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Community Trust Bancorp, Inc. CTBI R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.ctbi.com
Company Profile ↓
$77.76
+42.34% 1Y
Mkt Cap$1.41B
P/E13.03
P/B1.61
Div. Yield3.30%
52W High$79.46
52W Low$49.74
Book Value$49.10
EPS (TTM)$5.97

Company Overview

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 commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.0, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 37.6%.

Dividend Income

Offers a dividend yield of 3.30%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +11.2%, earnings +18.8%.
  • 5-Year Trend Long-term compounding — profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:11.20%

Compounded Profit Growth

5 Years:8.90%
1 Year:18.80%

Stock Price Performance

1 Year:+42.34%
6 Months:+32.37%
3 Months:+15.93%
1 Month:-0.78%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$49.74 $79.46
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.86 · Neutral
Price Performance
1M-0.78%
3M+15.93%
6M+32.37%
1Y+42.34%
Valuation vs Sector

P/E of 13.03 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 37.6%.
  • Attractive dividend yield of 3.30%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.03
Industry PE
14.52
Forward P/E
12.01
PEG Ratio
1.03
Book Value
$49.10
Price to Book
1.61
P/S
4.99
EV/EBITDA
-
Dividend Yield
3.30%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
8.90%
Revenue (YoY)
11.20%
Earnings (YoY)
18.80%

Profitability & Returns

ROCE
-
ROE
12.72%
ROA
1.61%
Profit Margin
37.62%
Op Margin
52.09%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.64
EPS (TTM)
$5.97

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$377.54M
Total Assets
$6.99B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.35%
Chg in Prom Hold
-0.02%
FII / Inst Holding
63.18%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$1.41B
Total Revenue (TTM)
$287.05M
EBITDA
-
Free Cash Flow
$97.39M
Operating Cash Flow
$136.05M
Shares Outstanding
18.17M
Gross Margin
0.00%
Payout Ratio
35.51%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CTBI Community Trust Bancorp, Inc. R2KR3KFINANCIAL 77.76 13.03 $1.41B 3.30% - 12.72% - 8.90%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 11.94M12.65M10.14M12.20M10.92M10.94M12.40M11.22M11.60M11.57M12.31M11.28M11.54M13.76M15.81M11.60M16.11M14.94M18.32M15.27M6.58M19.65M17.45M23.62M23.93M21.14M19.73M20.27M19.37M19.31M19.40M20.63M18.68M19.50M22.14M21.97M24.90M23.91M27.19M29.62M
Diluted EPS 0.690.730.580.700.630.630.710.640.660.660.700.640.650.780.890.660.910.841.030.860.371.110.981.331.341.191.111.141.081.081.081.151.041.091.231.221.381.321.501.64

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 25.06M33.03M38.83M44.86M45.17M43.25M46.43M47.35M51.49M59.23M64.54M59.50M87.94M81.81M78.00M82.81M98.06M
Diluted EPS 1.652.162.532.632.622.492.662.702.923.353.643.354.944.584.364.615.43

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.36B3.59B3.64B3.58B3.72B3.90B3.93B4.14B4.20B4.37B5.14B5.42B5.38B5.77B6.19B6.68B
Total Equity 308.21M321.46M338.64M366.87M400.34M412.49M447.88M475.58M500.62M530.70M564.15M614.89M654.87M698.20M628.05M702.21M757.58M856.07M
Cash & Equivalents 140.88M142.13M158.98M238.48M207.56M106.64M105.52M187.61M144.72M175.27M141.45M264.68M338.24M311.76M128.69M271.40M369.50M363.68M
Long Term Debt --61.34M61.34M----------57.84M64.24M64.02M63.78M
Total Liabilities --3.02B3.22B3.24B3.17B3.28B3.43B3.43B3.61B3.64B3.75B4.48B4.72B4.75B5.07B5.44B5.83B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 37.71M61.30M64.33M57.90M90.72M-54.98M61.42M62.35M65.49M83.46M62.38M115.69M99.68M85.85M105.33M104.99M
Investing Cash Flow -134.30M-111.80M-172.29M-70.96M-122.05M--108.35M-86.11M-186.59M-100.59M-34.49M-693.53M-358.62M-280.01M-226.60M-335.67M-463.22M
Financing Cash Flow 97.84M67.35M187.47M-17.85M-69.59M-135.46M-18.21M154.79M1.28M74.27M704.70M216.45M-2.75M283.46M328.45M352.41M
Capital Expenditure -2.27M-2.43M-3.12M-4.30M-2.10M-2.08M-2.25M-3.50M-2.40M-2.83M-2.57M-1.48M-2.37M-6.22M-6.32M-8.08M-7.60M
Free Cash Flow 35.44M58.88M61.21M53.59M88.61M-52.73M57.93M59.95M62.66M80.89M60.90M113.32M93.47M79.53M97.25M97.39M
Share Buybacks ----00189.00K382.00K0001.10M00---
Dividends Paid 18.12M18.33M18.74M19.21M24.55M20.57M21.33M22.19M22.98M24.39M26.23M27.14M27.92M29.94M32.19M33.41M35.98M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 7.8%9.8%10.6%11.2%11.0%9.7%9.8%9.5%9.7%10.5%10.5%9.1%12.6%13.0%11.1%10.9%11.5%
ROCE % -----------------

