Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.38 | 12.98 | 11.03 | 10.12 | 9.35 | 10.60 | 9.59 | 10.32 | 10.61 | 10.09 | 10.01 | 10.25 | 10.54 | 7.45 | 8.23 | 8.78 | 9.11 | 9.39 | 8.87 | 9.28 | 10.09 |
| — | +22.4% | +15.1% | -1.9% | -11.8% | +5.0% | -4.3% | +0.7% | +0.6% | +35.5% | +21.6% | +16.7% | +15.7% | -20.7% | -7.2% | -5.3% | -9.7% | +6.1% | +17.7% | +12.1% | -3.0% | |
| P/S Ratio | 4.09 | 4.22 | 4.17 | 3.70 | 3.41 | 3.53 | 3.40 | 3.43 | 3.63 | 3.56 | 3.19 | 3.26 | 3.47 | 2.62 | 2.75 | 2.95 | 3.51 | 3.11 | 3.26 | 3.34 | 3.48 |
| — | +19.4% | +22.7% | +7.9% | -6.1% | -0.8% | +6.4% | +5.3% | +4.8% | +36.1% | +16.1% | +10.6% | -1.2% | -15.9% | -15.7% | -11.8% | +0.7% | -6.4% | +0.8% | -4.8% | +13.9% | |
| P/B Ratio | 1.46 | 1.53 | 1.47 | 1.26 | 1.19 | 1.21 | 1.18 | 1.16 | 1.26 | 1.17 | 1.09 | 1.08 | 1.12 | 0.94 | 0.96 | 1.03 | 1.31 | 1.20 | 1.14 | 1.12 | 1.11 |
| — | +26.1% | +24.1% | +8.9% | -5.4% | +3.5% | +8.5% | +7.0% | +12.6% | +25.0% | +13.1% | +4.6% | -14.3% | -21.8% | -15.6% | -8.1% | +17.4% | +10.9% | +8.7% | -4.9% | +10.7% | |
| P/FCF | 14.04 | — | 7.60 | 7.24 | 30.28 | 6.95 | 17.58 | 6.58 | 12.33 | 6.32 | 10.65 | 7.98 | 10.53 | 6.91 | 11.14 | 6.99 | 8.09 | 7.49 | 10.23 | 6.99 | 5.97 |
| — | — | -56.8% | +10.0% | +145.7% | +9.9% | +65.1% | -17.6% | +17.1% | -8.5% | -4.4% | +14.2% | +30.1% | -7.7% | +9.0% | +0.1% | +35.6% | -54.4% | +116.4% | +11.7% | -29.4% | |
| EV / EBITDA | 10.75 | 12.60 | 10.28 | 7.59 | 9.14 | 6.72 | 6.38 | 7.51 | 7.40 | 8.37 | 8.52 | 7.89 | 8.36 | 6.47 | 7.95 | 7.20 | 8.75 | 7.47 | 7.59 | 8.76 | 7.97 |
| — | +87.5% | +61.1% | +1.1% | +23.4% | -19.7% | -25.1% | -4.9% | -11.4% | +29.4% | +7.2% | +9.6% | -4.6% | -13.5% | +4.7% | -17.8% | +9.9% | -9.3% | +35.6% | +39.3% | -12.5% | |
| EV / EBIT | 12.45 | 12.60 | 10.58 | 7.91 | 9.53 | 7.03 | 6.66 | 7.88 | 7.72 | 8.78 | 8.95 | 8.26 | 8.83 | 6.83 | 8.48 | 7.46 | 9.20 | 7.87 | 8.12 | 9.05 | 8.38 |
| — | +79.2% | +58.8% | +0.4% | +23.5% | -19.9% | -25.6% | -4.6% | -12.6% | +28.5% | +5.6% | +10.6% | -4.1% | -13.2% | +4.4% | -17.5% | +9.9% | -8.9% | +39.1% | +38.1% | -13.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.6% | 88.5% | 96.5% | 96.9% | 100.0% | 94.6% | 97.0% | 94.6% | 96.1% | 95.6% | 95.2% | 95.5% | 96.8% | 96.8% | 96.5% | 98.1% | 97.4% | 95.9% | 99.9% | 98.4% | 99.0% |
| — | -6.4% | -0.6% | +2.4% | +4.1% | -1.1% | +2.0% | -0.9% | -0.8% | -1.2% | -1.4% | -2.6% | -0.6% | +1.0% | -3.3% | -0.4% | -1.7% | -4.4% | -7.2% | -5.8% | +0.8% | |
| Operating Margin | 45.0% | 42.7% | 48.9% | 47.6% | 47.3% | 43.2% | 46.2% | 42.9% | 44.7% | 43.8% | 42.3% | 40.6% | 41.0% | 44.2% | 42.9% | 42.7% | 45.7% | 41.8% | 45.6% | 45.0% | 43.2% |
| — | -1.1% | +5.7% | +11.0% | +6.0% | -1.5% | +9.2% | +5.6% | +8.9% | -0.8% | -1.3% | -4.9% | -10.2% | +5.8% | -6.0% | -5.2% | +5.7% | -10.2% | -16.3% | -16.2% | +20.8% | |
| Net Margin | 34.7% | 32.5% | 37.7% | 36.6% | 36.5% | 33.4% | 35.5% | 33.2% | 34.2% | 35.3% | 31.8% | 31.8% | 32.9% | 35.2% | 33.6% | 33.5% | 38.4% | 33.3% | 36.7% | 35.9% | 34.5% |
