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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 $66.46, about 28.3% overvalued vs fair value, +35.7% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 64.7% ROE 12.2% Gross Margin 66.7% Div Yield 3.52%
$66.46
1.48%
As of April 28, 2026
Previous close • Vol 90d: 29.3%
52-Week Range
Market Cap
$1.19B
Enterprise Value
$1.52B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Apr 1
Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$26
$48
$89
Current: $66.46 -28% 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

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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
84
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CTBI's balance between Growth (37.6%), Profitability (32.1%), and Safety (30.3%). Growth 38% Safety 30% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
67
Key Signals
NII Growth YoY 7.4% 72p Asset Growth YoY 7.9% 71p Equity Growth YoY 7.9% 58p EPS Growth YoY 5.7% 56p
Strengths
  • ROA in top 20% of peers (1.4%, 84th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
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
- - -
-28.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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