Community Trust Bancorp thrives in 2025 despite lagging the stock market
Community Trust Bancorp (CTBI) has shown steady financial growth in 2025, despite underperforming the broader stock market today. Analysts reaffirmed the stock as a 'Buy' in June, citing strong asset quality and a robust balance sheet. The company’s latest results reveal rising profits, deposits, and loans—though its share price remains slightly behind the S&P 500’s gains this year.
The bank’s net profits climbed to $23.9 million in the third quarter, bringing the total for the first nine months of 2025 to $70.8 million. This growth was supported by higher net interest income, which reached $51.7 million in Q3. The increase came from a larger balance sheet and shifts in its composition.
Deposits rose to $5.39 billion by the end of September, up from $5.11 billion at the start of the year and $5.07 billion in late 2024. Loans also expanded, hitting $4.73 billion, spread across real estate mortgages, commercial property, and consumer lending. Non-interest income grew to $15.9 million in Q3, driven by deposit fees and wealth management services. Analysts highlight the bank’s low-risk profile, with no brokered deposits and just 8.8% of deposits uninsured. Its return on assets (1.46%) and return on equity (11.53%) both exceed preferred benchmarks. However, the stock trades at a price-to-earnings ratio of 11.2—slightly above the analyst’s ideal maximum of 10. As of 27 December 2025, the company’s market capitalisation stands at approximately 888.26 million EUR.
Community Trust Bancorp continues to strengthen its financial position, with rising deposits, loans, and profits in 2025. While its share performance has lagged behind the stock market today, the bank’s low-risk profile and solid returns keep it rated as a 'Buy'. The next update on market capitalisation will reflect ongoing trading activity, with no fixed release date.
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