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Community Trust Bancorp, Inc. CTBI R2K

Financial Services · Banks - Regional · United States
https://www.ctbi.com
Company Profile ↓
$72.25
+35.07% 1Y
Mkt Cap$1.31B
P/E12.65
P/B1.48
Div. Yield2.98%
52W High$74.07
52W Low$49.74
Book Value$47.99
EPS (TTM)$5.71

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 12.7, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 37.0%.

Dividend Income

Offers a dividend yield of 2.98%.

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 +14.8%, earnings +23.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:14.80%

Compounded Profit Growth

5 Years:8.90%
1 Year:23.00%

Stock Price Performance

1 Year:+35.07%
6 Months:+27.28%
3 Months:+12.56%
1 Month:+3.84%

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

Technical Snapshot Bullish
52-Week Range 93% of range
$49.74 $74.07
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.24 · Neutral
Price Performance
1M+3.84%
3M+12.56%
6M+27.28%
1Y+35.07%
Valuation vs Sector

P/E of 12.65 is below the sector median of 13.30 — 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 37.0%.
  • Attractive dividend yield of 2.98%.
  • 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
12.65
Industry PE
13.30
Forward P/E
11.51
PEG Ratio
1.03
Book Value
$47.99
Price to Book
1.48
P/S
4.63
EV/EBITDA
-
Dividend Yield
2.98%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
8.90%
Revenue (YoY)
14.80%
Earnings (YoY)
23.00%

Profitability & Returns

ROCE
-
ROE
12.48%
ROA
1.59%
Profit Margin
36.96%
Op Margin
50.80%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.50
EPS (TTM)
$5.71

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$379.23M
Total Assets
$6.74B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.37%
Chg in Prom Hold
-0.00%
FII / Inst Holding
67.84%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$1.31B
Total Revenue (TTM)
$279.45M
EBITDA
-
Free Cash Flow
$97.39M
Operating Cash Flow
$107.89M
Shares Outstanding
18.16M
Gross Margin
0.00%
Payout Ratio
36.08%

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. R2K 72.25 12.65 $1.31B 2.98% - 12.48% - 8.90%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 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 2026
Net Income 11.82M11.94M12.65M10.14M12.20M10.92M10.94M12.40M11.22M11.60M11.57M12.31M11.28M11.54M13.76M15.81M11.60M16.11M14.94M18.32M15.27M6.58M19.65M17.45M23.62M23.93M21.14M19.73M20.27M19.37M19.31M19.40M20.63M18.68M19.50M22.14M21.97M24.90M23.91M27.19M
Diluted EPS 0.760.690.730.580.700.630.630.710.640.660.660.700.640.650.780.890.660.910.841.030.860.371.110.981.331.341.191.111.141.081.081.081.151.041.091.231.221.381.321.50

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
1.37%
Institutions
67.84%
Public Float
68.79%

Top Institutional Holders

#Holder% HeldSharesValue
1 Community Trust & Investment Company 11.50% 2.09M $151.63M
2 Blackrock Inc. 8.96% 1.63M $118.13M
3 Dimensional Fund Advisors LP 6.50% 1.18M $85.71M
4 Vanguard Capital Management LLC 3.80% 690.95K $50.17M
5 American Century Companies Inc 2.86% 519.51K $37.72M
6 State Street Corporation 2.74% 497.17K $36.10M
7 Geode Capital Management, LLC 2.39% 433.80K $31.50M
8 Northern Trust Corporation 1.58% 286.14K $20.78M
9 Goldman Sachs Group Inc 1.57% 285.02K $20.70M
10 Lone Peak Global Investors, LLC 1.56% 283.12K $20.56M

Analyst View

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Latest News

Recent headlines for CTBI

Google News Wed, 08 Jul 2026

Why Community Trust Bancorp (CTBI) is a Top Dividend Stock for Your Portfolio - Yahoo Finance

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Google News Fri, 10 Jul 2026

Do CTBI’s Rising Dividends and Earnings Expectations Reveal a Durable Income-Focused Strategy? - simplywall.st

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Google News Wed, 01 Jul 2026

Community Trust Bancorp (CTBI) CFO gifts 50 shares of company stock - Stock Titan

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Google News Sat, 27 Jun 2026

Community Trust Bancorp: Not Great, But Good Enough - Seeking Alpha

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Google News Sat, 11 Jul 2026

MSN Money - MSN

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Google News Mon, 06 Jul 2026

Avoiding Lag: Real-Time Signals in (CTBI) Movement - Stock Traders Daily

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CTBI — Frequently Asked Questions

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

As of 2026-07-14 21:23 PDT, Community Trust Bancorp, Inc. (CTBI) trades at $72.25 on NasdaqGS. Its 52-week range is $49.74 to $74.07.

What is the market capitalisation of CTBI?

Community Trust Bancorp, Inc. (CTBI) has a market capitalisation of $1.31B on NasdaqGS.

What is the P/E ratio of CTBI?

CTBI trades at a trailing price-to-earnings (P/E) ratio of 12.65. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.48.

Does CTBI pay a dividend?

Community Trust Bancorp, Inc. (CTBI) currently offers a dividend yield of 2.98%.

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

CTBI has a return on equity (ROE) of 12.48%.

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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