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CTBICommunity Trust Bancorp, Inc.
$69.11$1.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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CTBI logo

Community Trust Bancorp, Inc.

CTBI
NASDAQ · Regional Banks
$69.11
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.26B
P/E11.4x
52W High$79.92
Volume89.67K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Steady Bank Earnings Growth Meets Rising Credit Provision Pressure

CTBI's net interest income grew from $45.7M in 2024Q2 to $61.1M in 2026Q3, and its efficiency ratio improved from 52.8% to 45.8%, supporting a solid core earnings base.

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

CTBI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-11% Peers

P/E is 11% below peer median

03

Market leadership

RS 60 · Avg

Average momentum (RS Rating: 60)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 21

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CTBI+25.63%
S&P 500 (^GSPC)+7.63%
1-Year Return
CTBI+36.10%
S&P 500 (^GSPC)+9.69%
3-Year Return
CTBI+88.47%
S&P 500 (^GSPC)+68.21%
5-Year Return
CTBI+72.19%
S&P 500 (^GSPC)+56.32%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.4x
Forward P/EExpansion
11.2x
EV/EBITDA100th %ile
10.7x
FCF YieldCash Flow
7.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.4x
10.1x
80th· High
EV/EBITDA
10.7x
8.1x
100th· High
Price/FCF
14.0x
9.8x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$46.55-32.6%
Base (Fair)$84.19+21.8%
Bull$132.49+91.7%
$46.55 Bear$84.19 Base$132.49 Bull
Current Market Price: $69.11
Trades at a 17.9% discount to Base DCF ($84.19)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$283M+13.7% YoY
Net income FY25
$98M+18.4% YoY
Free cash flow FY25
$97M+0.3% YoY
Operating margin FY25
45%+2.1 pts YoY
ROIC (FY25)8.2%
Avg ROIC 5Y7.8%
ROE (TTM)12.6%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 21, 2026
$1.43-13.3%
vs $1.65
$80M-0.6%
vs $80M
Q3 2026
Jul 15, 2026
$1.64+7.9%
vs $1.52
$78M+2.1%
vs $77M
Q2 2026
Apr 15, 2026
$1.50+7.9%
vs $1.39
$74M+1.6%
vs $73M
Q1 2026
Jan 21, 2026
$1.51+5.6%
vs $1.43
$75M+1.0%
vs $74M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·Oct 22, 2026
Did You Lose Money on Community Trust Bancorp, Inc. Stock? The Law Offices of Howard G.

BENSALEM, Pa.--(BUSINESS WIRE)--Investors who suffered losses on Community Trust Bancorp, Inc. ("Community Trust" or the "Company") stock may have claims to recover those losses. The Law Offices of Howard G. Smith today reported that it is conducting a securities fraud investigation on behalf of Community Trust Bancorp, Inc. (NASDAQ: CTBI) investors into whether the Company may have violated the federal securities laws. The investigation comes after a October 21, 2026 disclosure concerning Commu.

Business Wire·Oct 21, 2026
Lost Money on Community Trust Bancorp, Inc. Shares? The Law Offices of Frank R.

LOS ANGELES--(BUSINESS WIRE)--Community Trust Bancorp, Inc. ("Community Trust" or the "Company") investors who lost money may have claims to recover their losses. The Law Offices of Frank R. Cruz today announced it is investigating potential securities fraud claims on behalf of investors in Community Trust Bancorp, Inc. (NASDAQ: CTBI), examining whether the Company may have violated the federal securities laws. The investigation centers on the disclosure about Community Trust Bancorp, Inc. on Oc.

Zacks Investment Research·Oct 21, 2026
Community Trust Bancorp (CTBI) Reports Q3 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for Community Trust Bancorp (CTBI) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Seeking Alpha·Oct 15, 2026
Summary Of Dividend Announcements: Q3 2026

In Q3 2026, 149 dividend-paying stocks announced increases, with an average hike of 7.93% and a median yield of 2.79%. Financials led sector increases, while Health Care posted the highest average increase; larger increases correlated with lower yields. Three companies cut dividends, all flagged as low quality or with weak safety scores prior to the reduction. Six companies declared special dividends.

Filtered for Community Trust Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark CTBI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Community Trust Bancorp, Inc. (CTBI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CTBI logoCTBICommunity Trust Bancorp, Inc.Current
$69.11$1.26B11.3813.69%35.81%12.58%2.88%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
UBSI logoUBSIUnited Bankshares, Inc.
$48.22$6.64B12.8820.13%41.28%9.37%3.07%
WSBC logoWSBCWesBanco, Inc.
$38.59$3.7B10.3062.81%34.04%8.88%3.62%
CHMG logoCHMGChemung Financial Corporation
$84.75$408.48M10.66-1.92%38.37%14.49%1.55%

Compare CTBI vs Peers

Community Trust Bancorp, Inc. (CTBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CTBI.

Scale Benchmark

vs V

Larger-name benchmark to compare CTBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FFIN, UBSI, WSBC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CTBI SEC Filings & Documents

Community Trust Bancorp, Inc. (CTBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 21, 2026·SEC

Material company update

Jul 15, 2026·SEC

Material company update

May 4, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CTBI Frequently Asked Questions

Community Trust Bancorp, Inc. (CTBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Community Trust Bancorp, Inc. growing?

Community Trust Bancorp, Inc. (CTBI) grew revenue by 12.3% over the trailing twelve months, compared with the twelve months before.

Is CTBI profitable?

Yes. Community Trust Bancorp, Inc. (CTBI) earned $110.0M in net income over the trailing twelve months (a 35.8% net margin).

Dividend & Returns
Does CTBI pay dividends?

Yes. Community Trust Bancorp, Inc. (CTBI) pays a dividend that yields 2.88% at the current price, a moderate yield.

What is CTBI's return on equity?

Community Trust Bancorp, Inc. (CTBI) had a return on equity (ROE) of 12.6% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Community Trust Bancorp, Inc.'s net interest margin?

Community Trust Bancorp, Inc. (CTBI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is Community Trust Bancorp, Inc.'s efficiency ratio?

Community Trust Bancorp, Inc. (CTBI) has an efficiency ratio of 51.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CTBI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →