10 Year Financial Data of Community Trust Bancorp, Inc. (CTBI)

36.09 (1y: +10%)

Market Cap	561.8 M	P/E(ttm)	12.40
Enterprise Value	621.84 M	P/B	1.40

CTBI- NAS (USA)
Community Trust Bancorp, Inc.

Currently 2.5/5

Business Predictability Rank: 2.5-Star
Back Testing Results:
Average gain of all 2.5-Star stocks: 7.3% per year.
% of Stocks that are in still loss if held for 10yrs: 18%.
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$36.09

1 Severe Warning Sign 4 Medium Warning Signs 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	3.9	6.2	0.4
EBITDA Growth (%)	1.4	17.5	5.9
Free Cash Flow Growth (%)	-10.5	5	-17.1
Book Value Growth (%)	6.2	6.1	7.5

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	8.03	8.42	9.02	9.16	9.27	9.23	9.69	10.50	11.41	11.47	11.50	2.86	2.86	2.82	2.93	2.89
EBITDA per Share	3.11	3.29	3.74	4.07	3.82	2.40	2.70	3.41	3.90	4.47	4.46	1.19	1.21	1.04	1.03	1.18
Free Cashflow per Share	15.12	7.95	3.00	3.62	3.31	3.61	2.21	3.84	3.94	3.45	3.98	1.50	0.38	1.56	0.01	2.03
Earnings per Share ($)	1.92	2.05	2.27	2.55	2.38	1.52	1.65	2.16	2.53	2.89	2.89	0.77	0.79	0.66	0.68	0.76
Dividends Per Share	0.75	0.87	0.98	1.05	1.10	1.16	1.20	1.21	1.23	1.25	1.26	0.31	0.31	0.32	0.32	0.32
Book Value per Share	14.70	15.64	16.75	18.43	19.58	20.33	21.19	22.19	23.88	25.79	26.08	24.26	24.99	25.46	25.69	26.08
Month End Stock Price	28.36	32.36	30.75	41.53	27.53	36.75	24.45	28.96	29.42	32.78	34.03	32.07	33.49	35.54	32.78	34.03
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	13.00	13.10	13.60	13.80	12.20	7.50	7.80	9.80	10.60	11.20	11.60	12.80	12.80	10.40	10.40	11.60
Return on Assets %	1.20	1.10	1.20	1.30	1.30	0.80	0.80	1.00	1.10	1.20	1.20	1.20	1.20	1.20	1.20	1.20
Return on Capital - Joel Greenblatt %	--	32.10	55.50	96.90	712	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.28	0.94	0.72	0.56	0.40	0.43	0.29	0.27	0.26	0.16	0.15	0.22	0.18	0.18	0.16	0.15

Operating Margin %	33.80	34.50	36.50	39.60	37.20	22.40	24.30	29.70	31.70	36.50	38.30	39.10	40.00	34.50	32.60	38.30
Net Margin %	23.90	24.30	25.20	27.80	25.70	16.50	17.10	20.60	22.20	25.20	26.20	26.90	27.60	23.30	23.10	26.20

Debt to Revenue	0.52	1.75	1.33	1.13	0.85	0.95	0.64	0.58	0.55	0.35	1.39	1.89	1.60	1.63	1.37	1.39
Interest Exp. to Revenue %	69.94	73.32	75.51	76.68	74.34	74.04	71.81	74.45	74.99	74.20	73.58	74.69	72.94	75.30	73.87	73.58

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-9.10	-6.00	-3.30	-9.80	-7.50	-16.80	-8.50	-10.50	-2.80	-7.50
Dividend Payout Ratio	0.39	0.42	0.43	0.41	0.46	0.76	0.73	0.56	0.49	0.43	0.42	0.40	0.39	0.48	0.47	0.42
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	84.62	93.21	103	108	106	104	106	119	131	132	132	33.01	32.32	33.05	33.76	33.20
Non Interest Income	36.37	33.92	33.47	32.72	36.61	36.33	41.42	40.93	43.83	45.96	46.69	11.19	11.99	10.84	11.94	11.92
Revenue	121	127	137	140	143	140	147	160	175	178	179	44.19	44.31	43.88	45.71	45.12

