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STOCKS

Community Trust Bancorp (CTBI)

NASDAQ:CTBI

CTBI

Community Bancorp

RESEARCH TOOLSreports

Community Bancorp (CTBI) Ratios

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122 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.91	0.91	0.27	0.29	0.30
Quick Ratio	0.91	0.91	0.27	0.29	0.30
Cash Ratio	0.01	0.01	0.07	0.05	0.03
Solvency Ratio	0.02	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.34	0.34	0.44	0.38	0.46
Net Current Asset Value	$ -627.30M	$ -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	0.46	0.46	0.42	0.44	0.46
Debt-to-Capital Ratio	0.31	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	7.81	7.81	8.17	8.22	8.57
Debt Service Coverage Ratio	0.24	0.23	0.24	0.26	0.36
Interest Coverage Ratio	1.00	1.00	0.84	1.03	3.53
Debt to Market Cap	0.35	0.37	0.32	0.37	0.33
Interest Debt Per Share	28.66	28.66	24.94	22.49	17.96
Net Debt to EBITDA	2.46	2.49	-0.44	0.34	1.53
Profitability Margins
Gross Profit Margin	66.71%	66.71%	63.19%	68.63%	86.88%
EBIT Margin	31.05%	31.05%	28.37%	30.21%	39.52%
EBITDA Margin	32.45%	32.09%	29.70%	31.85%	41.56%
Operating Profit Margin	31.05%	31.05%	28.37%	30.21%	39.52%
Pretax Profit Margin	31.05%	31.05%	28.37%	30.21%	39.52%
Net Profit Margin	23.96%	23.96%	22.02%	23.90%	32.00%
Continuous Operations Profit Margin	23.96%	23.96%	22.02%	23.90%	32.00%
Net Income Per EBT	77.16%	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)	1.47%	1.47%	1.34%	1.35%	1.52%
Return on Equity (ROE)	11.96%	11.45%	10.93%	11.11%	13.03%
Return on Capital Employed (ROCE)	12.89%	12.89%	12.21%	12.14%	13.73%
Return on Invested Capital (ROIC)	9.08%	9.08%	7.43%	7.52%	8.59%
Return on Tangible Assets	1.48%	1.48%	1.35%	1.37%	1.54%
Earnings Yield	9.33%	9.63%	8.70%	9.94%	9.99%
Efficiency Ratios
Receivables Turnover	0.08	0.08	15.19	13.84	13.05
Payables Turnover	12.50	12.50	16.52	13.85	15.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.78	7.78	5.87	5.35	4.28
Asset Turnover	0.06	0.06	0.06	0.06	0.05
Working Capital Turnover Ratio	-0.16	-0.19	-0.10	-0.10	-0.08
Cash Conversion Cycle	4.28K	4.28K	1.94	0.02	3.63
Days of Sales Outstanding	4.31K	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	29.19	29.19	22.10	26.35	24.34
Operating Cycle	4.31K	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	5.15	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	0.27	0.27	0.33	0.28	0.34
Operating Cash Flow to Sales Ratio	0.26	0.26	0.28	0.26	0.39
Free Cash Flow Yield	8.78%	9.56%	10.20%	10.12%	11.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.83	10.39	11.49	10.06	10.01
Price-to-Sales (P/S) Ratio	2.61	2.49	2.53	2.40	3.20
Price-to-Book (P/B) Ratio	1.24	1.19	1.26	1.12	1.30
Price-to-Free Cash Flow (P/FCF) Ratio	11.52	10.46	9.80	9.88	8.76
Price-to-Operating Cash Flow Ratio	10.12	9.70	9.05	9.15	8.22
Price-to-Earnings Growth (PEG) Ratio	2.16	0.58	2.00	-2.01	-1.41
Price-to-Fair Value	1.24	1.19	1.26	1.12	1.30
Enterprise Value Multiple	10.51	10.24	8.08	7.89	9.24
Enterprise Value	1.38B	1.35B	902.32M	819.59M	982.03M
EV to EBITDA	10.42	10.24	8.08	7.89	9.24
EV to Sales	3.38	3.29	2.40	2.51	3.84
EV to Free Cash Flow	14.91	13.81	9.29	10.32	10.51
EV to Operating Cash Flow	13.19	12.81	8.58	9.56	9.85
Tangible Book Value Per Share	43.86	43.86	38.15	35.17	31.07
Shareholders’ Equity Per Share	47.49	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	22.71	22.71	20.95	18.24	14.33
Net Income Per Share	5.44	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	0.25	0.25	0.22	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