For the quarter ended September 2025, Community Trust Bancorp (CTBI) reported revenue of $71.5 million, up 13.4% over the same period last year. EPS came in at $1.32, compared to $1.23 in the year-ago quarter.
The reported revenue represents a surprise of +0.14% over the Zacks Consensus Estimate of $71.4 million. With the consensus EPS estimate being $1.38, the EPS surprise was -4.35%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Community Trust Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 50.9% compared to the 49.9% average estimate based on three analysts.
- Average Balances-Interest-earning assets: $6.15 billion compared to the $6.07 billion average estimate based on three analysts.
- Net Interest Margin: 3.6% versus 3.6% estimated by three analysts on average.
- Net charge-offs as a % of average loans and leases: 0.1% versus the two-analyst average estimate of 0.2%.
- Total Non Interest Income: $15.95 million versus $15.97 million estimated by three analysts on average.
- Net Interest Income: $55.55 million versus the three-analyst average estimate of $55.45 million.
- Deposit related fees: $8.13 million versus the two-analyst average estimate of $7.7 million.
- Loan related fees: $0.9 million versus the two-analyst average estimate of $1.13 million.
- Trust revenue: $4.28 million versus the two-analyst average estimate of $4.07 million.
View all Key Company Metrics for Community Trust Bancorp here>>>
Shares of Community Trust Bancorp have returned +0.9% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Community Trust Bancorp, Inc. (CTBI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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