Selling, General, &Admin. Expense	34.59	39.50	42.54	44.15	42.30	42.22	55.42	58.56	61.13	62.99	63.34	15.65	15.06	16.09	16.19	16.00
Credit Losses Provision	9.33	8.65	8.29	4.31	6.54	11.45	17.47	16.48	13.26	9.45	9.85	1.16	2.43	2.92	2.95	1.56
Other Expenses	30.29	29.37	29.21	29.49	35.09	49.92	33.14	33.11	41.05	36.24	36.35	9.04	8.03	8.63	10.55	9.15
Earnings Before DDA	46.78	49.61	56.64	62.39	58.71	36.37	40.90	52.02	59.85	69.41	69.48	18.34	18.79	16.25	16.03	18.41

Depreciation, Depletion and Amortization	5.85	5.72	6.82	6.78	5.67	4.95	5.24	4.38	4.22	4.32	4.41	1.06	1.06	1.09	1.11	1.15

Operating Income	40.92	43.89	49.82	55.61	53.05	31.42	35.66	47.65	55.64	65.09	65.06	17.28	17.74	15.15	14.92	17.26
Net Income	28.89	30.95	34.41	39.06	36.63	23.07	25.06	33.03	38.83	44.86	44.81	11.87	12.23	10.21	10.55	11.82

Earnings per Share ($)	1.92	2.05	2.27	2.55	2.38	1.52	1.65	2.16	2.53	2.89	2.89	0.77	0.79	0.66	0.68	0.76
Total Shares Outstanding	15.06	15.10	15.16	15.32	15.39	15.16	15.17	15.26	15.36	15.52	15.59	15.46	15.50	15.56	15.58	15.59
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	79.91	78.73	91.07	95.44	105	95.10	94.53	133	248	206	175	253	179	195	206	175
Money Market Investments	9.05	50.86	31.15	90.13	60.10	45.88	47.60	26.34	2.70	6.67	2.23	3.46	9.47	7.43	6.67	2.23
Net Loan	1,712	1,876	2,078	2,141	2,202	2,318	2,405	2,571	2,524	2,540	2,531	2,511	2,515	2,519	2,540	2,531
Securities & Investments	509	545	471	466	357	293	285	340	529	605	679	616	631	623	605	679
Property, Plant and Equipment	49.99	53.11	57.97	55.67	53.39	51.59	49.24	55.34	54.30	54.32	53.49	54.73	54.86	55.07	54.32	53.49
Intangible Assets	63.95	63.37	66.71	67.61	66.98	68.51	69.11	70.00	68.89	68.76	68.99	69.19	69.00	68.73	68.76	68.99
Other Assets	49.86	42.58	53.66	53.20	57.72	82.03	137	160	165	155	162	168	177	173	155	162
Total Assets	2,474	2,709	2,849	2,970	2,903	2,955	3,087	3,356	3,591	3,636	3,672	3,674	3,636	3,642	3,636	3,672

Total Deposits	2,068	2,140	2,247	2,341	2,293	2,332	2,462	2,706	2,878	2,904	2,934	2,948	2,941	2,912	2,904	2,934
Current Portion of Long-Term Debt	3.19	162	123	97.19	59.27	11.49	12.21	9.68	13.10	--	--	20.75	7.99	8.82	--	--
Long-Term Debt	59.50	59.50	59.50	61.34	61.34	122	82.01	82.58	82.95	62.77	62.73	62.90	62.86	62.81	62.77	62.73
Other liabilities	122	111	166	188	188	181	209	219	250	269	269	268	237	262	269	269
Total Liabilities	2,253	2,473	2,595	2,687	2,601	2,646	2,765	3,017	3,224	3,235	3,265	3,299	3,248	3,245	3,235	3,265