Shareholding Pattern

Insiders
1.35%
Institutions
63.18%
Public Float
64.04%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.82% 1.78M $136.70M
2 Dimensional Fund Advisors LP 6.54% 1.19M $91.03M
3 Community Trust & Investment Company 5.53% 1.00M $77.00M
4 Vanguard Capital Management LLC 3.77% 684.03K $52.44M
5 State Street Corporation 3.16% 573.55K $43.97M
6 American Century Companies Inc 3.16% 574.53K $44.04M
7 Geode Capital Management, LLC 2.51% 456.70K $35.01M
8 Lone Peak Global Investors, LLC 1.65% 300.50K $23.04M
9 Northern Trust Corporation 1.62% 295.11K $22.62M
10 LSV Asset Management 1.47% 266.18K $20.41M

Analyst View

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Latest News

Recent headlines for CTBI

Google News Wed, 02 Sep 2026

Community Trust Bancorp, Inc. $CTBI Shares Purchased by Lone Peak Global Investors LLC - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxONm1IeFFoYkZobzl6TGF3dG9MLW56T1d4UWl5WWNXNkJRUGFTVUdyS1k4NUduaWJ5R2l2ZkI0X0pIdDM3Q1BkMXduekdBTkFSbDF6d2ZNaVVTdS1BSDJMNHlaM2hZR0tFQ1hmRnNCaU81ZXdUVk1rRm15aXF0SFQtbnEtZ3B2bGFBZjJ0aV…

Google News Wed, 26 Aug 2026

Community Trust Bancorp (CTBI) Could Be a Great Choice - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxOazhmSFdBaGNVS2ViZ2tfNG4tZ0ZObTdsbmlWeFROdmo5NU5pb3JkcXI2bFlHVHdYc09adkQtOEpaVlZpYVZHdHJJMkkxM19NSDBrZTlSWEJzblNEZzR4dzBoOHUtMXNmUFpqc2xOc0pqOU9fbnJsY0M0aC1kSm5XYWplSEFyenU4YjVCZk…

Google News Mon, 17 Aug 2026

Community Trust (NASDAQ: CTBI) director sells 3,900 shares without 10b5-1 plan - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxNakFnd1VPaHRDWWdod0Ixc0dJUkdKUVlKUmFqdlZPaW5ybEtXMEpHcWxPYmFfeXJqZXZqZEJDZnlYWm1GV1daTHlxZTdKYlpaLW9vRDRiQkdmYW4xd0laVGZuQmF1UEVTcDdmbGwxYkVTYXl3M2piNEY3bVF3VDczcldYTEFZWi1YWG5iUX…

Google News hu, 03 Sep 2026

CTBI stock gains on Raymond James Outperform rating and $82 target - ad-hoc-news.de

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZnpfQ0lSVlY1MDFodC1UTzdMTDFLRm16aDFXLVp0RW0yLU1mdG1XSzFuTDlPdDRBVFdfYU14RXNuU1R5SzdGVXhUaV9QSnlpWFlNYzVBdmVkNUwwcU93dTVrOVc4aGRNRE1hLU9nTWphNV9DN0t6Rk5YbFlDR21vUERyeU1OMEpLU0VEdk…

Google News Fri, 17 Jul 2026

Community Trust Bancorp (CTBI) Stock Faces Rising Non Performing Loans Despite Solid Q2 Margin - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxQdTZnN29qNzVKM2ZOS0hBcnpwY0E0ZVZORmsyY3RHS0VlcFhhRm9zMnJ0bDVmVmM4aFV1a2hpT0JDaHZhSnhzVURvRWgySENvYVUtVzhkTkdSbi1DRnZrbk9hSDJTTmFMX1FTM1kyTTNoQ3k2dTg0QTZaVEs0dWo0amZnSzZmdDBjcHNtMH…

Google News Fri, 24 Jul 2026

Why Community Trust Bancorp (CTBI) is a Great Dividend Stock Right Now - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxNUkJmY0Nuc0xqTThMQ3RTRkdSUHBwV3ZfQUVTWlQxcWVGWkphcUxMRW5vOHhuNm9hNFhKdzlCZG1tT1AtSFhfTVVwNXp3djhXMUlmWUljOC02ZnhCWjhqb1lVU3hNVnZGOUlSOEJBWEtudXN0cWtqMGhQUFZidXBfVVh0dTNheHYzb0lsQX…

CTBI — Frequently Asked Questions

What is the current share price of Community Trust Bancorp, Inc. (CTBI)?

As of 2026-09-07 16:24 PDT, Community Trust Bancorp, Inc. (CTBI) trades at $77.76 on NasdaqGS. Its 52-week range is $49.74 to $79.46.

What is the market capitalisation of CTBI?

Community Trust Bancorp, Inc. (CTBI) has a market capitalisation of $1.41B on NasdaqGS.

What is the P/E ratio of CTBI?

CTBI trades at a trailing price-to-earnings (P/E) ratio of 13.03. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.61.

Does CTBI pay a dividend?

Community Trust Bancorp, Inc. (CTBI) currently offers a dividend yield of 3.30%.

What is the return on equity (ROE) of CTBI?

CTBI has a return on equity (ROE) of 12.72%.

Is CTBI a good stock to buy?

This page provides a data-driven analysis of Community Trust Bancorp, Inc. (CTBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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