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CTBI stock logo

CTBI

Community Trust Bancorp, Inc.

$69.14
0.83
 (1.22%)
Exchange:  NASDAQ
Market Cap:  1.256B
Shares Outstanding:  8.4M
Delayed data
Calculate CTBI Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Mark A. Gooch
Full Time Employees:  939
Address: 
346 North Mayo Trail
Pikeville
KY
41502
US
Website:  https://www.ctbi.com
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established 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)317,659.194Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)326,897.605Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)322,278.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)116,691.595Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)120,085.311Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)118,388.453Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)110,190.406Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)115,248.326Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)113,100Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)86,060.211Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)88,563.081Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)87,311.646Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)6.240Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6.380Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6.100Full 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)
: 
2.95
?Net Income
 (TTM)
: 
82.813M  ?P/E
 (TTM)
: 
11.81
?Enterprise Value
 (TTM)
: 
1.248B  ?EV/FCF
 (TTM)
: 
12.96
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.36
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
247.165M  ?Debt/Equity
 (TTM)
: 
0.44
?P/B
 (TTM)
: 
1.4  ?Current Ratio
 (TTM)
: 
1.88

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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
11.37Full 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.

[intrinsic_calculator]

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.

Daily snapshot

1.22
MARKETSnap

Trading Metrics:

Open: 69.66   Previous Close: 68.31
Day Low: 68.48   Day High: 70.11
Year Low: 49.61   Year High: 70.11
Price Avg 50: 65.16   Price Avg 200: 59.62
Volume: 83978   Average Volume: 94460

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Relevant news

Community Trust Bancorp (CTBI) Could Be a Great Choice
25-02-2026 12:45
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