Community Trust Bancorp, Inc. CTBI R2K

Financial Services · Banks - Regional · United States

https://www.ctbi.com

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.

Market & Price

Market Cap

$1.21B

Current Price

$66.86

High / Low (52W)

$67.44 / $48.45

Beta

0.57

Valuation

Stock P/E

11.71

Industry PE

12.01

Forward P/E

10.71

PEG Ratio

1.03

Book Value

$47.99

Price to Book

1.39

P/S

4.35

EV/EBITDA

Dividend Yield

3.17%

Profitability & Returns

ROCE

ROE

12.48%

ROA

1.59%

Profit Margin

36.96%

Op Margin

50.80%

EPS (Latest Qtr)

$1.50

EPS (TTM)

$5.71

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$379.23M

Total Assets

$6.68B

Current Assets

Working Capital

Ownership

Promoter Holding

1.43%

Chg in Prom Hold

FII / Inst Holding

67.86%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.41B

Total Revenue (TTM)

$279.45M

EBITDA

Free Cash Flow

Operating Cash Flow

$107.89M

Shares Outstanding

18.16M

Gross Margin

0.00%

Payout Ratio

36.08%

Growth (CAGR)

Revenue 5Y

7.57%

Profit 5Y

6.22%

Revenue (YoY)

14.80%

Earnings (YoY)

23.00%

PROS

Excellent profit margin of 37.0%.
Attractive dividend yield of 3.17%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CTBI Community Trust Bancorp, Inc. R2K	66.86	11.71	$1.21B	3.17%	-	12.48%	7.57%	6.22%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	66.16M	70.21M	71.50M	74.72M	74.20M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.79M	31.53M	33.01M	31.41M	28.97M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.39M	32.45M	30.89M	35.36M	35.35M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.42M	7.55M	6.98M	8.08M	8.16M
Net Income	11.94M	12.65M	10.14M	12.20M	10.92M	10.94M	12.40M	11.22M	11.60M	11.57M	12.31M	11.28M	11.54M	13.76M	15.81M	11.60M	16.11M	14.94M	18.32M	15.27M	6.58M	19.65M	17.45M	23.62M	23.93M	21.14M	19.73M	20.27M	19.37M	19.31M	19.40M	20.63M	18.68M	19.50M	22.14M	21.97M	24.90M	23.91M	27.28M	27.19M
Diluted EPS	0.69	0.73	0.58	0.70	0.63	0.63	0.71	0.64	0.66	0.66	0.70	0.64	0.65	0.78	0.89	0.66	0.91	0.84	1.03	0.86	0.37	1.11	0.98	1.33	1.34	1.19	1.11	1.14	1.08	1.08	1.08	1.15	1.04	1.09	1.23	1.22	1.38	1.32	1.51	1.50

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	227.02M	230.77M	248.56M	282.60M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	28.64M	95.54M	127.45M	126.74M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	101.04M	98.57M	106.69M	127.09M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	19.23M	20.56M	23.87M	29.03M
Net Income	25.06M	33.03M	38.83M	44.86M	45.17M	43.25M	46.43M	47.35M	51.49M	59.23M	64.54M	59.50M	-	81.81M	78.00M	82.81M	98.06M
Diluted EPS	1.65	2.16	2.53	2.63	2.62	2.49	2.66	2.70	2.92	3.35	3.64	3.35	-	4.58	4.36	4.61	5.43

Compounded Sales Growth

5 Years:	7.57%
1 Year:	14.80%

Compounded Profit Growth

5 Years:	6.22%
1 Year:	23.00%

Stock Price Performance

1 Year:	+35.81%
6 Months:	+21.29%
3 Months:	+12.37%
1 Month:	+2.78%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.36B	3.59B	3.64B	3.58B	3.72B	3.90B	3.93B	4.14B	4.20B	4.37B	5.14B	-	5.38B	5.77B	6.19B	6.68B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	140.88M	142.13M	158.98M	238.48M	207.56M	106.64M	105.52M	187.61M	144.72M	175.27M	141.45M	264.68M	338.24M	-	128.93M	271.64M	369.75M	363.93M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.59M	23.57M	24.76M	25.96M
Total Liabilities	-	-	3.02B	3.22B	3.24B	3.17B	3.28B	3.43B	3.43B	3.61B	3.64B	3.75B	4.48B	-	4.75B	5.07B	5.44B	5.83B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	61.34M	61.34M	-	-	-	-	-	-	-	-	-	-	58.20M	64.58M	64.33M	64.08M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	75.82M	80.97M	79.52M	80.49M
Total Equity	-	-	338.64M	366.87M	400.34M	412.49M	447.88M	475.58M	500.62M	530.70M	564.15M	614.89M	654.87M	-	628.05M	702.21M	757.58M	856.07M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.92M	18.00M	18.06M	18.12M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	37.71M	61.30M	64.33M	57.90M	90.72M	-	54.98M	61.42M	62.35M	65.49M	83.46M	62.38M	-	99.68M	85.85M	105.33M	104.99M
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	-	-280.01M	-226.60M	-335.67M	-463.22M
Financing Cash Flow	97.84M	67.35M	187.47M	-17.85M	-69.59M	-	135.46M	-18.21M	154.79M	1.28M	74.27M	704.70M	-	-2.75M	283.46M	328.45M	352.41M
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	-	-6.22M	-6.32M	-8.08M	-7.60M
Free Cash Flow	35.44M	58.88M	61.21M	53.59M	88.61M	-	52.73M	57.93M	59.95M	62.66M	80.89M	60.90M	-	93.47M	79.53M	97.25M	97.39M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-183.07M	142.71M	98.11M	-5.82M
Share Buybacks	-	-	-	-	0	0	189.00K	382.00K	0	0	0	1.10M	0	0	-	-	-
Dividends Paid	18.12M	18.33M	18.74M	19.21M	24.55M	20.57M	21.33M	22.19M	22.98M	24.39M	26.23M	27.14M	27.92M	29.94M	32.19M	33.41M	35.98M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	36.0%	33.8%	33.3%	34.7%
ROE %	-	9.8%	10.6%	11.2%	11.0%	9.7%	9.8%	9.5%	9.7%	10.5%	10.5%	9.1%	-	13.0%	11.1%	10.9%	11.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.43%

Institutions

67.86%

Public Float

68.84%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Community Trust & Investment Company	11.50%	2.09M	$139.61M
2	Blackrock Inc.	8.96%	1.63M	$108.77M
3	Dimensional Fund Advisors LP	6.50%	1.18M	$78.92M
4	Vanguard Capital Management LLC	3.80%	690.95K	$46.20M
5	American Century Companies Inc	2.86%	519.51K	$34.73M
6	State Street Corporation	2.74%	497.17K	$33.24M
7	Geode Capital Management, LLC	2.39%	433.80K	$29.00M
8	Northern Trust Corporation	1.58%	286.14K	$19.13M
9	Goldman Sachs Group Inc	1.57%	285.02K	$19.06M
10	LSV Asset Management	1.49%	269.98K	$18.05M

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