CTBI Stock Analysis: Community Trust Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.256m USD | 12M Return: 34.4% | US2041491083 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.04M
EPS Trend: 98.0%
Qual. Beats: -1
Rev. Trend: 98.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Community Trust Bancorp, Inc. (NASDAQ: CTBI) is the bank holding company for Community Trust Bank, Inc., headquartered in Pikeville, Kentucky, and founded in 1903. As a bank holding company, CTBI operates as the parent entity that owns and controls the underlying community bank, a structure commonly used by U.S. regional banks to separate ownership and management of the banking subsidiary from other potential business activities.
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, and specialized lending such as asset-based financing and hotel/motel loans. Beyond traditional lending, CTBI offers trust and wealth management, cash management, safe deposit box rentals, funds transfer, letters of credit, securities brokerage, and insurance and annuity products-a mix typical of community and regional banks that supplement net interest income with fee-based revenue streams.
CTBIs geographic footprint is concentrated in small and mid-sized communities across eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. This community banking model emphasizes local relationship lending, where decisions are often made by bankers familiar with the regional economy, distinguishing regional banks like CTBI from larger money-center or nationwide institutions.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan exposure raises credit risk concerns
- Mortgage origination revenue declines on elevated housing rates
| Net Income: 110.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.18 > 1.0 |
| NWC/Revenue: -67.63% < 20% (prev -1.13k%; Δ 1.06k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 105.0m > Net Income 110.0m |
| Net Debt (387.9m) to EBITDA (148.9m): 2.61 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.1m) vs 12m ago 0.34% < -2% |
| Gross Margin: 67.84% > 18% (prev 65.14%; Δ 2.70% > 0.5%) |
| Asset Turnover: 6.30% > 50% (prev 6.05%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 1.15 > 6 (EBIT TTM 143.1m / Interest Expense TTM 124.6m) |
| A: -0.04 (Total Current Assets 59.2m - Total Current Liabilities 351.1m) / Total Assets 7.06b |
| B: 0.08 (Retained Earnings 545.4m / Total Assets 7.06b) |
| C: 0.02 (EBIT TTM 143.1m / Avg Total Assets 6.85b) |
| D: 0.14 (Book Value of Equity 877.3m / Total Liabilities 6.18b) |
| Altman-Z'' = 0.27 = B |
As of November 12, 2026, the stock is trading at USD 70.08 with a total of 68,419 shares traded. Over the past week, the price has changed by -0.89%, over one month by -6.10%, over three months by -9.50% and over the past year by +34.40%.
Current recommended Stop Loss: 66.50 (which is 5.1% or 1.8 ATR below the current price).
Community Trust Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CTBI.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 76.7 | 9.4% |
P/E Trailing = 11.3668
P/E Forward = 11.2233
P/S = 4.3317
P/B = 1.4328
P/EG = 1.0303
Revenue TTM = 431.7m USD
EBIT TTM = 143.1m USD
EBITDA TTM = 148.9m USD
Long Term Debt = 64.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 351.1m USD (from shortTermDebt, last quarter)
Debt = 447.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = 387.9m USD (calculated: Debt 447.1m - CCE 59.2m)
Enterprise Value = 1.64b USD (1.26b + Debt 447.1m - CCE 59.2m)
Interest Coverage Ratio = 1.15 (Ebit TTM 143.1m / Interest Expense TTM 124.6m)
EV/FCF = 16.88x (Enterprise Value 1.64b / FCF TTM 97.4m)
FCF Yield = 5.92% (FCF TTM 97.4m / Enterprise Value 1.64b)
FCF Margin = 22.56% (FCF TTM 97.4m / Revenue TTM 431.7m)
Net Margin = 25.48% (Net Income TTM 110.0m / Revenue TTM 431.7m)
Gross Margin = 67.84% ((Revenue TTM 431.7m - Cost of Revenue TTM 138.8m) / Revenue TTM)
Gross Margin QoQ = 62.12% (prev 69.57%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.64b / Total Assets 7.06b)
Interest Expense / Debt = 27.86% (Interest Expense 124.6m / Debt 447.1m)
Taxrate = 23.15% (33.1m / 143.1m)
NOPAT = 110.0m (EBIT 143.1m * (1 - 23.15%))
Current Ratio = 0.17 (Total Current Assets 59.2m / Total Current Liabilities 351.1m)
Debt / Equity = 0.51 (Debt 447.1m / totalStockholderEquity, last quarter 877.3m)
Debt / EBITDA = 2.61 (Net Debt 387.9m / EBITDA 148.9m)
Debt / FCF = 3.98 (Net Debt 387.9m / FCF TTM 97.4m)
Total Stockholder Equity = 874.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 110.0m / Total Assets 7.06b)
RoE = 12.58% (Net Income TTM 110.0m / Total Stockholder Equity 874.1m)
RoCE = 15.25% (EBIT 143.1m / Capital Employed (Equity 874.1m + L.T.Debt 64.1m))
RoIC = 1.56% (NOPAT 110.0m / Invested Capital 7.04b)
WACC = 10.70% (E(1.26b)/V(1.70b) * Re(6.89%) + D(447.1m)/V(1.70b) * Rd(27.86%) * (1-Tc(0.23)))
Discount Rate = 6.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 99.47 | Cagr: 0.38%
[DCF] Terminal Value 66.60% ; FCFF base≈100.0m ; Y1≈95.2m ; Y5≈90.7m
[DCF] Fair Price = 34.95 (EV 1.02b - Net Debt 387.9m = Equity 635.2m / Shares 18.2m; r=10.70% [WACC]; 5y FCF grow -6.17% → 2.50% )
EPS Correlation: 97.99 | EPS CAGR: 15.05% | SUE: -3.64 | # QB: -1
Revenue Correlation: 98.84 | Revenue CAGR: 10.12% | SUE: 0.76 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.57 | Chg30d=+1.08% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=6.16 | Chg30d=-3.40% | Revisions=-50% | GrowthEPS=+13.5% | GrowthRev=+9.8%
EPS next Year (2027-12-31): EPS=6.48 | Chg30d=-0.26% | Revisions=+0% | GrowthEPS=+5.2% | GrowthRev=+4.7%
[Analyst] Revisions Ratio: -18% (up=3, down=5)