Short answer
COMMUNITY TRUST BANCORP INC /KY/ (CTBI) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $346M (+10.3% year over year) and net income of $98M.
- Top risk flagged: Cybersecurity risk monitored quarterly by Board’s Risk and Compliance Committee with detailed reports on incidents and assessments
FY2025 key financial metrics · XBRL
- Revenue
- $346M
- +10.3% YoY
- Net income
- $98M
- +18.4% YoY
- EPS (diluted)
- $5.43
- +17.8% YoY
- ROE
- 11.5%
- +0.5 pp YoY
- Operating cash flow
- $105M
- −0.2% YoY
Source: XBRL data from the COMMUNITY TRUST BANCORP INC /KY/ (CTBI) FY2025 10-K on SEC EDGAR. USD.
COMMUNITY TRUST BANCORP INC /KY/ FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
Management Discussion & Analysis
- Revenue and profitability details not disclosed in MD&A section
- Cash flow, buybacks, dividends, and capex not mentioned
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
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.