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Company Analysis

Community Trust Bancorp, Inc. CTBI

A comprehensive view of key metrics, scores, and financial health for Community Trust Bancorp, Inc.

Overview of Community Trust Bancorp, Inc.

CTBI NMS
Financial Services Banks - Regional Small Cap
Community Trust Bancorp, Inc. (CTBI), is a Small Cap company, in the Banks - Regional industry, last closed at $58.62, about 18.7% overvalued vs fair value, +13.7% 1Y return, ranked 259/1004 in sector.
$58.62
-0.69%
As of March 13, 2026
Previous close • Vol 90d: 28.7%
52-Week Range
Market Cap
$1.06B
Enterprise Value
$1.39B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ctbi.com
HQ Pikeville, KY
Employees 930
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$26
$48
$89
Current: $58.62 -19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$313.4M
16.7%%
Interest Expense
$126.7M
Net Interest Income
$186.0M
7.4%%
Total Revenue
$409.3M
64.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.9%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$36.0M
43.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Community Trust Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
82
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CTBI's balance between Growth (28.9%), Profitability (35.3%), and Safety (35.8%). Growth 29% Safety 36% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 64.7% 58p Asset Growth YoY 7.9% 71p Revenue CAGR 3Y 21.7% 62p
Strengths
  • Roa in top 20% of peers (1.4%, 84th percentile)
  • Roa in top 20% of peers (1.4%, 84th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

79th percentile vs peers
79
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Community Trust Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$47.65
- - -
-18.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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