Community Trust Bancorp (CTBI) Presentation summary

Leadership and governance

• Board and executive team includes experienced leaders across multiple regions and subsidiaries.

• Chairman, President, and CEO roles are unified under Mark A. Gooch.

Key financial metrics and performance

• Total assets reached $6.2 billion at year-end 2024, with a market capitalization of $957.6 million.

• 2024 EPS was $4.61, ROAA 1.41%, and ROAE 11.31%, all exceeding stated goals.

• Net income for 2024 was $82.8 million, up 6.2% from 2023.

• Revenues increased 7.7% year-over-year to $223.5 million in 2024.

Shareholder value and returns

• Cash dividend per share rose to $1.86 in 2024, with a 3.3% increase and a payout ratio of 40.3%.

• Book value per share increased to $41.95, and shareholders' equity grew at a 4.3% compound rate over five years.

• Five-year cumulative total return underperformed NASDAQ and Russell 2000 indices.

• 44 consecutive years of dividend increases and inclusion in major NASDAQ indices.