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CTBICommunity Trust Bancorp, Inc.
$74.40$1.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
CTBI logo

Community Trust Bancorp, Inc.

CTBI
NASDAQ · Regional Banks
$74.40
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.35B
P/E13.7x
52W High$79.92
Volume104.13K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Disciplined Margin Expansion Supports Consistent Dividend Growth

Community Trust Bancorp demonstrates a resilient business model characterized by disciplined operational control, evidenced by an efficiency ratio consistently maintained between 34% and 37% over the last ten quarters. The bank's strategic focus on trust and w...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsMixed
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

-10% Peers

P/E is 10% below peer median

03

Market leadership

RS 78 · Avg

Average momentum (RS Rating: 78)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 15

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CTBI+35.01%
S&P 500 (^GSPC)+12.39%
1-Year Return
CTBI+36.50%
S&P 500 (^GSPC)+15.77%
3-Year Return
CTBI+134.19%
S&P 500 (^GSPC)+73.03%
5-Year Return
CTBI+108.78%
S&P 500 (^GSPC)+66.99%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.7x
Forward P/EExpansion
11.7x
EV/EBITDA100th %ile
12.8x
FCF YieldCash Flow
7.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.7x
10.1x
100th· High
EV/EBITDA
12.8x
8.1x
100th· High
Price/FCF
13.9x
9.8x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$41.69-44.0%
Base (Fair)$75.65-0.4%
Bull$119.11+60.1%
$41.69 Bear$75.65 Base$119.11 Bull
Current Market Price: $74.40
Trades at a 1.7% discount to Base DCF ($75.65)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$283M+13.7% YoY
Net income
$98M+18.4% YoY
Free cash flow
$97M+0.3% YoY
Operating margin
31%+2.7 pts YoY
ROIC (TTM)8.2%
Avg ROIC 5Y-
ROE (TTM)12.2%
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 (90%)
Revenue Beat Rate8/12 (80%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Feb 27, 2026
$1.51
vs —
$106M
vs —
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

5 Stories
Zacks Investment Research·Sep 11, 2026
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

Defense World·Sep 2, 2026
Canada Pension Plan Investment Board Takes Position in Community Trust Bancorp, Inc. $CTBI

Canada Pension Plan Investment Board acquired a new position in Community Trust Bancorp, Inc. (NASDAQ: CTBI) during the undefined quarter, according to the company in its most recent disclosure with the SEC. The fund acquired 10,700 shares of the financial services provider's stock, valued at approximately $774,000. Canada Pension Plan Investment Board owned

Defense World·Aug 29, 2026
BlackRock Inc. Takes Position in Community Trust Bancorp, Inc. $CTBI

BlackRock Inc. bought a new stake in Community Trust Bancorp, Inc. (NASDAQ: CTBI) in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The firm bought 1,783,223 shares of the financial services provider's stock, valued at approximately $129,034,000. BlackRock Inc. owned 9.82% of

Zacks Investment Research·Aug 26, 2026
Community Trust Bancorp (CTBI) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

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
$74.40$1.35B13.7013.69%23.96%12.15%2.68%
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$31.92$4.57B18.0316.23%31.14%14.2%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.22$6.37B14.1320.13%38.34%9.25%—
WSBC logoWSBCWesBanco, Inc.
$38.09$3.65B16.8562.81%23.5%8.72%—
HONE logoHONEHarborOne Bancorp, Inc.
$12.10$522.22M18.330.96%8.56%4.56%—

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

Jul 15, 2026·SEC

Material company update

May 4, 2026·SEC

Material company update

Apr 29, 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 13.7% over the past year. This is steady growth.

Is CTBI profitable?

Yes, Community Trust Bancorp, Inc. (CTBI) is profitable, generating $103.3M in net income for fiscal year 2025 (24.0% net margin).

Dividend & Returns
Does CTBI pay dividends?

Yes, Community Trust Bancorp, Inc. (CTBI) pays a dividend with a yield of 2.68%. This makes it attractive for income-focused investors.

What is CTBI's return on equity?

Community Trust Bancorp, Inc. (CTBI) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

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 35.7%. 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 →