(CTBI) Community Trust Bancorp - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.163m USD | Total Return: 28.7% in 12m

Banking, Loans, Deposits, Wealth Management, Insurance
Total Rating 53
Safety 62
Buy Signal 0.74
Banks - Regional
Industry Rotation: -4.1
Market Cap: 1.16B
Avg Turnover: 5.15M
Risk 3d forecast
Volatility28.9%
VaR 5th Pctl4.54%
VaR vs Median-4.68%
Reward TTM
Sharpe Ratio0.94
Rel. Str. IBD67.6
Rel. Str. Peer Group80.4
Character TTM
Beta0.733
Beta Downside0.843
Hurst Exponent0.475
Drawdowns 3y
Max DD23.74%
CAGR/Max DD1.18
CAGR/Mean DD4.04
EPS (Earnings per Share) EPS (Earnings per Share) of CTBI over the last years for every Quarter: "2021-03": 1.33, "2021-06": 1.34, "2021-09": 1.19, "2021-12": 1.08, "2022-03": 1.11, "2022-06": 1.14, "2022-09": 1.08, "2022-12": 1.26, "2023-03": 1.08, "2023-06": 1.08, "2023-09": 1.15, "2023-12": 1.04, "2024-03": 1.04, "2024-06": 1.09, "2024-09": 1.23, "2024-12": 1.25, "2025-03": 1.22, "2025-06": 1.38, "2025-09": 1.32, "2025-12": 1.51, "2026-03": 1.5,
EPS CAGR: 7.59%
EPS Trend: 62.8%
Last SUE: 2.09
Qual. Beats: 2
Revenue Revenue of CTBI over the last years for every Quarter: 2021-03: 59.788, 2021-06: 59.396, 2021-09: 60.114, 2021-12: 59.334, 2022-03: 58.492, 2022-06: 59.853, 2022-09: 66.084, 2022-12: 71.229, 2023-03: 74.677, 2023-06: 79.583, 2023-09: 84.995, 2023-12: 87.054, 2024-03: 90.136, 2024-06: 92.356, 2024-09: 95.377, 2024-12: 98.139, 2025-03: 96.951, 2025-06: 101.742, 2025-09: 104.508, 2025-12: 106.135, 2026-03: 103.169,
Rev. CAGR: 15.63%
Rev. Trend: 95.1%
Last SUE: 0.69
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

Confidence

Description: CTBI Community Trust Bancorp

Community Trust Bancorp, Inc. (CTBI) operates as a bank holding company, offering diverse financial services. These include commercial and personal banking, as well as trust and wealth management. The companys business model relies on deposit-taking and loan origination, common to regional banks.

CTBIs deposit products range from checking and savings accounts to IRAs and money market accounts. Their loan portfolio is extensive, covering commercial, construction, mortgage, and personal loans, alongside specialized financing and real estate loans. This broad offering is typical for a regional bank serving varied client needs.

Beyond traditional banking, CTBI provides cash management, safe deposit boxes, and funds transfer services. They also act as trustees for trusts and estates, and offer securities brokerage, debit cards, annuities, and life insurance. These non-interest income services are increasingly important for bank profitability.

The company primarily serves small and mid-sized communities across Kentucky, West Virginia, and Tennessee. To understand CTBIs performance within this regional market, further research on ValueRay is recommended.

