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Side-by-side financial comparison of COMMUNITY TRUST BANCORP INC (CTBI) and LAKELAND FINANCIAL CORP (LKFN). Click either name above to swap in a different company.
COMMUNITY TRUST BANCORP INC is the larger business by last-quarter revenue ($74.7M vs $69.7M, roughly 1.1× LAKELAND FINANCIAL CORP). LAKELAND FINANCIAL CORP runs the higher net margin — 38.0% vs 36.5%, a 1.5% gap on every dollar of revenue. Over the past eight quarters, COMMUNITY TRUST BANCORP INC's revenue compounded faster (12.8% CAGR vs 0.7%).
Community Trust Bancorp is an American regional bank holding company that was founded in 1903 as Pikeville National Bank. The renamed corporation continues to have its headquarters in Pikeville, Kentucky, at the heart of Appalachia. Community Trust Bancorp operates a commercial bank, Community Trust Bank, and a trust company, Community Trust and Investment Company of Lexington.
Amscot Financial is an American financial services company headquartered in Tampa, Florida. Founded in 1989 by Ian MacKechnie, Amscot Financial provides non-bank consumer financial services through a network of retail branches located exclusively within Florida. Amscot's core services include check cashing, bill payment, prepaid access cards, payday loans, free money orders, ATMs in every branch, wire transfers, notary services, fax services, and postage. Amscot Financial operates nearly 240 ...
CTBI vs LKFN — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $74.7M | $69.7M |
| Net Profit | $27.3M | $26.5M |
| Gross Margin | — | — |
| Operating Margin | 47.3% | — |
| Net Margin | 36.5% | 38.0% |
| Revenue YoY | 13.8% | — |
| Net Profit YoY | 21.3% | 31.8% |
| EPS (diluted) | $1.51 | $1.04 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $69.7M | ||
| Q4 25 | $74.7M | $69.8M | ||
| Q3 25 | $71.5M | $69.0M | ||
| Q2 25 | $70.2M | $66.4M | ||
| Q1 25 | $66.2M | $63.8M | ||
| Q4 24 | $65.7M | $63.6M | ||
| Q3 24 | $62.8M | $61.2M | ||
| Q2 24 | $61.4M | $68.7M |
| Q1 26 | — | $26.5M | ||
| Q4 25 | $27.3M | $29.9M | ||
| Q3 25 | $23.9M | $26.4M | ||
| Q2 25 | $24.9M | $27.0M | ||
| Q1 25 | $22.0M | $20.1M | ||
| Q4 24 | $22.5M | $24.2M | ||
| Q3 24 | $22.1M | $23.3M | ||
| Q2 24 | $19.5M | $22.5M |
| Q1 26 | — | — | ||
| Q4 25 | 47.3% | 52.1% | ||
| Q3 25 | 43.2% | 46.4% | ||
| Q2 25 | 46.2% | 49.6% | ||
| Q1 25 | 42.9% | 38.0% | ||
| Q4 24 | 44.7% | 46.0% | ||
| Q3 24 | 43.8% | 45.3% | ||
| Q2 24 | 42.3% | 39.2% |
| Q1 26 | — | 38.0% | ||
| Q4 25 | 36.5% | 42.8% | ||
| Q3 25 | 33.4% | 38.3% | ||
| Q2 25 | 35.5% | 40.6% | ||
| Q1 25 | 33.2% | 31.5% | ||
| Q4 24 | 34.2% | 38.1% | ||
| Q3 24 | 35.3% | 38.1% | ||
| Q2 24 | 31.8% | 32.8% |
| Q1 26 | — | $1.04 | ||
| Q4 25 | $1.51 | $1.16 | ||
| Q3 25 | $1.32 | $1.03 | ||
| Q2 25 | $1.38 | $1.04 | ||
| Q1 25 | $1.22 | $0.78 | ||
| Q4 24 | $1.25 | $0.94 | ||
| Q3 24 | $1.23 | $0.91 | ||
