Community Trust Bank-Compared to Estimates, Community Trust Bancorp (CTBI) Q4 Earnings: A Look at Key Metrics

Core Insights - Community Trust Bancorp (CTBI) reported a revenue of $65.96 million for the quarter ended December 2024, marking a year-over-year increase of 15.7% and exceeding the Zacks Consensus Estimate of$ 64 million by 3.06% [1] - The earnings per share (EPS) for the same period was $1.25, compared to$ 1.04 a year ago, also surpassing the consensus EPS estimate of $1.20 by 4.17% [1] Financial Performance Metrics - Efficiency ratio was reported at 51.6%, slightly better than the estimated 51.8% by analysts [4] - Net Interest Margin remained stable at 3.4%, matching the analysts' average estimate [4] - Average Balances of Interest-earning assets were$ 5.78 billion, exceeding the average estimate of $5.66 billion [4] - Net charge-offs as a percentage of average loans and leases were 0.1%, better than the estimated 0.2% [4] - Net Interest Income was$ 49.53 million, surpassing the average estimate of $48.24 million [4] - Total Non-Interest Income reached$ 16.16 million, exceeding the average estimate of $15.20 million [4] - Loan-related fees were$ 1.47 million, compared to the average estimate of $1.05 million [4] - Deposit-related fees amounted to$ 7.62 million, exceeding the average estimate of $7.27 million [4] - Trust revenue was reported at$ 3.96 million, slightly above the average estimate of $3.87 million [4] - Other non-interest income was$ 2.54 million, surpassing the average estimate of $2.05 million [4] Stock Performance - Shares of Community Trust Bancorp have returned -8.3% over the past month, compared to the Zacks S&P 500 composite's -3.3% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]