Community Trust Bancorp | 10-Q: FY2025 Q3 Revenue: USD 71.5 M

Revenue: As of FY2025 Q3, the actual value is USD 71.5 M.

EPS: As of FY2025 Q3, the actual value is USD 1.32, missing the estimate of USD 1.3833.

EBIT: As of FY2025 Q3, the actual value is USD -20.8 M.

Segment Revenue

• Interest Income: Total interest income for the nine months ended September 30, 2025, was $256,187 thousand, compared to $231,464 thousand for the same period in 2024.

Operational Metrics

• Net Income: Net income for the nine months ended September 30, 2025, was $70,782 thousand, compared to $60,320 thousand for the same period in 2024.
• Provision for Credit Losses: The provision for credit losses for the nine months ended September 30, 2025, was $9,528 thousand, compared to $8,364 thousand for the same period in 2024.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities for the nine months ended September 30, 2025, was $90,051 thousand, compared to $82,883 thousand for the same period in 2024.
• Free Cash Flow: Not explicitly stated, but net cash used in investing activities was -$286,156 thousand for the nine months ended September 30, 2025.

Unique Metrics

• Allowance for Credit Losses (ACL): The ACL for loans as of September 30, 2025, was $59,135 thousand, compared to $54,968 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: Community Trust Bancorp, Inc. (CTBI) is assessing the impacts of the One Big Beautiful Bill Act (OBBBA) on its operations, clients, and risk management strategies, which include regulatory changes and compliance obligations, changes affecting financial products and services, and tax and investment incentives.
• Non-Core Business: CTBI is not currently engaged in any significant non-core business activities or divestitures as per the available data.