Common Stock	67.31	74.23	74.99	75.79	75.22	75.33	75.92	--	77.15	78.07	78.27	77.64	77.85	78.02	78.07	78.27
Retained Earnings	43.66	15.87	35.67	58.88	78.25	81.94	88.84	103	123	149	156	131	138	143	149	156
Additional Paid-In Capital	106	145	148	151	149	150	152	155	156	161	162	158	159	160	161	162
Total Equity	221	236	254	282	301	308	321	339	367	400	407	375	387	396	400	407
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	28.89	30.95	34.41	39.06	36.63	23.07	25.06	33.03	38.83	44.86	44.81	11.87	12.23	10.21	10.55	11.82
Depreciation, Depletion and Amortization	5.85	5.72	6.82	6.78	5.67	4.95	5.24	4.38	4.22	4.32	4.41	1.06	1.06	1.09	1.11	1.15
Cash Flow from Others	193	83.30	4.32	9.64	8.70	26.74	7.39	23.89	21.28	8.71	15.91	11.73	-6.26	14.20	-10.96	18.93
Cash Flow from Operations	228	120	45.55	55.48	51.00	54.76	37.69	61.30	64.33	57.90	65.13	24.66	7.03	25.51	0.70	31.90

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-4.19	-2.65	-3.86	-4.30	-3.13	-1.44	-1.13	-1.25	-0.48	-0.27
Cash Flow from Acquisitions	--	--	-4.31	--	--	--	--	--	--	--	--	--	--	--	--	--
Cash Flow from Investing	-240	-286	-81.92	-91.64	37.32	-83.46	-134	-112	-172	-70.96	-92.80	-81.75	-14.84	3.78	21.84	-104

Net Issuance of Stock	-3.29	0.43	3.36	3.18	-3.43	0.10	2.29	1.99	1.29	4.40	3.29	1.99	1.03	1.07	0.30	0.88
Net Issuance of Debt	33.33	147	3.94	-10.66	-40.57	11.39	-16.29	-0.63	0.37	-20.18	-0.18	-20.05	-0.05	-0.05	-0.04	-0.04
Cash Flow for Dividends	-11.06	-12.85	-14.62	-15.66	-16.36	-17.40	-18.12	-18.33	-18.74	-19.22	-19.35	-4.75	-4.78	-4.80	-4.88	-4.89
Other Financing	-60.10	72.85	36.32	94.62	-48.25	38.34	130	84.33	205	17.15	-31.38	84.63	-43.17	-11.42	-12.90	36.11
Cash Flow from Financing	-41.11	207	29.00	71.48	-109	32.43	97.86	67.35	187	-17.85	-47.62	61.82	-46.96	-15.19	-17.52	32.06

Net Change in Cash	-53.25	40.62	-7.37	35.33	-20.29	3.73	1.25	16.85	79.50	-30.92	-75.28	4.74	-54.77	14.09	5.02	-39.62

Free Cash Flow	228	120	45.55	55.48	51.00	54.76	33.50	58.65	60.47	53.60	62.00	23.23	5.89	24.25	0.22	31.64
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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CTBI Quarterly/Annuals Reports

CTBI: 10-Q - COMMUNITY TRUST BANCORP INC /KY/ (0000350852) (Filer): (10-Q) - 2012-11-08
CTBI: 10-Q - COMMUNITY TRUST BANCORP INC /KY/ (0000350852) (Filer): (10-Q) - 2012-08-09
CTBI: 10-Q - COMMUNITY TRUST BANCORP INC /KY/ (0000350852) (Filer): (10-Q) - 2012-05-09
CTBI: 10-K/A - COMMUNITY TRUST BANCORP INC /KY/ (0000350852) (Filer): (10-K/A) - 2012-03-16
CTBI: 10-K - COMMUNITY TRUST BANCORP INC /KY/ (0000350852) (Filer): (10-K) - 2012-03-15

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