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Updated 1m ago
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Community Trust Bancorp, Inc.NasdaqGS:CTBI Stock Report

Market Cap US$1.4b
Updated 1m ago
Share Price
n/a
1Y35.1%
7D-2.5%
1D-0.3%
Portfolio Value
​
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Community Trust Bancorp, Inc.

NasdaqGS:CTBI Stock Report

Market Cap: US$1.4b

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

Community Trust Bancorp (CTBI) Stock Overview

Operates as the bank holding company for Community Trust Bank, Inc. More details

CTBI fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 29.7% below our estimate of its fair value

Earnings are forecast to grow 5.21% per year

Earnings have grown 4.1% per year over the past 5 years

Pays a reliable dividend of 3.42%

Risk Analysis

Significant insider selling over the past 3 months


CTBI Community Fair Values

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US$
Current Price
US$75.932.6% undervalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0425m2016201920222025202620282031Revenue US$424.7mEarnings US$159.8m
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Community Trust Bancorp, Inc. Competitors

First Mid Bancshares

Symbol: NasdaqGM:FMBH
Market cap: US$1.3b

Amalgamated Financial

Symbol: NasdaqGM:AMAL
Market cap: US$1.4b

Old Second Bancorp

Symbol: NasdaqGS:OSBC
Market cap: US$1.3b

Esquire Financial Holdings

Symbol: NasdaqCM:ESQ
Market cap: US$1.4b

Price History & Performance

Summary of share price highs, lows and changes for Community Trust Bancorp
Historical stock prices
Current Share PriceUS$75.93
52 Week HighUS$79.92
52 Week LowUS$50.25
Beta0.55
1 Month Change-0.77%
3 Month Change8.35%
1 Year Change35.08%
3 Year Change120.92%
5 Year Change80.01%
Change since IPO1,048.02%

Recent News & Updates

Seeking Alpha • Sep 08

Community Trust Bancorp: Strong Profitability, But Valuation Limits Upside

Summary Community Trust Bancorp delivers strong profitability, with 2026 Q2 net profit up 19% and a 3.8% net interest margin. CTBI trades at 13.02x P/E and 1.58x P/B, reflecting its high operating quality but leaving limited upside at current valuation. Loan portfolio growth and cost control underpin results, but rising non-performing loans and increased exposure to commercial real estate elevate credit risk. Dividend yield stands at 3.34%, but caution is warranted due to margin pressure from rising term deposits and potential interest rate declines. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Sep 08

Community Trust Bancorp: Strong Profitability, But Valuation Limits Upside

Summary Community Trust Bancorp delivers strong profitability, with 2026 Q2 net profit up 19% and a 3.8% net interest margin. CTBI trades at 13.02x P/E and 1.58x P/B, reflecting its high operating quality but leaving limited upside at current valuation. Loan portfolio growth and cost control underpin results, but rising non-performing loans and increased exposure to commercial real estate elevate credit risk. Dividend yield stands at 3.34%, but caution is warranted due to margin pressure from rising term deposits and potential interest rate declines. Read the full article on Seeking Alpha
Seeking Alpha • Mar 21

Community Trust Bancorp: A Well-Run Bank But Not At A Discount

Summary I maintain a hold rating on Community Trust Bancorp due to its significant stock rise and current fair valuation amidst macroeconomic uncertainty. CTBI's net interest income improved by 15.20% QoQ, driven by a stall in expenses growth and increased income on earning assets, expanding profit margins. The bank's experienced management and resilient loan portfolio have shown steady growth and low nonperforming loans, even through various economic cycles. Despite a high and sustainable dividend yield of 3.61%, the stock's fair value and low capital gain potential warrant caution, especially given economic uncertainties. Read the full article on Seeking Alpha
Seeking Alpha • Dec 17

Staying The Course When It Comes To Community Trust Bancorp

Summary I previously rated Community Trust Bancorp, Inc. as a “hold” due to declining net interest income and profits, but shares have since risen nicely. The company's balance sheet has improved, with deposits and loans increasing, but debt also rose. Net interest income and non-interest income have grown, but declining interest rates could negatively impact future earnings. Despite some positive metrics, the stock remains a bit pricey, causing me to maintain my “hold” rating due to the limited upside potential I believe exists for it. Read the full article on Seeking Alpha
Analysis Article • Oct 26

Community Trust Bancorp (NASDAQ:CTBI) Has Affirmed Its Dividend Of $0.47

The board of Community Trust Bancorp, Inc. ( NASDAQ:CTBI ) has announced that it will pay a dividend of $0.47 per share...
Seeking Alpha • Sep 27

