Financhill
Buy
59

CTBI Quote, Financials, Valuation and Earnings

Last price:
$55.98
Seasonality move :
2.06%
Day range:
$54.15 - $55.32
52-week range:
$41.50 - $61.67
Dividend yield:
3.41%
P/E ratio:
11.53x
P/S ratio:
3.88x
P/B ratio:
1.28x
Volume:
63.9K
Avg. volume:
60.1K
1-year change:
26.92%
Market cap:
$999.9M
Revenue:
$248.6M
EPS (TTM):
$4.79
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $205.6M $223.5M $227M $230.8M $248.6M
Revenue Growth (YoY) 5.37% 8.75% 1.56% 1.65% 7.71%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $70.5M $78.4M $76.9M $79.4M $85.1M
Other Inc / (Exp) $1.8M -$158K -$168K $996K $631K
Operating Expenses $74.2M $81.8M $76.9M $79.4M $85.1M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $70.3M $110.6M $101M $98.6M $106.7M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $10.8M $22.7M $19.2M $20.6M $23.9M
Net Income to Company $59.5M $87.9M $81.8M $78M $82.8M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $59.5M $87.9M $81.8M $78M $82.8M
 
Basic EPS (Cont. Ops) $3.35 $4.94 $4.59 $4.36 $4.61
Diluted EPS (Cont. Ops) $3.35 $4.94 $4.58 $4.36 $4.61
Weighted Average Basic Share $17.7M $17.8M $17.8M $17.9M $18M
Weighted Average Diluted Share $17.8M $17.8M $17.9M $17.9M $18M
 
EBITDA -- -- -- -- --
EBIT $95.7M $125.7M $129.7M $194.1M $234.1M
 
Revenue (Reported) $205.6M $223.5M $227M $230.8M $248.6M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $95.7M $125.7M $129.7M $194.1M $234.1M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $55.8M $55M $57.6M $58.7M $66.2M
Revenue Growth (YoY) 16.86% -1.47% 4.73% 1.96% 12.67%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $20M $18.6M $20.3M $21.3M $21.5M
Other Inc / (Exp) -$168K $99K $218K $371K $480K
Operating Expenses $20.9M $19.4M $20.3M $21.3M $21.5M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $30M $24.8M $24.6M $23.8M $28.4M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $6.4M $5M $5.3M $5.2M $6.4M
Net Income to Company $23.6M $19.7M $19.3M $18.7M $22M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $23.6M $19.7M $19.3M $18.7M $22M
 
Basic EPS (Cont. Ops) $1.33 $1.11 $1.08 $1.04 $1.22
Diluted EPS (Cont. Ops) $1.33 $1.11 $1.08 $1.04 $1.22
Weighted Average Basic Share $17.8M $17.8M $17.9M $17.9M $18M
Weighted Average Diluted Share $17.8M $17.8M $17.9M $17.9M $18M
 
EBITDA -- -- -- -- --
EBIT $34M $28.3M $41.7M $55.3M $59.2M
 
Revenue (Reported) $55.8M $55M $57.6M $58.7M $66.2M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $34M $28.3M $41.7M $55.3M $59.2M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $213.6M $222.7M $229.6M $231.9M $256M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $72.7M $77M $78.6M $80.4M $85.3M
Other Inc / (Exp) $1.4M $109K -$49K $1.1M $740K
Operating Expenses $76.4M $80.3M $80.1M $80.4M $85.3M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $93.4M $105.4M $100.9M $97.8M $111.2M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $16.9M $21.3M $19.5M $20.5M $25.1M
Net Income to Company $76.5M $84M $81.4M $77.4M $86.1M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $76.5M $84M $81.4M $77.4M $86.1M
 
Basic EPS (Cont. Ops) $4.31 $4.73 $4.57 $4.32 $4.79
Diluted EPS (Cont. Ops) $4.31 $4.72 $4.56 $4.31 $4.79
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA -- -- -- -- --
EBIT $114.4M $120M $143.1M $207.7M $238M
 
Revenue (Reported) $213.6M $222.7M $229.6M $231.9M $256M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $114.4M $120M $143.1M $207.7M $238M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $55.8M $55M $57.6M $58.7M $66.2M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $20M $18.6M $20.3M $21.3M $21.5M
Other Inc / (Exp) -$168K $99K $218K $371K $480K
Operating Expenses $20.9M $19.4M $20.3M $21.3M $21.5M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $30M $24.8M $24.6M $23.8M $28.4M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $6.4M $5M $5.3M $5.2M $6.4M
Net Income to Company $23.6M $19.7M $19.3M $18.7M $22M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $23.6M $19.7M $19.3M $18.7M $22M
 
