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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 Framework: Banks & Lenders Small Cap
Community Trust Bancorp, Inc. (CTBI), is a Small Cap company, in the Banks - Regional industry, last closed at $70.03, about 27.2% overvalued vs fair value, +33.5% 1Y return, placing in the top 25% of its sector.
Metrics P/E 10.4× Rev Growth 13.7% ROE 12.2% Gross Margin 96.6% Div Yield 3.52%
USD 70.03
1.52%
(Delayed)
• Vol 90d: 24.9%
52-Week Range
Market Cap
$1.27B
Enterprise Value
$821.66M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Dec 15
Earnings Jan 20 Estimated

Fair Value Snapshot

Bear Base Bull
$28
$51
$96
Current: $70.03 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$345.7M
10.3%%
Interest Expense
$126.7M
Net Interest Income
$219.0M
17.7%%
Total Revenue
$282.6M
13.7%%
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
11.5%
Good

Net Income / Equity - key bank profitability metric

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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
82
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.80).
  • Strong Capital Position Capital position is strong (score 0.85), exceeding regulatory minimums.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
86
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (31.6%), Profitability (33.6%), and Safety (34.8%). Growth 32% Safety 35% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
66
Key Signals
NII Growth YoY 17.7% 72p Asset Growth YoY 7.9% 68p Equity Growth YoY 13.0% 66p EPS Growth YoY 18.0% 50p
Strengths
  • ROA in top 20% of peers (1.5%, 82th percentile)
  • D/E Ratio in top 20% of peers (9.4%, 86th percentile)
  • Debt/Assets in top 20% of peers (1.2%, 85th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

70th percentile vs peers
70
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
73
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$51.01
- - -
-27.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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