x | $4.16 Million |
| 2001 | 11.62% | 11.10% | 0.08x | 13.07x | $3.11 Million |
| 2002 | 13.18% | 15.82% | 0.07x | 11.88x | $6.66 Million |
| 2003 | 13.05% | 17.52% | 0.07x | 11.17x | $6.75 Million |
| 2004 | 13.11% | 18.84% | 0.06x | 11.47x | $7.33 Million |
| 2005 | 13.55% | 17.77% | 0.07x | 11.22x | $9.02 Million |
| 2006 | 13.83% | 17.61% | 0.07x | 10.52x | $10.83 Million |
| 2007 | 12.15% | 15.69% | 0.08x | 9.63x | $6.49 Million |
| 2008 | 7.49% | 11.32% | 0.07x | 9.59x | $-7.75 Million |
| 2009 | 7.80% | 12.89% | 0.06x | 9.60x | $-7.09 Million |
| 2010 | 9.75% | 16.90% | 0.06x | 9.91x | $-829.80K |
| 2011 | 10.58% | 19.19% | 0.06x | 9.79x | $2.14 Million |
| 2012 | 11.21% | 22.47% | 0.05x | 9.08x | $4.83 Million |
| 2013 | 10.95% | 22.88% | 0.06x | 8.68x | $3.92 Million |
| 2014 | 9.66% | 22.89% | 0.05x | 8.31x | $-1.54 Million |
| 2015 | 9.76% | 24.33% | 0.05x | 8.21x | $-1.13 Million |
| 2016 | 9.46% | 24.28% | 0.05x | 7.85x | $-2.72 Million |
| 2017 | 9.70% | 25.22% | 0.05x | 7.79x | $-1.58 Million |
| 2018 | 10.50% | 26.51% | 0.05x | 7.45x | $2.81 Million |
| 2019 | 10.50% | 27.40% | 0.05x | 7.10x | $3.05 Million |
| 2020 | 9.09% | 25.76% | 0.04x | 7.85x | $-5.98 Million |
| 2021 | 12.60% | 36.85% | 0.04x | 7.76x | $18.12 Million |
| 2022 | 13.03% | 32.00% | 0.05x | 8.57x | $19.01 Million |
| 2023 | 11.11% | 23.90% | 0.06x | 8.22x | $7.78 Million |
| 2024 | 10.93% | 22.02% | 0.06x | 8.17x | $7.05 Million |
| 2025 | 11.45% | 23.96% | 0.06x | 7.81x | $12.45 Million |
Industry Comparison
This section compares Community Trust Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Community Trust Bancorp Inc (CTBI) | $856.07 Million | 10.78% | 6.81x | $1.07 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Community Trust Bancorp Inc
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its … Read more