Community Bancorp Reports Strong 2025 Growth and Earnings

An announcement from Community Bancorp ( (CTBI) ) is now available.

For 2025, Community Trust Bancorp reported that total assets rose 7.9% year-on-year to $6.68 billion, with loans up 9.1% to $4.89 billion and deposits, including repurchase agreements, up 7.3% to $5.70 billion, underscoring robust balance sheet expansion. The loan book generated $1.1 billion in production over the year, while indirect lending and a diversified portfolio across its regional footprint supported growth in both interest‑earning assets and trust assets under management.

Earnings performance was strong in 2025, with net income climbing 18.4% to $98.1 million and earnings per share advancing 18.0% to $5.44, beating the company’s stated targets for earnings, EPS, return on average assets and return on average equity. Revenue increased 13.7%, driven by a 17.7% rise in net interest revenue, a 26‑basis‑point improvement in net interest margin and modest growth in noninterest income from trust services, insurance commissions and asset sales.

Shareholder returns were highlighted by a 7.5% increase in cash dividends per share in 2025, a dividend payout ratio of 36.8% and a year‑end cash dividend yield of 3.75%, extending a 45‑year record of consecutive cash dividend increases. Despite this dividend track record and a 22.6% rise in shareholders’ equity over five years, CTBI’s five‑year cumulative total return through December 31, 2025 lagged both the NASDAQ U.S. market and the NASDAQ Bank Stocks index, reflecting relative share price underperformance versus broader benchmarks.

Credit quality remained controlled, with low levels of nonperforming assets and a maintained loan loss reserve ratio compared with similarly sized bank holding company peers, while other real estate owned was limited to $3.1 million at year‑end 2025. Management emphasized CTBI’s historically strong capital position, investor‑focused dividend policy, and community banking strategy as key elements of its franchise value, supported by nearly 1,000 employees and economic diversity across its served markets.

The most recent analyst rating on (CTBI) stock is a Buy with a $61.00 price target. To see the full list of analyst forecasts on Community Bancorp stock, see the CTBI Stock Forecast page.

Spark’s Take on CTBI Stock

According to Spark, TipRanks’ AI Analyst, CTBI is a Outperform.

The score is driven primarily by solid financial performance (steady growth, sound balance sheet, and good cash conversion), supported by an attractive valuation (low P/E and solid dividend yield). Technicals also lean positive with a strong trend, while corporate updates reinforce earnings strength and credit quality.

To see Spark’s full report on CTBI stock, click here.

More about Community Bancorp

Community Bancorp, operating as Community Trust Bancorp (CTBI), is a Kentucky-based bank holding company with total assets of $6.7 billion as of December 31, 2025. It runs a community banking franchise across central, eastern, northeastern and south central regions of Kentucky and adjacent markets, offers indirect lending, and provides trust and wealth management services through CTIC, which manages $4.1 billion in assets.

CTBI is the third-largest Kentucky‑domiciled bank holding company and ranks second in deposit market share among Kentucky‑domiciled FDIC‑insured institutions, and seventh in overall Kentucky deposit share among all FDIC‑insured banks. Its shares trade on the NASDAQ Global Select Market and are included in the NASDAQ Dividend Achievers and NASDAQ Bank Stock indices, with a shareholder base dominated by institutional investors and mutual funds.

Average Trading Volume: 89,628

Technical Sentiment Signal: Buy

Current Market Cap: $1.18B

For an in-depth examination of CTBI stock, go to TipRanks’ Overview page.