Community Trust Bancorp vs Heritage Financial
Community Trust Bancorp and Heritage Financial are similar in size: $283m and $246m of revenue in their latest fiscal years. Community Trust Bancorp grew faster (13.7% against 13.5%). Community Trust Bancorp kept more of each dollar of sales as profit: a net margin of 34.7% against 27.4%.
| Latest fiscal year | Community Trust BancorpCTBI, 2025 | Heritage FinancialHFWA, 2025 |
|---|---|---|
| Revenue | $283m | $246m |
| Revenue growth | 13.7% | 13.5% |
| Net income | $98.1m | $67.5m |
| Operating margin | — | — |
| Net margin | 34.7% | 27.4% |
| Return on equity | 12.2% | 7.6% |
| Free cash flow | $97.4m | $85.7m |
| Cash | $364m | $233m |
| Total debt | $373m | $20.0m |
| Debt to equity | — | — |
| Dividend per share | $2.00 | $0.96 |
| Dividend yield | 3.0% | 2.9% |
| Share buybacks | — | $5.5m |
| Employees | 930 | — |
| Market value | $1.26bn | $1.18bn |
| Price vs our value range | — | — |
| Moat score | 87 (Strong) | 70 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 12 sales |