Basic EPS (Cont. Ops) $1.33 $1.11 $1.08 $1.04 $1.22
Diluted EPS (Cont. Ops) $1.33 $1.11 $1.08 $1.04 $1.22
Weighted Average Basic Share $17.8M $17.8M $17.9M $17.9M $18M
Weighted Average Diluted Share $17.8M $17.8M $17.9M $17.9M $18M
 
EBITDA -- -- -- -- --
EBIT $34M $28.3M $41.7M $55.3M $59.2M
 
Revenue (Reported) $55.8M $55M $57.6M $58.7M $66.2M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $34M $28.3M $41.7M $55.3M $59.2M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $338.5M $312M $128.9M $271.6M $369.8M
Short Term Investments $997.3M $1.5B $1.3B $1.2B $1.1B
Accounts Receivable, Net $15.8M $15.4M $19.6M $23.6M $24.8M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $1.4B $1.8B $1.4B $1.5B $1.5B
 
Property Plant And Equipment $55.2M $52.6M $59.7M $61M $64M
Long-Term Investments $999.7M $1.5B $1.3B $1.2B $1.1B
Goodwill $65.5M $65.5M $65.5M $65.5M $65.5M
Other Intangibles $4.1M $6.8M $8.5M $7.7M $7.4M
Other Long-Term Assets -- -- -- -- --
Total Assets $5.1B $5.4B $5.4B $5.8B $6.2B
 
Accounts Payable $1.2M $1M $2.2M $7.4M $8.4M
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $357.6M $272.6M $218.2M $233.1M $249M
 
Long-Term Debt $58.2M $58.2M $58.2M $64.6M $64.3M
Capital Leases -- -- -- -- --
Total Liabilities $4.5B $4.7B $4.8B $5.1B $5.4B
 
Common Stock $89.1M $89.2M $89.6M $90M $90.3M
Other Common Equity Adj $13.6M -$4.8M -$129.2M -$103.3M -$98.4M
Common Equity $654.9M $698.2M $628M $702.2M $757.6M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $654.9M $698.2M $628M $702.2M $757.6M
 
Total Liabilities and Equity $5.1B $5.4B $5.4B $5.8B $6.2B
Cash and Short Terms $1.3B $1.8B $1.4B $1.4B $1.4B
Total Debt $58.2M $58.2M $58.2M $64.6M $64.3M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Cash and Equivalents $423.4M $164.7M $236.1M $293.5M $340.9M
Short Term Investments $1.2B $1.5B $1.2B $1.1B $592.4M
Accounts Receivable, Net $15.2M $15M $19M $23.5M $24M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $1.6B $1.7B $1.5B $1.4B $957.3M
 
Property Plant And Equipment $53.8M $52.7M $59.7M $62.1M $66.4M
Long-Term Investments $1.2B $1.5B $1.2B $1.1B $1B
Goodwill $65.5M $65.5M $65.5M $65.5M $65.5M
Other Intangibles $5.6M $7.7M $8.1M $7.8M $7.1M
Other Long-Term Assets -- -- -- -- --
Total Assets $5.4B $5.4B $5.5B $5.9B $6.3B
 
Accounts Payable $1.4M $1.3M $4.1M $9.4M $10.9M
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $356.1M $256.4M $213.4M $244.5M $258M
 
Long-Term Debt $58.2M $58.2M $64.8M $64.5M $64.3M
Capital Leases -- -- -- -- --
Total Liabilities $4.7B $4.8B $4.9B $5.1B $5.5B
 
Common Stock $89.1M $89.4M $89.9M $90.1M $90.5M
Other Common Equity Adj $3.6M -$63M -$112.4M -$106.9M -$86.1M
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $662.1M $653.4M $656.8M $707.7M $784.2M
 
Total Liabilities and Equity $5.4B $5.4B $5.5B $5.9B $6.3B
Cash and Short Terms $1.6B $1.7B $1.5B $1.4B $933.3M
Total Debt $58.2M $58.2M $64.8M $64.5M $64.3M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $59.5M $87.9M $81.8M $78M $82.8M
Depreciation & Amoritzation $5.3M $5M $5.2M $5.4M $5M
Stock-Based Compensation $944K $850K $1.4M $1.6M $1.4M
Change in Accounts Receivable -$982K $403K -$4.2M -$4M -$1.2M
Change in Inventories -- -- -- -- --
Cash From Operations $62.4M $115.7M $99.7M $85.7M $105.2M
 
Capital Expenditures $1.5M $2.4M $6.2M $6.3M $8.1M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$693.5M -$358.6M -$280M -$226.6M -$335.7M
 
