For the quarter ended March 2025, Community Trust Bancorp (CTBI) reported revenue of $66.16 million, up 12.1% over the same period last year. EPS came in at $1.22, compared to $1.04 in the year-ago quarter.
The reported revenue represents a surprise of +1.79% over the Zacks Consensus Estimate of $65 million. With the consensus EPS estimate being $1.19, the EPS surprise was +2.52%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 51.9% compared to the 53.1% average estimate based on three analysts.
- Net Interest Margin: 3.6% versus 3.4% estimated by three analysts on average.
- Average Balances-Interest-earning assets: $5.85 billion compared to the $5.87 billion average estimate based on three analysts.
- Net charge-offs as a % of average loans and leases: 0.1% compared to the 0.2% average estimate based on two analysts.
- Total Non Interest Income: $14.90 million versus $15.28 million estimated by three analysts on average.
- Net Interest Income: $51.27 million versus $49.89 million estimated by three analysts on average.
- Deposit related fees: $6.82 million versus $7.24 million estimated by two analysts on average.
- Loan related fees: $0.97 million versus the two-analyst average estimate of $1.10 million.
- Trust revenue: $3.98 million versus $3.99 million estimated by two analysts on average.
View all Key Company Metrics for Community Trust Bancorp here>>>
Shares of Community Trust Bancorp have returned -8.3% over the past month versus the Zacks S&P 500 composite's -4.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform 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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