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

Community Trust Bancorp (CTBI) reported $65.96 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 15.7%. EPS of $1.25 for the same period compares to $1.04 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $64 million, representing a surprise of +3.06%. The company delivered an EPS surprise of +4.17%, with the consensus EPS estimate being $1.20.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Community Trust Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency ratio: 51.6% versus 51.8% estimated by three analysts on average. Net Interest Margin: 3.4% versus 3.4% estimated by three analysts on average. Average Balances-Interest-earning assets: $5.78 billion versus the three-analyst average estimate of $5.66 billion. Net charge-offs as a % of average loans and leases: 0.1% versus 0.2% estimated by two analysts on average. Net Interest Income: $49.53 million compared to the $48.24 million average estimate based on three analysts. Total Non Interest Income: $16.16 million versus the three-analyst average estimate of $15.20 million. Loan related fees: $1.47 million compared to the $1.05 million average estimate based on two analysts. Deposit related fees: $7.62 million versus the two-analyst average estimate of $7.27 million. Trust revenue: $3.96 million compared to the $3.87 million average estimate based on two analysts. Other noninterest income: $2.54 million compared to the $2.05 million average estimate based on two analysts. View all Key Company Metrics for Community Trust Bancorp here>>>Shares of Community Trust Bancorp have returned -8.3% over the past month versus the Zacks S&P 500 composite's -3.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Free Today: Profiting from The Future’s Brightest Energy SourceThe demand for electricity is growing exponentially. At the same time, we’re working to reduce our dependence on fossil fuels like oil and natural gas. Nuclear energy is an ideal replacement.Leaders from the US and 21 other countries recently committed to TRIPLING the world’s nuclear energy capacities. This aggressive transition could mean tremendous profits for nuclear-related stocks – and investors who get in on the action early enough.Our urgent report, Atomic Opportunity: Nuclear Energy's Comeback, explores the key players and technologies driving this opportunity, including 3 standout stocks poised to benefit the most.Download Atomic Opportunity: Nuclear Energy's Comeback free today.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Community Trust Bancorp, Inc. (CTBI): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks