Community Trust Bancorp, Inc. (CTBI)

NMS – Real Time Price. Currency in USD

78.05

-0.04 (-0.05%)

Market open: Aug 12, 2026, 11:01 AM EDT

78.09

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 77.49$
Day's range: 76.92 - 77.77$
52-week range: 50.25 - 79.92$
Volume: 18 892
Average volume: 99 928
Beta: 0.06
EPS (TTM): 5.99
PE ratio (TTM): 12.97
Forward P/E: 12.13
Market cap: 1 407 506 785
Shares outstanding: 18 163 722
Dividend yield: $2.73 (2.73%)
Next earnings date: 2026-10-21
Sector: Financials
Industry: Banks - Regional

About the company

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes comme... read more

CEO: Mark Gooch
Country: United States
IPO Date
Employees: 930
Fiscal Year End: January - December
Website: https://www.ctbi.com

Revenue Breakdown

Community Banking Services / 101.84%

Holding Company / 36.15%

Eliminations / -37.99%

News

No Data

There are no news for this stock.

Chart: CTBI

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Overall Score

5.1 / 1051%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $377.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.4) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.04	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.42	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	255M	325M	374M	408M	421M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	101M	99M	107M	127M	140M
Net Income	82M	78M	83M	98M	108M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	48.86	0.44	10
Net margin %	37.74	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.55	1.46	3.0
ROE	12.27	14.94	7.0
ROIC	11.18	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	11.68	25.25	8.5
Next quarter	7	6.84	5.0
Current year	10.83	17.62	8.0
Next year	4.13	1.36	3.5
Weighted average score			6.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	5.93	8.94	9.33	192.59	6.8
Y/Y	7.32	18.97	18.84	9.91	7.3
3y average	17.19	6.64	6.24	2.52	5.8
5y average	12.68	12.15	11.78	15.23	7.8
Weighted average score					6.9

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.03	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.70	3.37	3.6
P/B	1.58	1.53	5.6
Weighted average score			4.0

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR5.67%

FCF 5 year CAGR4

Fair value95.09$

Stock price77.02$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.64	3.64	8.0
Payout ratio	38.38	38.38	6.0
5-year dividend growth rate	5.50	5.50	7.0
Years of dividend increase	45.00	45.00	10
Weighted average score			7.8

Fair Value

$95.09

UndervaluedStock priceOvervalued

$77.02

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Mark Gooch

Country

United States

IPO Date

Employees

930

Fiscal Year End

January - December

Website

https://www.ctbi.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.04

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.42

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

255M

325M

374M

408M

421M

Gross Profit

N/A

Operating Income

101M

99M

107M

127M

140M

Net Income

82M

78M

83M

98M

108M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

48.86

0.44

Net margin %

37.74

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.55

1.46

3.0

ROE

12.27

14.94

7.0

ROIC

11.18

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

11.68

25.25

8.5

Next quarter

6.84

5.0

Current year

10.83

17.62

8.0

Next year

4.13

1.36

3.5

Weighted average score

6.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

5.93

8.94

9.33

192.59

6.8

Y/Y

7.32

18.97

18.84

9.91

7.3

3y average

17.19

6.64

6.24

2.52

5.8

5y average

12.68

12.15

11.78

15.23

7.8

Weighted average score

6.9

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.03

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.70

3.37

3.6

P/B

1.58

1.53

5.6

Weighted average score

4.0

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.64

8.0

Payout ratio

38.38

6.0

5-year dividend growth rate

5.50

7.0

Years of dividend increase

45.00

Weighted average score

7.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Community Trust Bancorp, Inc. (CTBI)

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Community Trust Bancorp, Inc. (CTBI)

Stock details

About the company

Revenue Breakdown

News

Chart: CTBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$95.09

$77.02

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CTBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$95.09

$77.02

Economic Moat