Community Trust Bancorp, Inc. — Earnings Quality Grade C
CTBI · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 34 days, change -3 days YoY
AR growth 4.8% vs revenue growth 13.7%
Revenue grew 13.7% but CFFO declined -0.3%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -5.9% vs revenue 13.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.07. Profits backed by cash
FCF $0.1B, FCF/NI = 0.99
Accruals ratio = -0.1%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 8% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Community Trust Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25