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CTBI stock logo

CTBI

Community Trust Bancorp, Inc.

$61.76
0.18
 (0.29%)
Exchange:  NASDAQ
Market Cap:  1.121B
Shares Outstanding:  8.4M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles Wayne Hancock
Full Time Employees:  939
Address: 
346 North Mayo Trail
Pikeville
KY
41502
US
Website:  https://www.ctbi.com
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue326,309376,008409,336
Gross Profit223,958237,609273,067
EBITDA103,919111,689131,336
Operating Income98,568106,686127,092
Net Income78,00482,81398,058

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,769,6966,193,2456,684,138
Total Liabilities5,067,4885,435,6615,828,066
Total Stockholders Equity702,208757,584856,072
Total Debt306,713320,186389,793
Cash and Cash Equivalents271,645369,75062,851

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Cash Flow Statement

Year202320242025
Operating Cash Flow85,732105,172104,991
Capital Expenditure-6,322-8,0780
Free Cash Flow79,41097,094104,991
Net Income78,00482,81398,058
Net Change in Cash142,71498,105-5,821

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)312,855.472Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)317,901.528Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)315,378.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)114,926.956Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)116,780.616Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)115,853.786Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)108,384.006Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)109,106.566Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)108,650Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)84,758.787Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)86,125.864Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)85,442.325Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)6.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6.040Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
374.426M  ?P/S
 (TTM)
: 
2.74
?Net Income
 (TTM)
: 
82.813M  ?P/E
 (TTM)
: 
11.35
?Enterprise Value
 (TTM)
: 
1.448B  ?EV/FCF
 (TTM)
: 
15.59
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.37
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
247.165M  ?Debt/Equity
 (TTM)
: 
0.46
?P/B
 (TTM)
: 
1.3  ?Current Ratio
 (TTM)
: 
0.91

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.67Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CTBI intrinsic value between $61.40 – $79.47 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CTBI Intrinsic Value

Common questions about CTBI valuation

Is Community Trust Bancorp, Inc. (CTBI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Community Trust Bancorp, Inc. (CTBI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CTBI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CTBI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CTBI’s P/E ratio?

You can see CTBI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CTBI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CTBI a good long-term investment?

Whether CTBI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CTBI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

0.29
MARKETSnap

Trading Metrics:

Open: 60.9   Previous Close: 61.58
Day Low: 60.76   Day High: 62.04
Year Low: 44.6   Year High: 65.79
Price Avg 50: 61.36   Price Avg 200: 57.12
Volume: 56524   Average Volume: 81975

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Relevant news

Community Trust Bancorp (CTBI) is a Top Dividend Stock Right Now: Should You Buy?
30-03-2026 12:47
Community Trust Bancorp (CTBI) is a Top Dividend Stock Right Now: Should You Buy?
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13-03-2026 12:45
This is Why Community Trust Bancorp (CTBI) is a Great Dividend Stock
Community Trust Bancorp, Inc. $CTBI Shares Bought by American Century Companies Inc.
09-03-2026 03:03
Community Trust Bancorp, Inc. $CTBI Shares Bought by American Century Companies Inc.
Community Trust Bancorp (CTBI) Could Be a Great Choice
25-02-2026 12:45
Community Trust Bancorp (CTBI) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
09-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?
Why Community Trust Bancorp (CTBI) is a Great Dividend Stock Right Now
22-01-2026 12:45
Why Community Trust Bancorp (CTBI) is a Great Dividend Stock Right Now

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