Community Trust Bancorp: Slow And Steady Can Win The Race

Summary Despite being constrained by a relatively low-growth geographic footprint, shares of Kentucky-based Community Trust Bancorp have nevertheless done relatively well. Long-term growth has been pedestrian, but this bank is a relatively efficient operator and profitability has been above-average historically. At around 11x current-year consensus EPS, these shares should just about be able to clear a ~9-10% hurdle rate. Read the full article on Seeking Alpha
Seeking Alpha • Aug 14

Community Trust Bancorp: Not Ready To Pull The Trigger

Summary Community Trust Bancorp is a small institution with 80 locations in Kentucky, West Virginia, and Tennessee. Shares have performed more or less in line with the market, up 14.9% since the last article, compared to the S&P 500's 13.9% increase over the same timeframe. Recent results show steady growth in deposits and loans, but a decline in net interest income and profits, justifying a 'hold'. Read the full article on Seeking Alpha
Seeking Alpha • Jul 17

Lock In Some Profit On Community Trust Bancorp After This Rally

Summary We recommended Community Trust Bancorp, Inc. stock as a buy in October 2023 for income and rebound. Q2 earnings show loan growth, deposit strength, and margin expansion. Mixed asset quality metrics, but overall strong performance and efficiency ratios. Time to lock in profit on Community Trust Bancorp stock and run a lifetime house position collecting all future gains, dividends, spinoffs, etc. Read the full article on Seeking Alpha
Seeking Alpha • Apr 23

Community Trust Bancorp: On The Rebound, But Not Undervalued Enough

Summary Community Trust's quarterly report shows positive trends in net interest income and non-interest income, indicating potential growth for the bank. The future of the bank depends heavily on the choices made by the Federal Reserve regarding interest rates. Loan growth is struggling, but non-interest income, particularly loan-related fees and life insurance revenue, has seen significant increases. Read the full article on Seeking Alpha
Analysis Article • Apr 17

Here's Why Community Trust Bancorp, Inc.'s (NASDAQ:CTBI) CEO Might See A Pay Rise Soon

Key Insights Community Trust Bancorp's Annual General Meeting to take place on 23rd of April Salary of US$653.5k is...
Analysis Article • Aug 28

Community Trust Bancorp (NASDAQ:CTBI) Has Announced That It Will Be Increasing Its Dividend To $0.46

Community Trust Bancorp, Inc.'s ( NASDAQ:CTBI ) dividend will be increasing from last year's payment of the same period...
Analysis Article • Aug 11

Community Trust Bancorp (NASDAQ:CTBI) Will Pay A Larger Dividend Than Last Year At $0.46

Community Trust Bancorp, Inc. ( NASDAQ:CTBI ) has announced that it will be increasing its dividend from last year's...

Shareholder Returns

CTBIUS BanksUS Market
7D-2.5%-2.0%-0.1%
1Y35.1%11.8%11.9%

Return vs Industry: CTBI exceeded the US Banks industry which returned 11.8% over the past year.

Return vs Market: CTBI exceeded the US Market which returned 11.9% over the past year.

Price Volatility

Is CTBI's price volatile compared to industry and market?
CTBI volatility
CTBI Average Weekly Movement2.6%
Banks Industry Average Movement3.0%
Market Average Movement6.8%
10% most volatile stocks in US Market15.1%
10% least volatile stocks in US Market2.9%

Stable Share Price: CTBI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CTBI's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1903930Mark Goochwww.ctbi.com

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.

Community Trust Bancorp, Inc. Fundamentals Summary

How do Community Trust Bancorp's earnings and revenue compare to its market cap?
CTBI fundamental statistics
Market capUS$1.38b
Earnings (TTM)US$108.00m
Revenue (TTM)US$287.05m
12.8x
P/E Ratio
1.5x
P/B Ratio

Is CTBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CTBI income statement (TTM)
RevenueUS$287.05m
Cost of RevenueUS$0
Gross ProfitUS$287.05m
Other ExpensesUS$179.05m
EarningsUS$108.00m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)5.94
Gross Margin100.00%
Net Profit Margin37.63%
Debt/Equity Ratio40.5%

How did CTBI perform over the long term?

See historical performance and comparison

Dividends

3.4%
Current Dividend Yield
35%
Payout Ratio

Does CTBI pay a reliable dividends?

See CTBI dividend history and benchmarks
When do you need to buy CTBI by to receive an upcoming dividend?
Community Trust Bancorp dividend dates
Ex Dividend DateSep 15 2026
Dividend Pay DateOct 01 2026
Days until Ex dividend6 days
Days until Dividend pay date10 days

Does CTBI pay a reliable dividends?

See CTBI dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/21 03:53
End of Day Share Price 2026/09/18 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Community Trust Bancorp, Inc. is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)
Catherine Summerson MealorKeefe, Bruyette, & Woods
Adam KrollPiper Sandler Companies

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