(CTBI) Community Trust Bancorp - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US2041491083
Stock: Deposits, Loans, Trust, Insurance, Brokerage
Total Rating 45
Risk 34
Buy Signal 1.17
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.67% |
| Yield on Cost 5y | 7.70% |
| Yield CAGR 5y | 6.24% |
| Payout Consistency | 99.2% |
| Payout Ratio | 36.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.5% |
| Relative Tail Risk | -11.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.66 |
| Alpha | 9.77 |
| Character TTM | |
|---|---|
| Beta | 0.638 |
| Beta Downside | 0.710 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.79% |
| CAGR/Max DD | 0.82 |
Description: CTBI Community Trust Bancorp January 20, 2026
Community Trust Bancorp, Inc. (NASDAQ:CTBI) is the holding company for Community Trust Bank, offering a full suite of commercial and personal banking services-including deposits, loans, cash-management, trust, and wealth-management-in small- and mid-size markets across eastern Kentucky, southern West Virginia, and northeastern Tennessee.
According to the company’s most recent Q2 2024 filing, CTBI reported a loan portfolio of roughly $1.9 billion, a net interest margin of 3.6 %, and a CET1 capital ratio of 11.2 %, while its efficiency ratio improved to 58 % year-over-year, reflecting tighter cost control.
Key drivers for CTBI’s performance include the Federal Reserve’s interest-rate stance (higher rates typically boost net interest income for regional banks), regional economic activity in the Appalachian market (particularly construction and small-business loan demand), and the competitive pressure from fintech platforms that are accelerating digital-banking adoption in the bank’s core communities.
For a deeper dive into CTBI’s valuation metrics and scenario analysis, you may find ValueRay’s research worth reviewing.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 98.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.00 > 1.0 |
| NWC/Revenue: -121.4% < 20% (prev -1029 %; Δ 907.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 112.5m > Net Income 98.1m |
| Net Debt (326.9m) to EBITDA (131.3m): 2.49 < 3 |
| Current Ratio: 0.91 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.1m) vs 12m ago 0.31% < -2% |
| Gross Margin: 66.71% > 18% (prev 0.63%; Δ 6608 % > 0.5%) |
| Asset Turnover: 6.36% > 50% (prev 6.07%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 131.3m / Interest Expense TTM 126.7m) |
Altman Z'' -0.03
| A: -0.07 (Total Current Assets 5.20b - Total Current Liabilities 5.70b) / Total Assets 6.68b |
| B: 0.08 (Retained Earnings 545.4m / Total Assets 6.68b) |
| C: 0.01 (EBIT TTM 91.7m / Avg Total Assets 6.44b) |
| D: 0.09 (Book Value of Equity 537.5m / Total Liabilities 5.83b) |
| Altman-Z'' Score: -0.03 = B |
Beneish M 1.00
| DSRI: 179.4 (Receivables 4.83b/24.8m, Revenue 409.3m/376.0m) |
| GMI: 0.95 (GM 66.71% / 63.19%) |
| AQI: 0.28 (AQ_t 0.21 / AQ_t-1 0.76) |
| SGI: 1.09 (Revenue 409.3m / 376.0m) |
| TATA: -0.00 (NI 98.1m - CFO 112.5m) / TA 6.68b) |
| Beneish M-Score: 143.4 (Cap -4..+1) = D |
What is the price of CTBI shares?
As of February 09, 2026, the stock is trading at USD 65.49 with a total of 112,739 shares traded.
Over the past week, the price has changed by +4.23%, over one month by +11.43%, over three months by +23.06% and over the past year by +22.22%.
Over the past week, the price has changed by +4.23%, over one month by +11.43%, over three months by +23.06% and over the past year by +22.22%.
Is CTBI a buy, sell or hold?
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
What are the forecasts/targets for the CTBI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 69 | 5.4% |
| Analysts Target Price | 69 | 5.4% |
| ValueRay Target Price | 77.9 | 19% |
CTBI Fundamental Data Overview February 09, 2026
P/E Trailing = 12.0608
P/E Forward = 11.2233
P/S = 4.3915
P/B = 1.3859
P/EG = 3.55
Revenue TTM = 409.3m USD
EBIT TTM = 91.7m USD
EBITDA TTM = 131.3m USD
Long Term Debt = 64.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 308.8m USD (from shortTermDebt, last quarter)
Debt = 389.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 326.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.21b USD (1.19b + Debt 389.8m - CCE 365.8m)
Interest Coverage Ratio = 0.72 (Ebit TTM 91.7m / Interest Expense TTM 126.7m)
EV/FCF = 11.66x (Enterprise Value 1.21b / FCF TTM 103.8m)