| Q2 24 | $1.09 | $0.87 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $363.7M | $85.6M |
| Total DebtLower is stronger | $63.8M | $183.6M |
| Stockholders' EquityBook value | $856.1M | $749.0M |
| Total Assets | $6.7B | $7.1B |
| Debt / EquityLower = less leverage | 0.07× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $85.6M | ||
| Q4 25 | $363.7M | $141.3M | ||
| Q3 25 | $507.6M | $192.8M | ||
| Q2 25 | $395.3M | $310.2M | ||
| Q1 25 | $340.7M | $235.2M | ||
| Q4 24 | $369.5M | $168.2M | ||
| Q3 24 | $240.9M | $160.2M | ||
| Q2 24 | $161.7M | $121.2M |
| Q1 26 | — | $183.6M | ||
| Q4 25 | $63.8M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $64.0M | — | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $55.0M |
| Q1 26 | — | $749.0M | ||
| Q4 25 | $856.1M | $762.4M | ||
| Q3 25 | $831.4M | $747.4M | ||
| Q2 25 | $806.9M | $709.9M | ||
| Q1 25 | $784.2M | $694.4M | ||
| Q4 24 | $757.6M | $683.8M | ||
| Q3 24 | $760.8M | $699.1M | ||
| Q2 24 | $719.3M | $654.5M |
| Q1 26 | — | $7.1B | ||
| Q4 25 | $6.7B | $7.0B | ||
| Q3 25 | $6.6B | $6.9B | ||
| Q2 25 | $6.4B | $7.0B | ||
| Q1 25 | $6.3B | $6.9B | ||
| Q4 24 | $6.2B | $6.7B | ||
| Q3 24 | $6.0B | $6.6B | ||
| Q2 24 | $5.8B | $6.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | 0.07× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.08× | — | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.08× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $105.0M | — |
| Free Cash FlowOCF − Capex | $97.4M | — |
| FCF MarginFCF / Revenue | 130.3% | — |
| Capex IntensityCapex / Revenue | 10.2% | — |
| Cash ConversionOCF / Net Profit | 3.85× | — |
| TTM Free Cash FlowTrailing 4 quarters | $181.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $105.0M | $114.9M | ||
| Q3 25 | $37.5M | $36.1M | ||
| Q2 25 | $15.9M | $16.2M | ||
| Q1 25 | $36.6M | $28.9M | ||
| Q4 24 | $105.3M | $102.5M | ||
| Q3 24 | $36.7M | $18.0M | ||
| Q2 24 | $20.0M | $21.0M |
| Q1 26 | — | — | ||
| Q4 25 | $97.4M | $103.8M | ||
| Q3 25 | $36.4M | $31.1M | ||
| Q2 25 | $13.6M | $14.1M | ||
| Q1 25 | $34.5M | $27.1M | ||
| Q4 24 | $97.2M | $93.9M | ||
| Q3 24 | $35.4M | $15.3M | ||
| Q2 24 | $18.4M | $18.6M |
| Q1 26 | — | — | ||
| Q4 25 | 130.3% | 148.7% | ||
| Q3 25 | 50.8% | 45.0% | ||
| Q2 25 | 19.3% | 21.2% | ||
| Q1 25 | 52.2% | 42.5% | ||
| Q4 24 | 148.0% | 147.6% | ||
| Q3 24 | 56.4% | 25.0% | ||
| Q2 24 | 30.1% | 27.0% |
| Q1 26 | — | — | ||
| Q4 25 | 10.2% | 15.9% | ||
| Q3 25 | 1.7% | 7.3% | ||
| Q2 25 | 3.4% | 3.2% | ||
| Q1 25 | 3.1% | 2.8% | ||
| Q4 24 | 12.3% | 13.6% | ||
| Q3 24 | 2.1% | 4.4% | ||
| Q2 24 | 2.5% | 3.5% |
| Q1 26 | — | — | ||
| Q4 25 | 3.85× | 3.84× | ||
| Q3 25 | 1.57× | 1.37× | ||
| Q2 25 | 0.64× | 0.60× | ||
| Q1 25 | 1.66× | 1.44× | ||
| Q4 24 | 4.68× | 4.24× | ||
| Q3 24 | 1.66× | 0.77× | ||
| Q2 24 | 1.02× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTBI
Segment breakdown not available.
LKFN
| Net Interest Income | $56.8M | 81% |
| Noninterest Income | $12.9M | 19% |
