Community Trust Bancorp (CTBI) Investor presentation summary

Key financial metrics and competitive position

• Total assets reached $6.2 billion and market capitalization was $957.6 million as of December 31, 2024.

• Cash dividend yield stood at 3.55% with a P/E ratio of 11.5x and price to book value of 1.3x.

• Ranked 3rd largest Kentucky-domiciled bank holding company and 2nd in deposit market share among Kentucky-based FDIC institutions.

• Tangible common equity ratio was 11.29%.

Geographic footprint and business segments

• Operates 81 locations across 36 counties in Kentucky, Tennessee, and West Virginia, including 5 trust offices.

• Central, South Central, Eastern, and Northeastern regions each contribute significant loan and deposit volumes.

• Assets under management totaled $3.7 billion, with $21.3 million in related revenues.

Financial performance and growth

• 2024 EPS was $4.61, up 5.7% from 2023; 2025 EPS goal is $4.86–$5.06.

• Net income for 2024 was $82.8 million, a 6.2% increase; 2025 goal is $88.0–$91.6 million.

• Revenues rose 7.7% to $223.5 million in 2024; 2025 target is $261.6–$272.3 million.

• Noninterest income increased 8.5% in 2024, with a 2025 goal of 23.5–25.5% of total revenue.

• Net interest revenue grew 7.4% in 2024, with a 4 basis point increase in net interest margin.