FCF Yield = 8.58% (FCF TTM 103.8m / Enterprise Value 1.21b)
FCF Margin = 25.36% (FCF TTM 103.8m / Revenue TTM 409.3m)
Net Margin = 23.96% (Net Income TTM 98.1m / Revenue TTM 409.3m)
Gross Margin = 66.71% ((Revenue TTM 409.3m - Cost of Revenue TTM 136.3m) / Revenue TTM)
Gross Margin QoQ = 70.40% (prev 64.72%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.21b / Total Assets 6.68b)
Interest Expense / Debt = 8.06% (Interest Expense 31.4m / Debt 389.8m)
Taxrate = 22.86% (8.08m / 35.4m)
NOPAT = 70.8m (EBIT 91.7m * (1 - 22.86%))
Current Ratio = 0.91 (Total Current Assets 5.20b / Total Current Liabilities 5.70b)
Debt / Equity = 0.46 (Debt 389.8m / totalStockholderEquity, last quarter 856.1m)
Debt / EBITDA = 2.49 (Net Debt 326.9m / EBITDA 131.3m)
Debt / FCF = 3.15 (Net Debt 326.9m / FCF TTM 103.8m)
Total Stockholder Equity = 819.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 98.1m / Total Assets 6.68b)
RoE = 11.96% (Net Income TTM 98.1m / Total Stockholder Equity 819.6m)
RoCE = 10.38% (EBIT 91.7m / Capital Employed (Equity 819.6m + L.T.Debt 64.1m))
RoIC = 8.12% (NOPAT 70.8m / Invested Capital 871.7m)
WACC = 7.76% (E(1.19b)/V(1.58b) * Re(8.27%) + D(389.8m)/V(1.58b) * Rd(8.06%) * (1-Tc(0.23)))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.38%
[DCF Debug] Terminal Value 78.73% ; FCFF base≈100.8m ; Y1≈99.1m ; Y5≈101.3m
Fair Price DCF = 85.36 (EV 1.87b - Net Debt 326.9m = Equity 1.55b / Shares 18.1m; r=7.76% [WACC]; 5y FCF grow -2.65% → 2.90% )
EPS Correlation: 54.57 | EPS CAGR: 8.55% | SUE: 1.33 | # QB: 1
Revenue Correlation: 96.46 | Revenue CAGR: 17.22% | SUE: 3.39 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.40 | Chg30d=+0.063 | Revisions Net=+2 | Analysts=1
EPS current Year (2026-12-31): EPS=5.87 | Chg30d=+0.253 | Revisions Net=+2 | Growth EPS=+8.1% | Growth Revenue=+6.4%
EPS next Year (2027-12-31): EPS=6.04 | Chg30d=+0.065 | Revisions Net=-1 | Growth EPS=+2.9% | Growth Revenue=+4.3%
P/E Forward = 11.2233
P/S = 4.3915
P/B = 1.3859
P/EG = 3.55
Revenue TTM = 409.3m USD
EBIT TTM = 91.7m USD
EBITDA TTM = 131.3m USD
Long Term Debt = 64.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 308.8m USD (from shortTermDebt, last quarter)
Debt = 389.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 326.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.21b USD (1.19b + Debt 389.8m - CCE 365.8m)
Interest Coverage Ratio = 0.72 (Ebit TTM 91.7m / Interest Expense TTM 126.7m)
EV/FCF = 11.66x (Enterprise Value 1.21b / FCF TTM 103.8m)
FCF Yield = 8.58% (FCF TTM 103.8m / Enterprise Value 1.21b)
FCF Margin = 25.36% (FCF TTM 103.8m / Revenue TTM 409.3m)
Net Margin = 23.96% (Net Income TTM 98.1m / Revenue TTM 409.3m)
Gross Margin = 66.71% ((Revenue TTM 409.3m - Cost of Revenue TTM 136.3m) / Revenue TTM)
Gross Margin QoQ = 70.40% (prev 64.72%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.21b / Total Assets 6.68b)
Interest Expense / Debt = 8.06% (Interest Expense 31.4m / Debt 389.8m)
Taxrate = 22.86% (8.08m / 35.4m)
NOPAT = 70.8m (EBIT 91.7m * (1 - 22.86%))
Current Ratio = 0.91 (Total Current Assets 5.20b / Total Current Liabilities 5.70b)
Debt / Equity = 0.46 (Debt 389.8m / totalStockholderEquity, last quarter 856.1m)
Debt / EBITDA = 2.49 (Net Debt 326.9m / EBITDA 131.3m)
Debt / FCF = 3.15 (Net Debt 326.9m / FCF TTM 103.8m)
Total Stockholder Equity = 819.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 98.1m / Total Assets 6.68b)
RoE = 11.96% (Net Income TTM 98.1m / Total Stockholder Equity 819.6m)
RoCE = 10.38% (EBIT 91.7m / Capital Employed (Equity 819.6m + L.T.Debt 64.1m))
RoIC = 8.12% (NOPAT 70.8m / Invested Capital 871.7m)
WACC = 7.76% (E(1.19b)/V(1.58b) * Re(8.27%) + D(389.8m)/V(1.58b) * Rd(8.06%) * (1-Tc(0.23)))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.38%
[DCF Debug] Terminal Value 78.73% ; FCFF base≈100.8m ; Y1≈99.1m ; Y5≈101.3m
Fair Price DCF = 85.36 (EV 1.87b - Net Debt 326.9m = Equity 1.55b / Shares 18.1m; r=7.76% [WACC]; 5y FCF grow -2.65% → 2.90% )
EPS Correlation: 54.57 | EPS CAGR: 8.55% | SUE: 1.33 | # QB: 1
Revenue Correlation: 96.46 | Revenue CAGR: 17.22% | SUE: 3.39 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.40 | Chg30d=+0.063 | Revisions Net=+2 | Analysts=1
EPS current Year (2026-12-31): EPS=5.87 | Chg30d=+0.253 | Revisions Net=+2 | Growth EPS=+8.1% | Growth Revenue=+6.4%
EPS next Year (2027-12-31): EPS=6.04 | Chg30d=+0.065 | Revisions Net=-1 | Growth EPS=+2.9% | Growth Revenue=+4.3%