All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2025-03-05.
From the record
Community Trust Bancorp, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2025-03-05) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10% a year over 10 filed years; profitable in 10 of 10.
From the record
Community Trust Bancorp, Inc.'s 10 filed years say what it did: revenue went from $147 million in fiscal 2016 to $346 million in fiscal 2025, up 10% a year; it rose in 8 of 9 years; the deepest fall was 5% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.4% a year. 34% of cash flow returned. Insiders: 1 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Community Trust Bancorp, Inc.'s diluted share count grew about 0.4% a year, and dividends and buybacks returned about 34% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 1 purchase of their own stock on the open market in the year to 2026-11-09, buying about $5 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Community Trust Bancorp, Inc. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 33% of 155 in its family; net margin 28.4%.
From the record
Community Trust Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $346 million in fiscal 2025 ranks in the top 49% by size; a net margin of 28.4% ranks in the top 20%; revenue growth of 20.5% a year over the last 3 filed years ranks in the top 32% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 46% of 150 in its family for leadership; chief executive since 2025.
From the record
Community Trust Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Gooch, Mark A (Chairman, President & CEO, as filed), filing under that title since 2025-01-08, 1.8 years (bottom 14% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 13.7 years (top 7%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 32%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 34% of 142 in its family for room to expand.
From the record
Community Trust Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $364 million against debt of $64 million leaves 4.5% of its assets as net cash, top 37% of its family; cash from operations less capital spending is 28.2% of revenue (top 31%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 28% of 152 in its family for growth drivers.
From the record
Community Trust Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 20.5% a year over the last three filed years against 10% over all 10, speeding up (top 11% of its family); the newest year grew 10.3% (top 27%); capital spending grew 6.9% a year (top 47%) (its annual reports). Community Trust Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 43% of 150 in its family for expectations against reality.
From the record
Community Trust Bancorp, Inc.'s newest year against its own record: revenue of $346 million in fiscal 2025 came in 12.4% below the $395 million its prior three years' pace pointed to (top 39% of its family); net income of $98 million against a prior three-year average of $81 million (top 35%); a net margin of 28.4% against 32.3% before (bottom 44%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made