Headlines to Watch Out For
  • Net interest margin compression impacts loan profitability
  • Loan growth in commercial and real estate sectors boosts revenue
  • Regulatory changes in banking sector increase compliance costs
  • Regional economic health dictates deposit and loan demand
Piotroski VR‑10 (Strict) 3.0
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: -43.81% < 20% (prev -1.15k%; Δ 1.11k% < -1%)
CFO/TA 0.02 > 3% & CFO 107.9m > Net Income 103.3m
Net Debt (287.7m) to EBITDA (138.4m): 2.08 < 3
Current Ratio: 0.39 > 1.5 & < 3
Outstanding Shares: last quarter (18.1m) vs 12m ago 0.32% < -2%
Gross Margin: 67.95% > 18% (prev 0.64%; Δ 6.73k% > 0.5%)
Asset Turnover: 6.38% > 50% (prev 6.10%; Δ 0.29% > 0%)
Interest Coverage Ratio: 0.79 > 6 (EBITDA TTM 138.4m / Interest Expense TTM 124.9m)
Altman Z'' 0.33
A: -0.03 (Total Current Assets 117.2m - Total Current Liabilities 299.2m) / Total Assets 6.74b
B: 0.09 (Retained Earnings 611.5m / Total Assets 6.74b)
C: 0.02 (EBIT TTM 98.7m / Avg Total Assets 6.51b)
D: 0.11 (Book Value of Equity 634.2m / Total Liabilities 5.87b)
Altman-Z'' Score: 0.33 = B
Beneish M -2.94
DSRI: 0.98 (Receivables 25.6m/24.0m, Revenue 415.6m/382.8m)
GMI: 0.94 (GM 67.95% / 63.77%)
AQI: 1.16 (AQ_t 0.97 / 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-Score: -2.94 (Cap -4..+1) = A
What is the price of CTBI shares? As of May 19, 2026, the stock is trading at USD 65.37 with a total of 59,570 shares traded.
Over the past week, the price has changed by +0.40%, over one month by -0.89%, over three months by +4.34% and over the past year by +28.67%.
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?
Analysts Target Price 72.5 10.9%
Community Trust Bancorp (CTBI) - Fundamental Data Overview as of 17 May 2026
P/E Trailing = 11.2119
P/E Forward = 11.2233
P/S = 4.1612
P/B = 1.3818
P/EG = 1.0303
Revenue TTM = 415.6m USD
EBIT TTM = 98.7m USD
EBITDA TTM = 138.4m USD
Long Term Debt = 64.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 299.2m USD (from shortTermDebt, last quarter)
Debt = 379.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 287.7m USD (from netDebt column, last quarter)
Enterprise Value = 1.45b USD (1.16b + Debt 379.2m - CCE 91.6m)
Interest Coverage Ratio = 0.79 (Ebit TTM 98.7m / Interest Expense TTM 124.9m)
EV/FCF = 15.07x (Enterprise Value 1.45b / FCF TTM 96.3m)
FCF Yield = 6.64% (FCF TTM 96.3m / Enterprise Value 1.45b)
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 = 0.22 (Enterprise Value 1.45b / Total Assets 6.74b)
Interest Expense / Debt = 7.64% (Interest Expense 29.0m / Debt 379.2m)
Taxrate = 23.07% (8.16m / 35.3m)
NOPAT = 75.9m (EBIT 98.7m * (1 - 23.07%))
Current Ratio = 0.39 (Total Current Assets 117.2m / Total Current Liabilities 299.2m)
Debt / Equity = 0.44 (Debt 379.2m / totalStockholderEquity, last quarter 871.2m)
Debt / EBITDA = 2.08 (Net Debt 287.7m / EBITDA 138.4m)
Debt / FCF = 2.99 (Net Debt 287.7m / 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 = 10.90% (EBIT 98.7m / Capital Employed (Equity 841.4m + L.T.Debt 64.1m))
RoIC = 8.48% (NOPAT 75.9m / Invested Capital 895.6m)
WACC = 7.90% (E(1.16b)/V(1.54b) * Re(8.56%) + D(379.2m)/V(1.54b) * Rd(7.64%) * (1-Tc(0.23)))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 78.66% ; FCFF base≈100.8m ; Y1≈99.6m ; Y5≈103.0m
[DCF] Fair Price = 87.75 (EV 1.88b - Net Debt 287.7m = Equity 1.59b / Shares 18.2m; r=7.90% [WACC]; 5y FCF grow -2.08% → 3.0% )
EPS Correlation: 62.75 | EPS CAGR: 7.59% | SUE: 2.09 | # QB: 2
Revenue Correlation: 95.05 | Revenue CAGR: 15.63% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.51 | Chg30d=+5.94% | Revisions=+33% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.54 | Chg30d=+3.36% | Revisions=+33% | Analysts=2
EPS current Year (2026-12-31): EPS=6.08 | Chg30d=+5.10% | Revisions=+33% | GrowthEPS=+12.0% | GrowthRev=+8.9%
EPS next Year (2027-12-31): EPS=6.24 | Chg30d=+3.65% | Revisions=+33% | GrowthEPS=+2.6% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +33%