What is the 13F Pro Quality Score for CTBI?

13F Pro ranks COMMUNITY TRUST BANCORP INC /KY/ (CTBI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CTBI's current score at https://13fpro.ai/research/CTBI (free sign-up required for the full ranking).

Which hedge funds own the most CTBI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CTBI include COMMUNITY & INVESTMENT CO, BlackRock,, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CTBI as soon as new 13F filings post.

Where does 13F Pro source CTBI data?

All COMMUNITY TRUST BANCORP INC /KY/ fundamentals and ownership data come directly from SEC EDGAR. COMMUNITY TRUST BANCORP INC /KY/ files with the SEC under CIK 350852. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CTBI in?

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CTBI research updated on 13F Pro?

CTBI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

COMMUNITY TRUST BANCORP INC /KY/(CTBI)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CTBI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for COMMUNITY TRUST BANCORP INC /KY/ (CTBI), a Financials sector company. CTBI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), COMMUNITY TRUST BANCORP INC /KY/ reports quarterly revenue of $74.2M, net income of $27.2M, an operating margin of 47.6%. Top institutional holders of CTBI by reported 13-F value include COMMUNITY & INVESTMENT CO, BlackRock,, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CTBI trades on the Nasdaq exchange and files with the SEC under CIK 350852. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CTBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for COMMUNITY TRUST BANCORP INC /KY/ directly from SEC EDGAR.

Revenue

Q1 2026

$74.2M

Net Income

Q1 2026

$27.2M

Free Cash Flow

Q1 2026

$37.9M

Operating Margin

Q1 2026

47.6%

ROIC

Q1 2026

4.1%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+25.7% YoY

$98.1MFY 2025

FY20 $59.5MFY21 $87.9MFY23 $78.0MFY25 $98.1M

EPS (Diluted)

+24.5% YoY

$5.43FY 2025

FY20 $3.35FY21 $4.94FY23 $4.36FY25 $5.43

Total Assets

+15.8% YoY

$6.68BFY 2025

FY20 $5.14BFY21 $5.42BFY23 $5.77BFY25 $6.68B

Total Debt

+28.7% YoY

$373.1MFY 2025

FY20 $356.4MFY21 $271.6MFY23 $290.0MFY25 $373.1M

Op. Cash Flow

+22.3% YoY

$105.0MFY 2025

FY20 $62.4MFY21 $115.7MFY23 $85.8MFY25 $105.0M

Metric	FY 2025	FY 2023	FY 2021	FY 2020	FY 2019	FY 2018
Net Income	$98.1M +25.7%	$78.0M -11.3%	$87.9M +47.8%	$59.5M -7.8%	$64.5M +9.0%	$59.2M
EPS (Diluted)	$5.43 +24.5%	$4.36 -11.7%	$4.94 +47.5%	$3.35 -8.0%	$3.64 +8.7%	$3.35
Total Assets	$6.68B +15.8%	$5.77B +6.5%	$5.42B +5.4%	$5.14B +17.7%	$4.37B +3.9%	$4.20B
Total Debt	$373.1M +28.7%	$290.0M +6.8%	$271.6M -23.8%	$356.4M +51.8%	$234.8M +0.4%	$233.9M
Operating Cash Flow	$105.0M +22.3%	$85.8M -25.8%	$115.7M +85.5%	$62.4M -25.3%	$83.5M +27.4%	$65.5M

AI Insight: CTBI Financial Trends

CTBI's net income surged to $27M in Q4 2025 and held at $27M in Q1 2026, the highest level in this eight-quarter series.

• Net income grew from $19M in Q2 2024 to $27M in Q1 2026, a ~42% increase over eight quarters.

• Equity expanded steadily from $719M in Q2 2024 to $871M in Q1 2026, up ~21% over the period.

• Total debt rose from $305M in Q4 2024 to $373M in Q4 2025, the only two quarters with debt data available.

⚠ Operating cash flow is highly volatile, swinging from $15M to $39M quarter-to-quarter, signaling lumpy working-capital dynamics.

⚠ Debt jumped $68M between Q4 2024 and Q4 2025; trend beyond those two points is unobservable with available data.

AI Insight: CTBI Ratio Trends

CTBI's return profile is quietly strengthening, with ROE and ROA each hitting multi-period highs of 12.7% and 1.6% in Q4 2025 and holding firm into Q1 2026.

• ROE climbed from 10.8% in Q2 2024 to 12.7% in Q4 2025, a 190bp improvement over six quarters.

• ROA rose from 1.3% in Q2 2024 to 1.6% in Q2 2025 and has held at 1.6% through Q1 2026.

• ROIC on a TTM basis reached 15.4%, near the 16.2% single-quarter peak recorded in Q1 2026.

⚠ D/E ticked up from 0.40 in Q4 2024 to 0.44 in Q4 2025 — modest but worth monitoring for further drift.

⚠ ROIC shows sharp quarter-to-quarter swings (11.0%–16.2%), suggesting seasonal or one-off earnings volatility.

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Available Research

13F Pro tracks comprehensive data for COMMUNITY TRUST BANCORP INC /KY/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CTBI

COMMUNITY TRUST & INVESTMENT CO
$126.8M2,088,088 sh
BlackRock, Inc.
$98.8M1,626,787 sh
DIMENSIONAL FUND ADVISORS LP
$71.7M1,180,380 sh
VANGUARD CAPITAL MANAGEMENT LLC
$42.0M690,946 sh
AMERICAN CENTURY COMPANIES INC
$31.5M519,515 sh
STATE STREET CORP
$30.4M497,169 sh
GEODE CAPITAL MANAGEMENT, LLC
$26.3M433,801 sh
NORTHERN TRUST CORP
$17.4M286,144 sh
GOLDMAN SACHS GROUP INC
$17.3M285,017 sh
CLIFFORD CAPITAL PARTNERS LLC
$17.2M283,116 sh

Fund	Value	Shares
COMMUNITY TRUST & INVESTMENT CO	$126.8M	2,088,088
BlackRock, Inc.	$98.8M	1,626,787
DIMENSIONAL FUND ADVISORS LP	$71.7M	1,180,380
VANGUARD CAPITAL MANAGEMENT LLC	$42.0M	690,946
AMERICAN CENTURY COMPANIES INC	$31.5M	519,515
STATE STREET CORP	$30.4M	497,169
GEODE CAPITAL MANAGEMENT, LLC	$26.3M	433,801
NORTHERN TRUST CORP	$17.4M	286,144
GOLDMAN SACHS GROUP INC	$17.3M	285,017
CLIFFORD CAPITAL PARTNERS LLC	$17.2M	283,116

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Is CTBI a good stock to buy?

13F Pro's AI-powered analysis of COMMUNITY TRUST BANCORP INC /KY/ (CTBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CTBI are available on the CTBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CTBI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CTBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of COMMUNITY TRUST BANCORP INC /KY/'s investment landscape.