CTBI trades 9.5% below Wall Street's consensus target of $81.50.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CTBI achieves its forward estimates and maintains a stable P/E multiple of 11.7x. This scenario reflects the blended consensus of 6 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Community Trust Bancorp, Inc. (CTBI) has a Wall Street consensus price target of $81.50, based on estimates from 6 covering analysts. With the stock currently trading at $74.40, this represents a potential upside of +9.5%. The company has a market capitalization of $1.35B.
Analyst price targets range from a low of $81.00 to a high of $82.00, representing a 1% spread in expectations. The median target of $81.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,4 rating it Hold, and 1 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, CTBI trades at a trailing P/E of 13.7x and forward P/E of 11.7x. The forward PEG ratio of 1.15 indicates reasonable valuation for growth. Analysts expect EPS to grow +11.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $85.50, with bear and bull scenarios of $53.87 and $112.66 respectively. Model confidence stands at 48/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 FFINFirst Financial Bankshares, Inc. | $4.6B | $31.92 | $35.33 | +10.7% | Hold | 15.6x | 16 |
 UBSIUnited Bankshares, Inc. | $6.4B | $46.22 | $49.50 | +7.1% | Hold | 12.5x | 11 |
 WSBCWesBanco, Inc. | $3.7B | $38.09 | $44.33 | +16.4% | Hold | 10.6x | 16 |
 HONEHarborOne Bancorp, Inc. | $522M | $12.10 | $14.00 | +15.7% | Hold | 13.3x | 6 |
 CHMGChemung Financial Corporation | $391M | $81.22 | $87.00 | +7.1% | Hold | 10.7x | 7 |
 HBANHuntington Bancshares Incorporated | $31.1B | $15.38 | $20.11 | +30.8% | Hold | 11.2x | 49 |
 RFRegions Financial Corporation | $23.4B | $27.39 | $33.11 | +20.9% | Hold | 10.4x | 52 |
 FULTFulton Financial Corporation | $4.3B | $22.75 | $26.50 | +16.5% | Hold | 10.9x | 20 |
 IBCPIndependent Bank Corporation | $727M | $35.30 | $39.50 | +11.9% | Hold | 9.9x | 8 |
Quick answers to the most common questions about buying CTBI stock.
The consensus price target for CTBI is $81.5, close to the current price of $74.4 (9.5% implied move). Based on 6 analyst estimates, the stock appears fairly valued near current levels.
CTBI has a consensus rating of "Hold" based on 6 Wall Street analysts. The rating breakdown is mixed, with 4 Hold ratings making up the largest segment. The consensus 12-month price target of $81.5 implies 9.5% upside from current levels.
With a forward P/E of 11.6614x, CTBI trades at a relatively low valuation. The consensus target of $81.5 implies 9.5% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $82 for CTBI, while the most conservative target is $81. The consensus of $81.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $113 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CTBI is moderately covered, with 6 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 4 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CTBI stock forecast based on 6 Wall Street analysts shows a consensus price target of $81.5, with estimates ranging from $81 (bear case) to $82 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $86, with bear/bull scenarios of $54/$113.
Our quantitative valuation model calculates CTBI's fair value at $86 (base case), with a bear case of $54 and bull case of $113. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 48/100.
CTBI trades at a forward P/E ratio of 11.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 13.7x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
CTBI appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $81.5 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CTBI analyst price targets range from $81 to $82, a 1% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $81.5 consensus represents the middle ground. Our model's $54-$113 range provides an independent fundamental perspective.
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.