CTBI Stock Analysis: Community Trust Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.323m USD | 12M Return: 35.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.93M
EPS Trend: 86.3%
Qual. Beats: 2
Rev. Trend: 97.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Community Trust Bancorp, Inc. (CTBI) is a bank holding company headquartered in Pikeville, Kentucky, that operates through its subsidiary, Community Trust Bank, Inc. Founded in 1903, the company provides a full suite of commercial and personal banking services, including deposit products (checking, savings, money market, IRAs, and CDs) and a diversified loan portfolio spanning commercial, construction, mortgage, consumer, real estate, hotel/motel, and asset-based financing. Beyond traditional banking, CTBI offers trust and wealth management services, cash management, safe deposit boxes, letters of credit, securities brokerage, and annuity and life insurance products, serving as trustee, executor, and paying agent for various fiduciary and corporate roles.
The company primarily serves small and mid-sized communities across eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee, reflecting the typical geographic focus of community-oriented regional banks. Its diversified fee-generating businesses-including trust services, brokerage, and insurance-provide a secondary revenue stream beyond net interest income, which is a common strategic approach among U.S. regional banks seeking to reduce reliance on lending spreads. As a GICS-classified Regional Bank within the Financials sector, CTBI operates under a traditional bank holding company structure regulated by U.S. federal banking authorities.
- Net interest margin expansion as Fed rate cycle peaks
- Loan growth across commercial and real estate portfolios
- Credit quality deteriorates in Appalachian energy-exposed markets
| Net Income: 103.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: -1.24k% < 20% (prev -1.15k%; Δ -83.43% < -1%) |
| CFO/TA 0.02 > 3% & CFO 107.9m > Net Income 103.3m |
| Net Debt (-141.2m) to EBITDA (139.9m): -1.01 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.1m) vs 12m ago 0.32% < -2% |
| Gross Margin: 67.95% > 18% (prev 63.77%; Δ 4.17% > 0.5%) |
| Asset Turnover: 6.38% > 50% (prev 6.10%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 1.07 > 6 (EBIT TTM 134.1m / Interest Expense TTM 124.9m) |
| A: -0.76 (Total Current Assets 562.0m - Total Current Liabilities 5.70b) / Total Assets 6.74b |
| B: 0.09 (Retained Earnings 611.5m / Total Assets 6.74b) |
| C: 0.02 (EBIT TTM 134.1m / Avg Total Assets 6.51b) |
| D: 0.15 (Book Value of Equity 871.2m / Total Liabilities 5.87b) |
| Altman-Z'' = -4.41 = D |
| DSRI: 0.98 (Receivables 25.6m/24.0m, Revenue 415.6m/382.8m) |
| GMI: 0.94 (GM 63.77% / 67.95%) |
| AQI: 1.08 (AQ_t 0.91 / AQ_t-1 0.84) |
| SGI: 1.09 (Revenue 415.6m / 382.8m) |
| TATA: -0.00 (NI 103.3m - CFO 107.9m) / TA 6.74b) |
| Beneish M = -2.99 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 72.14 with a total of 128,447 shares traded. Over the past week, the price has changed by -0.14%, over one month by +6.40%, over three months by +15.92% and over the past year by +35.11%.
Current recommended Stop Loss: 70.10 (which is 2.8% or 1.3 ATR below the current price).
Community Trust Bancorp has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy CTBI.
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 73.7 | 2.1% |
P/E Trailing = 12.7531
P/E Forward = 11.2233
P/S = 4.7332
P/B = 1.5167
P/EG = 1.0303
Revenue TTM = 415.6m USD
EBIT TTM = 134.1m USD
EBITDA TTM = 139.9m USD
Long Term Debt = 64.0m USD (from longTermDebt, last quarter)
Short Term Debt = 299.2m USD (from shortTermDebt, last quarter)
Debt = 395.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = -141.2m USD (calculated: Debt 395.2m - CCE 536.4m)
Enterprise Value = 1.18b USD (1.32b + Debt 395.2m - CCE 536.4m)
Interest Coverage Ratio = 1.07 (Ebit TTM 134.1m / Interest Expense TTM 124.9m)
EV/FCF = 12.27x (Enterprise Value 1.18b / FCF TTM 96.3m)
FCF Yield = 8.15% (FCF TTM 96.3m / Enterprise Value 1.18b)
FCF Margin = 23.17% (FCF TTM 96.3m / Revenue TTM 415.6m)
Net Margin = 24.85% (Net Income TTM 103.3m / Revenue TTM 415.6m)
Gross Margin = 67.95% ((Revenue TTM 415.6m - Cost of Revenue TTM 133.2m) / Revenue TTM)
Gross Margin QoQ = 69.68% (prev 70.40%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.18b / Total Assets 6.74b)
Interest Expense / Debt = 31.61% (Interest Expense 124.9m / Debt 395.2m)
Taxrate = 22.96% (30.8m / 134.1m)
NOPAT = 103.3m (EBIT 134.1m * (1 - 22.96%))
Current Ratio = 0.10 (Total Current Assets 562.0m / Total Current Liabilities 5.70b)
Debt / Equity = 0.45 (Debt 395.2m / totalStockholderEquity, last quarter 871.2m)
Debt / EBITDA = -1.01 (Net Debt -141.2m / EBITDA 139.9m)
Debt / FCF = -1.47 (Net Debt -141.2m / FCF TTM 96.3m)
Total Stockholder Equity = 841.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 103.3m / Total Assets 6.74b)
RoE = 12.27% (Net Income TTM 103.3m / Total Stockholder Equity 841.4m)
RoCE = 14.81% (EBIT 134.1m / Capital Employed (Equity 841.4m + L.T.Debt 64.0m))
RoIC = 1.54% (NOPAT 103.3m / Invested Capital 6.72b)
WACC = 11.79% (E(1.32b)/V(1.72b) * Re(8.03%) + D(395.2m)/V(1.72b) * Rd(31.61%) * (1-Tc(0.23)))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 100.00 | Cagr: 0.38%
[DCF] Terminal Value 62.40% ; FCFF base≈100.8m ; Y1≈92.2m ; Y5≈81.1m
[DCF] Fair Price = 53.04 (EV 822.3m - Net Debt -141.2m = Equity 963.5m / Shares 18.2m; r=11.79% [WACC]; 5y FCF grow -10.56% → 2.50% )
EPS Correlation: 86.33 | EPS CAGR: 9.61% | SUE: 2.09 | # QB: 2
Revenue Correlation: 97.89 | Revenue CAGR: 13.07% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.52 | Chg30d=+0.55% | Revisions=+40% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.56 | Chg30d=+1.30% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=6.14 | Chg30d=+0.93% | Revisions=+40% | GrowthEPS=+13.0% | GrowthRev=+9.1%
EPS next Year (2027-12-31): EPS=6.28 | Chg30d=+0.59% | Revisions=+40% | GrowthEPS=+2.3% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +73% (up=8, down=0)