Dividends Paid (Ex Special Dividend) -$27.1M -$27.9M -$29.9M -$32.2M -$33.4M
Special Dividend Paid
Long-Term Debt Issued $25M -- $45M $231.6M $100M
Long-Term Debt Repaid -$25M -$39K -$45M -$225.2M -$100.2M
Repurchase of Common Stock -$1.1M -- -- -- --
Other Financing Activities -- -- -- -- --
Cash From Financing $704.7M $216.4M -$2.7M $283.6M $328.6M
 
Beginning Cash (CF) $264.7M $338.2M $311.8M $128.7M $271.4M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $73.6M -$26.5M -$183.1M $142.7M $98.1M
Ending Cash (CF) $338.2M $311.8M $128.7M $271.4M $369.5M
 
Levered Free Cash Flow $60.9M $113.3M $93.5M $79.4M $97.1M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $23.6M $19.7M $19.3M $18.7M $22M
Depreciation & Amoritzation $1.3M $813K $907K $1.1M $1.4M
Stock-Based Compensation $213K $484K $377K $343K $544K
Change in Accounts Receivable $630K $391K $580K $43K $726K
Change in Inventories -- -- -- -- --
Cash From Operations $31.7M $27.4M $25.2M $26.2M $36.6M
 
Capital Expenditures $403K $1.1M $910K $2.2M $2.1M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$156.3M -$235.3M -$27.6M -$65.3M -$104.6M
 
Dividends Paid (Ex Special Dividend) -$6.8M -$7.1M -$7.9M -$8.3M -$8.5M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued -- -- $56.6M -- --
Long-Term Debt Repaid -$8K -$11K -$50M -$99K -$102K
Repurchase of Common Stock -- -- -- -- --
Other Financing Activities -- -- -- -- --
Cash From Financing $209.5M $60.7M $109.6M $61M $39.2M
 
Beginning Cash (CF) $338.2M $311.8M $128.7M $271.4M $369.5M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $84.9M -$147.3M $107.2M $21.9M -$28.8M
Ending Cash (CF) $423.1M $164.5M $235.9M $293.3M $340.7M
 
Levered Free Cash Flow $31.3M $26.3M $24.3M $24M $34.5M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $76.5M $84M $81.4M $77.4M $86.1M
Depreciation & Amoritzation $5.3M $4.6M $5.3M $5.5M $5.3M
Stock-Based Compensation $929K $1.1M $1.3M $1.5M $1.6M
Change in Accounts Receivable -$508K $164K -$4M -$4.5M -$500K
Change in Inventories -- -- -- -- --
Cash From Operations $80.4M $111.3M $97.5M $86.7M $115.6M
 
Capital Expenditures $1.5M $3M $6.1M $7.6M $8M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$775.2M -$437.6M -$72.3M -$264.3M -$375M
 
Dividends Paid (Ex Special Dividend) -$27.2M -$28.2M -$30.7M -$32.6M -$33.6M
Special Dividend Paid
Long-Term Debt Issued -- -- $101.6M $175M --
Long-Term Debt Repaid -$36K -$42K -$95M -$175.3M -$100.2M
Repurchase of Common Stock -- -- -- -- --
Other Financing Activities -- -- -- -- --
Cash From Financing $925.2M $67.6M $46.2M $235M $306.8M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $230.4M -$258.6M $71.4M $57.4M $47.4M
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $78.9M $108.3M $91.5M $79.2M $107.6M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $23.6M $19.7M $19.3M $18.7M $22M
Depreciation & Amoritzation $1.3M $813K $907K $1.1M $1.4M
Stock-Based Compensation $213K $484K $377K $343K $544K
Change in Accounts Receivable $630K $391K $580K $43K $726K
Change in Inventories -- -- -- -- --
Cash From Operations $31.7M $27.4M $25.2M $26.2M $36.6M
 
Capital Expenditures $403K $1.1M $910K $2.2M $2.1M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$156.3M -$235.3M -$27.6M -$65.3M -$104.6M
 
Dividends Paid (Ex Special Dividend) -$6.8M -$7.1M -$7.9M -$8.3M -$8.5M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued -- -- $56.6M -- --
Long-Term Debt Repaid -$8K -$11K -$50M -$99K -$102K
Repurchase of Common Stock -- -- -- -- --
Other Financing Activities -- -- -- -- --
Cash From Financing $209.5M $60.7M $109.6M $61M $39.2M
 
Beginning Cash (CF) $338.2M $311.8M $128.7M $271.4M $369.5M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $84.9M -$147.3M $107.2M $21.9M -$28.8M
Ending Cash (CF) $423.1M $164.5M $235.9M $293.3M $340.7M
 
Levered Free Cash Flow $31.3M $26.3M $24.3M $24M $34.5M

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