CTBI Stock Analysis: Community Trust Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.357m USD | 12M Return: 42.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.1M
EPS Trend: 92.4%
Qual. Beats: 3
Rev. Trend: 98.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Community Trust Bancorp, Inc. (CTBI) is a bank holding company headquartered in Pikeville, Kentucky, that operates through its subsidiary, Community Trust Bank, Inc. Founded in 1903, the company provides a full suite of commercial and personal banking services, including deposit products (checking, savings, money market, IRAs, and CDs) and a diversified loan portfolio spanning commercial, construction, mortgage, consumer, real estate, hotel/motel, and asset-based financing. Beyond traditional banking, CTBI offers trust and wealth management services, cash management, safe deposit boxes, letters of credit, securities brokerage, and annuity and life insurance products, serving as trustee, executor, and paying agent for various fiduciary and corporate roles.
The company primarily serves small and mid-sized communities across eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee, reflecting the typical geographic focus of community-oriented regional banks. Its diversified fee-generating businesses-including trust services, brokerage, and insurance-provide a secondary revenue stream beyond net interest income, which is a common strategic approach among U.S. regional banks seeking to reduce reliance on lending spreads. As a GICS-classified Regional Bank within the Financials sector, CTBI operates under a traditional bank holding company structure regulated by U.S. federal banking authorities.
- Net interest margin expansion as Fed rate cycle peaks
- Loan growth across commercial and real estate portfolios
- Credit quality deteriorates in Appalachian energy-exposed markets
| Net Income: 108.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.31 > 1.0 |
| NWC/Revenue: -55.19% < 20% (prev -1.14k%; Δ 1.08k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 107.9m > Net Income 108.0m |
| Net Debt (329.7m) to EBITDA (144.2m): 2.29 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.1m) vs 12m ago 0.35% < -2% |
| Gross Margin: 68.60% > 18% (prev 64.72%; Δ 3.88% > 0.5%) |
| Asset Turnover: 6.32% > 50% (prev 6.14%; Δ 0.18% > 0%) |
| Interest Coverage Ratio: 1.13 > 6 (EBIT TTM 139.9m / Interest Expense TTM 123.7m) |
| A: -0.03 (Total Current Assets 63.8m - Total Current Liabilities 297.1m) / Total Assets 6.99b |
| B: 0.08 (Retained Earnings 545.4m / Total Assets 6.99b) |
| C: 0.02 (EBIT TTM 139.9m / Avg Total Assets 6.69b) |
| D: 0.15 (Book Value of Equity 891.8m / Total Liabilities 6.10b) |
| Altman-Z'' = 0.33 = B |
As of July 28, 2026, the stock is trading at USD 76.66 with a total of 119,218 shares traded. Over the past week, the price has changed by +2.60%, over one month by +6.12%, over three months by +17.93% and over the past year by +42.29%.
Current recommended Stop Loss: 72.00 (which is 6.1% or 2.6 ATR below the current price).
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
| Analysts Target Price | 81.3 | 6.1% |
P/E Trailing = 12.4326
P/E Forward = 11.2233
P/S = 4.7281
P/B = 1.5131
P/EG = 1.0303
Revenue TTM = 422.6m USD
EBIT TTM = 139.9m USD
EBITDA TTM = 144.2m USD
Long Term Debt = 64.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 297.1m USD (from shortTermDebt, last quarter)
Debt = 393.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = 329.7m USD (calculated: Debt 393.5m - CCE 63.8m)
Enterprise Value = 1.69b USD (1.36b + Debt 393.5m - CCE 63.8m)
Interest Coverage Ratio = 1.13 (Ebit TTM 139.9m / Interest Expense TTM 123.7m)
EV/FCF = 17.52x (Enterprise Value 1.69b / FCF TTM 96.3m)
FCF Yield = 5.71% (FCF TTM 96.3m / Enterprise Value 1.69b)
FCF Margin = 22.78% (FCF TTM 96.3m / Revenue TTM 422.6m)
Net Margin = 25.55% (Net Income TTM 108.0m / Revenue TTM 422.6m)
Gross Margin = 68.60% ((Revenue TTM 422.6m - Cost of Revenue TTM 132.7m) / Revenue TTM)
Gross Margin QoQ = 69.57% (prev 69.68%)
Tobins Q-Ratio = 0.24 (Enterprise Value 1.69b / Total Assets 6.99b)
Interest Expense / Debt = 31.44% (Interest Expense 123.7m / Debt 393.5m)
Taxrate = 22.83% (31.9m / 139.9m)
NOPAT = 108.0m (EBIT 139.9m * (1 - 22.83%))
Current Ratio = 0.21 (Total Current Assets 63.8m / Total Current Liabilities 297.1m)
Debt / Equity = 0.44 (Debt 393.5m / totalStockholderEquity, last quarter 891.8m)
Debt / EBITDA = 2.29 (Net Debt 329.7m / EBITDA 144.2m)
Debt / FCF = 3.42 (Net Debt 329.7m / FCF TTM 96.3m)
Total Stockholder Equity = 862.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 108.0m / Total Assets 6.99b)
RoE = 12.52% (Net Income TTM 108.0m / Total Stockholder Equity 862.6m)
RoCE = 15.10% (EBIT 139.9m / Capital Employed (Equity 862.6m + L.T.Debt 64.1m))
RoIC = 1.55% (NOPAT 108.0m / Invested Capital 6.97b)
WACC = 11.89% (E(1.36b)/V(1.75b) * Re(8.30%) + D(393.5m)/V(1.75b) * Rd(31.44%) * (1-Tc(0.23)))
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 99.34 | Cagr: 0.39%
[DCF] Terminal Value 62.09% ; FCFF base≈100.8m ; Y1≈92.2m ; Y5≈81.1m
[DCF] Fair Price = 26.63 (EV 813.5m - Net Debt 329.7m = Equity 483.8m / Shares 18.2m; r=11.89% [WACC]; 5y FCF grow -10.56% → 2.50% )
EPS Correlation: 92.37 | EPS CAGR: 12.42% | SUE: 2.13 | # QB: 3
Revenue Correlation: 98.34 | Revenue CAGR: 11.35% | SUE: 0.73 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.65 | Chg30d=+5.98% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=6.39 | Chg30d=+4.07% | Revisions=+40% | GrowthEPS=+17.6% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=6.47 | Chg30d=+3.13% | Revisions=+40% | GrowthEPS=+1.4% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +67% (up=6, down=0)