CTBI at a glance
COMMUNITY TRUST BANCORP INC /KY/ (CTBI, SEC CIK 350852) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 9, 2026 and Form 4 insider filings as recently as August 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), COMMUNITY TRUST BANCORP INC /KY/ (CTBI) reported revenue of $345.7 million (up 10.3% from FY2024) and net income of $98.1 million. Diluted EPS was $5.43.
- The most recent insider open-market sale reported on Form 4 was by MINNIFIELD FRANKY on August 14, 2026 of 3,900 shares at $78.85 per share.
- In the last 90 days, CTBI insiders reported 0 open-market purchases ($0) and 1 open-market sale ($308K) on Form 4, a net sale of $308K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $345.7M
- +10.3% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$308K
- Latest 8-K
- Sep 9, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Community banking services through lending, deposits, and related financial products
- New equity compensation plan (2025 Plan) approved in 2024, authorized 550,000 shares, active February 1, 2025
- Strategic retirement of prior 2015 Stock Ownership Incentive Plan, rendered inactive as of February 1, 2025
- 550,000 shares authorized and available for future issuance under 2025 equity compensation plan as of December 31, 2025
- Filing relies heavily on proxy statement data filed separately within 120 days post fiscal year-end
Risk Factors
- Cybersecurity risk monitored quarterly by Board’s Risk and Compliance Committee with detailed reports on incidents and assessments
- Key-person dependency in cybersecurity with VP/CISRDO tenure 7 years, EVP/Operations 34 years, and VP/Network Manager 23 years
- Internal audit and third-party assessments review cyber risk controls, reported annually to Board’s Audit Committee
Management Discussion & Analysis
- Revenue and profitability details not disclosed in MD&A section
- Cash flow, buybacks, dividends, and capex not mentioned
AI summary of the CTBI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- MD&A excerpt contains no quarterly revenue, YoY comparison, or profitability figures
Risk Factors
- No new risk factors disclosed; Item 1A states “None”
- No material regulatory, legal, operational, competitive, market, liquidity, debt, currency, or concentration risks identified in provided text
- No director or officer adopted or terminated a Rule 10b5-1 arrangement during the three months ended June 30, 2026
AI summary of the CTBI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Investor presentation at Raymond James U.S. Bank and Banking on Technology Conferences on September 10, 2026
- Slides cover CTBI’s current and historical financial results
Item 8.01: Other Events
- Quarterly cash dividend raised 22.6% to $0.65 per share, signaling stronger shareholder distributions
- First increased payment scheduled October 1, 2026, for shareholders of record September 15, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 and six-month 2026 financial results released for periods ended June 30, 2026
- Press release furnished under Item 2.02, providing the detailed earnings figures and management commentary
Item EX-99.1: Item EX-99.1
- Record 2Q 2026 net income $29.6M, up from $24.9M YoY; diluted EPS $1.64 versus $1.38
- Net interest income rose 12.7% YoY to $60.9M as net interest margin expanded to 3.80%
AI summaries of CTBI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CTBI
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MINNIFIELD FRANKY | Sell | Aug 14, 2026 | 3,900 | $78.85 |
| STUMBO KEVIN J | G | Jul 17, 2026 | 50 | $74.82 |
| STUMBO KEVIN J | G | Jul 1, 2026 | 50 | $73.45 |
| Sandlin Jefferson F | A | Apr 28, 2026 | 301 | $66.46 |
| MINNIFIELD FRANKY | A | Apr 28, 2026 | 301 | $66.46 |
| Webb Lillian Kay | A | Apr 28, 2026 | 301 | $66.46 |
| Baird David L. | A | Apr 28, 2026 | 301 | $66.46 |
| St. Charles Anthony W. | A | Apr 28, 2026 | 301 | $66.46 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $268.6M | $313.4M | $345.7M |
| Net Income | $78.0M | $82.8M | $98.1M |
| Net Margin | 29.0% | 26.4% | 28.4% |
| Balance Sheet | |||
| Total Assets | $5.8B | $6.2B | $6.7B |
| Equity | $702.2M | $757.6M | $856.1M |
| ROE | 11.1% | 10.9% | 11.5% |
| Per Share | |||
| EPS | - | $4.61 | $5.43 |
| Cash Flow | |||
| Operating CF | $85.7M | $105.2M | $105.0M |
| CapEx | $6.3M | $8.1M | $7.6M |
Source: XBRL data in COMMUNITY TRUST BANCORP INC /KY/ (CTBI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
CTBI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 9, 2026 | - | Analysis | - |
| 4 | Aug 17, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | Jul 17, 2026 | - | - | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 4, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 8-K | Apr 28, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 4 | Mar 16, 2026 | - | - | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Feb 3, 2026 | - | - | |
| 4 | Jan 28, 2026 | - | - |
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CTBI SEC filings: frequently asked questions
Are CTBI insiders buying or selling?
In the last 90 days, COMMUNITY TRUST BANCORP INC /KY/ (CTBI) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $307,532 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was CTBI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), COMMUNITY TRUST BANCORP INC /KY/ (CTBI) reported revenue of $345.7 million (up 10.3% from FY2024) and net income of $98.1 million. Diluted EPS was $5.43. The figures come from the XBRL data in the 10-K.
What are the main risks in CTBI's latest 10-K?
In the 10-K filed February 27, 2026, COMMUNITY TRUST BANCORP INC /KY/ (CTBI) flagged: Cybersecurity risk monitored quarterly by Board’s Risk and Compliance Committee with detailed reports on incidents and assessments. Key-person dependency in cybersecurity with VP/CISRDO tenure 7 years, EVP/Operations 34 years, and VP/Network Manager 23 years. (AI summary of the Risk Factors section.)
What did CTBI report in its latest 8-K?
COMMUNITY TRUST BANCORP INC /KY/ (CTBI) filed an 8-K on September 9, 2026 reporting Item 7.01 (Regulation FD Disclosure). Investor presentation at Raymond James U.S. Bank and Banking on Technology Conferences on September 10, 2026.
What are the latest CTBI SEC filings?
COMMUNITY TRUST BANCORP INC /KY/ (CTBI) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 9, 2026 and a Form 4 insider filing on August 17, 2026.
What is CTBI's SEC CIK number?
COMMUNITY TRUST BANCORP INC /KY/ (CTBI)'s SEC Central Index Key (CIK) is 350852. EDGAR lists every CTBI filing under that number.
Ask anything about CTBI
The research agent reads CTBI's filings, financials, insider trades and 13F holders, then answers with sources.