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Community Trust Bancorp (CTBI)
NASDAQ:CTBI
US Market
CTBI
Community Bancorp
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Community Bancorp (CTBI) Ratios

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Community Bancorp Ratios

CTBI's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, CTBI's free cash flow was decreased by $ and operating cash flow was $0.33. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.31 0.91 0.27 0.29 0.30
Quick Ratio
 0.31 0.91 0.27 0.29 0.30
Cash Ratio
 0.31 0.01 0.07 0.05 0.03
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.35 0.02 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.35 0.34 0.44 0.38 0.46
Net Current Asset Value
$ -5.78B$ -627.30M$ -3.99B$ -3.61B$ -3.35B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.05 0.05 0.05
Debt-to-Equity Ratio
 0.44 0.46 0.42 0.44 0.46
Debt-to-Capital Ratio
 0.30 0.31 0.30 0.30 0.32
Long-Term Debt-to-Capital Ratio
 0.07 0.07 0.08 0.08 0.08
Financial Leverage Ratio
 7.74 7.81 8.17 8.22 8.57
Debt Service Coverage Ratio
 0.25 0.23 0.24 0.26 0.36
Interest Coverage Ratio
 1.07 1.00 0.84 1.03 3.53
Debt to Market Cap
 0.30 0.37 0.32 0.37 0.33
Interest Debt Per Share
 27.93 28.66 24.94 22.49 17.96
Net Debt to EBITDA
 2.08 2.49 -0.44 0.34 1.53
Profitability Margins
Gross Profit Margin
67.95%66.71%63.19%68.63%86.88%
EBIT Margin
32.26%31.05%28.37%30.21%39.52%
EBITDA Margin
33.31%32.09%29.70%31.85%41.56%
Operating Profit Margin
32.26%31.05%28.37%30.21%39.52%
Pretax Profit Margin
32.26%31.05%28.37%30.21%39.52%
Net Profit Margin
24.85%23.96%22.02%23.90%32.00%
Continuous Operations Profit Margin
24.85%23.96%22.02%23.90%32.00%
Net Income Per EBT
77.04%77.16%77.62%79.14%80.97%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.53%1.47%1.34%1.35%1.52%
Return on Equity (ROE)
12.27%11.45%10.93%11.11%13.03%
Return on Capital Employed (ROCE)
2.08%12.89%12.21%12.14%13.73%
Return on Invested Capital (ROIC)
1.53%9.08%7.43%7.52%8.59%
Return on Tangible Assets
1.55%1.48%1.35%1.37%1.54%
Earnings Yield
8.80%9.63%8.70%9.94%9.99%
Efficiency Ratios
Receivables Turnover
 0.00 0.08 15.19 13.84 13.05
Payables Turnover
 0.00 12.50 16.52 13.85 15.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.10 7.78 5.87 5.35 4.28
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -1.18 -0.19 -0.10 -0.10 -0.08
Cash Conversion Cycle
 0.00 4.28K 1.94 0.02 3.63
Days of Sales Outstanding
 0.00 4.31K 24.03 26.37 27.97
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 29.19 22.10 26.35 24.34
Operating Cycle
 0.00 4.31K 24.03 26.37 27.97
Cash Flow Ratios
Operating Cash Flow Per Share
 5.82 5.82 5.86 4.79 5.59
Free Cash Flow Per Share
 5.14 5.40 5.41 4.44 5.24
CapEx Per Share
 0.67 0.42 0.45 0.35 0.35
Free Cash Flow to Operating Cash Flow
 0.88 0.93 0.92 0.93 0.94
Dividend Paid and CapEx Coverage Ratio
 2.18 2.41 2.54 2.23 2.76
Capital Expenditure Coverage Ratio
 8.65 13.81 13.02 13.56 16.03
Operating Cash Flow Coverage Ratio
 0.28 0.27 0.33 0.28 0.34
Operating Cash Flow to Sales Ratio
 0.25 0.26 0.28 0.26 0.39
Free Cash Flow Yield
7.86%9.56%10.20%10.12%11.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.50 10.39 11.49 10.06 10.01
Price-to-Sales (P/S) Ratio
 2.87 2.49 2.53 2.40 3.20
Price-to-Book (P/B) Ratio
 1.36 1.19 1.26 1.12 1.30
Price-to-Free Cash Flow (P/FCF) Ratio
 12.86 10.46 9.80 9.88 8.76
Price-to-Operating Cash Flow Ratio
 11.31 9.70 9.05 9.15 8.22
Price-to-Earnings Growth (PEG) Ratio
 0.59 0.58 2.00 -2.01 -1.41
Price-to-Fair Value
 1.36 1.19 1.26 1.12 1.30
Enterprise Value Multiple
 10.71 10.24 8.08 7.89 9.24
Enterprise Value
 1.47B 1.35B 902.32M 819.59M 982.03M
EV to EBITDA
 10.61 10.24 8.08 7.89 9.24
EV to Sales
 3.53 3.29 2.40 2.51 3.84
EV to Free Cash Flow
 15.81 13.81 9.29 10.32 10.51
EV to Operating Cash Flow
 13.99 12.81 8.58 9.56 9.85
Tangible Book Value Per Share
 44.64 43.86 38.15 35.17 31.07
Shareholders’ Equity Per Share
 48.27 47.49 42.21 39.26 35.21
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.22 0.21 0.19
Revenue Per Share
 23.02 22.71 20.95 18.24 14.33
Net Income Per Share
 5.72 5.44 4.61 4.36 4.59
Tax Burden
 0.77 0.77 0.78 0.79 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.26 0.23 0.23 0.29
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.07 1.07 1.27 1.10 1.22
Currency in USD