| — | -2.9% | +6.4% | +10.4% | +6.6% | -5.2% | +11.6% | +4.4% | +4.1% | +0.3% | -5.3% | -5.1% | -14.2% | +5.7% | -8.5% | -6.5% | +11.2% | -11.2% | -14.9% | -15.2% | +17.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 2.9% | 3.4% | 3.1% | 3.2% | 2.9% | 3.1% | 2.9% | 3.0% | 3.0% | 2.7% | 2.6% | 2.8% | 3.1% | 2.9% | 3.0% | 3.6% | 3.1% | 3.2% | 2.9% | 2.8% |
| — | +0.3% | +7.4% | +10.5% | +9.1% | -2.4% | +14.5% | +7.6% | +7.6% | -4.8% | -7.3% | -11.9% | -24.5% | +0.1% | -6.6% | +3.0% | +31.7% | +2.1% | -11.3% | -18.6% | +13.7% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +0.4% | +9.8% | +15.0% | +10.6% | -2.5% | +17.5% | +9.6% | +13.1% | +1.8% | -4.7% | -9.2% | -20.9% | +4.3% | -5.7% | -2.5% | +16.1% | -8.7% | -15.6% | -19.2% | +14.4% | |
| ROIC | 8.2% | 2.0% | 2.3% | 2.1% | 2.2% | 2.0% | 2.2% | 1.9% | 2.0% | 2.0% | 1.9% | 1.8% | 1.8% | 2.0% | 1.9% | 2.0% | 2.2% | 2.0% | 2.0% | 1.8% | 1.7% |
| — | -1.2% | +4.3% | +9.2% | +6.2% | +2.1% | +15.1% | +10.5% | +15.8% | -2.1% | -1.9% | -10.9% | -19.7% | +1.4% | -1.7% | +7.4% | +27.4% | +9.6% | -3.9% | -11.3% | +29.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.46 | 0.49 | 0.42 | 0.44 | 0.46 | 0.44 | 0.38 | 0.42 | 0.42 | 0.41 | 0.43 | 0.45 | 0.44 | 0.48 | 0.47 | 0.44 | 0.46 | 0.50 | 0.49 | 0.50 | 0.49 |
| — | +11.5% | +11.5% | +4.1% | +7.7% | +6.9% | -11.6% | -6.4% | -3.2% | -14.4% | -9.1% | +0.5% | -6.0% | -3.7% | -3.8% | -11.0% | -5.4% | -4.9% | -24.3% | -22.5% | -25.0% | |
| Debt / EBITDA | 2.93 | 12.66 | 9.56 | 10.30 | 10.57 | 11.34 | 9.03 | 11.01 | 10.47 | 10.87 | 11.29 | 12.66 | 12.48 | 11.48 | 11.78 | 11.44 | 10.39 | 11.77 | 11.49 | 12.75 | 13.52 |
| — | +11.7% | +5.8% | -6.4% | +1.0% | +4.3% | -20.0% | -13.1% | -16.1% | -5.3% | -4.1% | +10.7% | +20.2% | -2.5% | +2.5% | -10.3% | -23.2% | -11.1% | -18.2% | -6.5% | -35.2% | |
| Current Ratio | 0.91 | 0.17 | 0.30 | 1.88 | 0.91 | 0.20 | 0.18 | 0.18 | 0.27 | 0.27 | 0.26 | 0.28 | 0.29 | 0.28 | 0.28 | 0.31 | 0.30 | 0.33 | 0.35 | 0.36 | 0.39 |
| — | -17.3% | +63.6% | +953.4% | +234.8% | -23.9% | -28.2% | -37.2% | -7.4% | -5.3% | -8.2% | -9.7% | -2.7% | -14.4% | -19.1% | -12.4% | -21.7% | -13.3% | -11.2% | +3.5% | +25.0% | |
| Quick Ratio | 0.91 | 0.17 | 0.30 | 1.88 | 0.91 | 0.20 | 0.18 | 0.18 | 0.27 | 0.27 | 0.26 | 0.28 | 0.29 | 0.28 | 0.28 | 0.31 | 0.30 | 0.33 | 0.35 | 0.36 | 0.39 |
| — | -17.3% | +63.6% | +953.4% | +234.8% | -23.9% | -28.2% | -37.2% | -7.4% | -5.3% | -8.2% | -9.7% | -2.7% | -14.4% | -19.1% | -12.4% | -21.7% | -13.3% | -11.2% | +3.5% | +25.0% | |
| Interest Coverage | 1.00 | 1.01 | 1.26 | 1.22 | 1.13 | 0.94 | 1.03 | 0.92 | 0.90 | 0.84 | 0.84 | 0.76 | 0.77 | 0.98 | 1.14 | 1.44 | 2.10 | 3.09 | 5.53 | 7.09 | 6.81 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CTBI stock.
Community Trust Bancorp, Inc.'s current P/E is 11.4x. The average P/E over the last 4 quarters is 10.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Community Trust Bancorp, Inc.'s current operating margin is 45.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Community Trust Bancorp, Inc.'s business trajectory between earnings reports.