CTBI trades 17.9% 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 11.2x. 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 November 8, 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 $69.11, this represents a potential upside of +17.9%. The company has a market capitalization of $1.26B.
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 11.4x and forward P/E of 11.2x. The forward PEG ratio of 1.11 indicates reasonable valuation for growth. Analysts expect EPS to grow +1.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $90.87, with bear and bull scenarios of $57.25 and $119.73 respectively. Model confidence stands at 47/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 FFINFirst Financial Bankshares, Inc. | $4.4B | $30.41 | $34.33 | +12.9% | Hold | 14.9x | 17 |
 UBSIUnited Bankshares, Inc. | $6.6B | $48.22 | $51.00 | +5.8% | Hold | 12.9x | 11 |
 WSBCWesBanco, Inc. | $3.7B | $38.59 | $45.00 | +16.6% | Hold | 10.8x | 16 |
 CHMGChemung Financial Corporation | $408M | $84.75 | $93.00 | +9.7% | Hold | 10.1x | 7 |
 HBANHuntington Bancshares Incorporated | $31.3B | $15.47 | $19.33 | +25.0% | Hold | 11.8x | 49 |
 RFRegions Financial Corporation | $24.2B | $28.31 | $31.55 | +11.4% | Hold | 10.5x | 52 |
 FULTFulton Financial Corporation | $4.5B | $23.76 | $26.00 | +9.4% | Hold | 10.8x | 20 |
 IBCPIndependent Bank Corporation | $748M | $36.31 | $43.00 | +18.4% | Hold | 10.6x | 8 |
 CCNECNB Financial Corporation | $1.1B | $35.78 | $38.00 | +6.2% | Buy | 10.0x | 4 |
Quick answers to the most common questions about buying CTBI stock.
Community Trust Bancorp, Inc. (CTBI) has a consensus 12-month price target of $81.5, implying 17.9% upside from $69.11. The 6 analysts covering CTBI see moderate appreciation potential.
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 17.9% upside from current levels.
With a forward P/E of 11.2497x, CTBI trades at a relatively low valuation. The consensus target of $81.5 implies 17.9% appreciation, suggesting meaningful undervaluation.
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 $120 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 $91, with bear/bull scenarios of $57/$120.
Our quantitative valuation model calculates CTBI's fair value at $91 (base case), with a bear case of $57 and bull case of $120. 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 47/100.
CTBI trades at a forward P/E ratio of 11.2x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.4x. 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.
Wall Street analysts are optimistic on CTBI, with a "Hold" consensus rating and $81.5 price target (17.9% upside). 1 of 6 analysts rate it Buy or Strong Buy. 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 $57-$120 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.