COMMUNITY TRUST BANCORP INC (CTBI) Stock Fundamental Analysis
USA - NASDAQ:CTBI - US2041491083 - Common Stock
52.83 USD
+0.64 (+1.23%)
52.83 USD
0 (0%)
Overall CTBI gets a fundamental rating of 4 out of 10. We evaluated CTBI against 390 industry peers in the Banks industry. There are concerns on the financial health of CTBI while its profitability can be described as average. CTBI has a decent growth rate and is not valued too expensively. CTBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CTBI had positive earnings in the past year.
In the past year CTBI had a positive cash flow from operations.
Each year in the past 5 years CTBI has been profitable.
Each year in the past 5 years CTBI had a positive operating cash flow.
1.2 Ratios
CTBI's Return On Assets of 1.43% is amongst the best of the industry. CTBI outperforms 87.47% of its industry peers.
With a decent Return On Equity value of 11.34%, CTBI is doing good in the industry, outperforming 78.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 11.34% | ||
| ROIC | N/A |
ROA(3y)1.4%
ROA(5y)1.4%
ROE(3y)11.69%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 34.55%, CTBI belongs to the top of the industry, outperforming 91.82% of the companies in the same industry.
CTBI's Profit Margin has been stable in the last couple of years.
CTBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.37%
PM growth 5Y0.16%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CTBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
CTBI has more shares outstanding than it did 1 year ago.
CTBI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CTBI has an improved debt to assets ratio.
2.2 Solvency
CTBI has a debt to FCF ratio of 2.85. This is a good value and a sign of high solvency as CTBI would need 2.85 years to pay back of all of its debts.
CTBI has a Debt to FCF ratio of 2.85. This is comparable to the rest of the industry: CTBI outperforms 40.41% of its industry peers.
A Debt/Equity ratio of 0.36 indicates that CTBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.36, CTBI is doing worse than 73.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.50%, which is quite good.
CTBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.79% yearly.
CTBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.19%.
The Revenue has been growing slightly by 4.96% on average over the past years.
EPS 1Y (TTM)17.5%
EPS 3Y-2.28%
EPS 5Y5.79%
EPS Q2Q%7.32%
Revenue 1Y (TTM)14.19%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%13.92%
3.2 Future
CTBI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.75% yearly.
The Revenue is expected to grow by 8.72% on average over the next years. This is quite good.
EPS Next Y18.08%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
EPS Next 5YN/A
Revenue Next Year14.11%
Revenue Next 2Y10.15%
Revenue Next 3Y8.72%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.22 indicates a reasonable valuation of CTBI.
Compared to the rest of the industry, the Price/Earnings ratio of CTBI indicates a somewhat cheap valuation: CTBI is cheaper than 72.12% of the companies listed in the same industry.
CTBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
Based on the Price/Forward Earnings ratio of 9.22, the valuation of CTBI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CTBI indicates a somewhat cheap valuation: CTBI is cheaper than 63.68% of the companies listed in the same industry.
CTBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 9.22 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CTBI is valued a bit cheaper than the industry average as 72.38% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)1.77
EPS Next 2Y11.48%
EPS Next 3Y9.75%
5. Dividend
5.1 Amount
CTBI has a Yearly Dividend Yield of 4.06%, which is a nice return.
Compared to an average industry Dividend Yield of 3.53, CTBI pays a bit more dividend than its industry peers.
CTBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
5.2 History
The dividend of CTBI has a limited annual growth rate of 4.65%.
CTBI has paid a dividend for at least 10 years, which is a reliable track record.
CTBI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.65%
Div Incr Years31
Div Non Decr Years31
5.3 Sustainability
36.96% of the earnings are spent on dividend by CTBI. This is a low number and sustainable payout ratio.
The dividend of CTBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.96%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
52.83
+0.64 (+1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.99%
Inst Owner Change0.02%
Ins Owners1.22%
Ins Owner Change0.46%
Market Cap956.75M
Revenue(TTM)273.56M
Net Income(TTM)91.51M
Analysts84.44
Price Target64.26 (21.64%)
Short Float %0.79%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend1.85
Dividend Growth(5Y)4.65%
DP36.96%
Div Incr Years31
Div Non Decr Years31
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.87%
Min EPS beat(2)0.79%
Max EPS beat(2)6.95%
EPS beat(4)4
Avg EPS beat(4)3.87%
Min EPS beat(4)0.79%
Max EPS beat(4)6.95%
EPS beat(8)7
Avg EPS beat(8)3.56%
EPS beat(12)8
Avg EPS beat(12)1.32%
EPS beat(16)11
Avg EPS beat(16)1.96%
Revenue beat(2)1
Avg Revenue beat(2)0.57%
Min Revenue beat(2)-0.08%
Max Revenue beat(2)1.23%
Revenue beat(4)2
Avg Revenue beat(4)0.38%
Min Revenue beat(4)-0.76%
Max Revenue beat(4)1.23%
Revenue beat(8)5
Avg Revenue beat(8)0.56%
Revenue beat(12)5
Avg Revenue beat(12)-0.24%
Revenue beat(16)6
Avg Revenue beat(16)-0.34%
PT rev (1m)0%
PT rev (3m)11.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.23%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.64%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)2.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 9.22 | ||
| P/S | 3.61 | ||
| P/FCF | 9.31 | ||
| P/OCF | 8.57 | ||
| P/B | 1.19 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.17
EY9.79%
EPS(NY)5.73
Fwd EY10.84%
FCF(TTM)5.68
FCFY10.74%
OCF(TTM)6.16
OCFY11.67%
SpS14.62
BVpS44.55
TBVpS40.55
PEG (NY)0.57
PEG (5Y)1.77
Graham Number71.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 11.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.55% | ||
| GM | N/A | ||
| FCFM | 38.82% |
ROA(3y)1.4%
ROA(5y)1.4%
ROE(3y)11.69%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.37%
PM growth 5Y0.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 192.95% | ||
| Cap/Sales | 3.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.47%
ROIC/WACCN/A
Cap/Depr(3y)132.95%
Cap/Depr(5y)95.03%
Cap/Sales(3y)2.91%
Cap/Sales(5y)2.1%
Profit Quality(3y)111.12%
Profit Quality(5y)112.92%
High Growth Momentum
Growth
EPS 1Y (TTM)17.5%
EPS 3Y-2.28%
EPS 5Y5.79%
EPS Q2Q%7.32%
EPS Next Y18.08%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
EPS Next 5YN/A
Revenue 1Y (TTM)14.19%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%13.92%
Revenue Next Year14.11%
Revenue Next 2Y10.15%
Revenue Next 3Y8.72%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.68%
FCF growth 3Y-5.02%
FCF growth 5Y3.72%
OCF growth 1Y18.6%
OCF growth 3Y-3.13%
OCF growth 5Y4.72%
COMMUNITY TRUST BANCORP INC / CTBI FAQ
What is the ChartMill fundamental rating of COMMUNITY TRUST BANCORP INC (CTBI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CTBI.
What is the valuation status of COMMUNITY TRUST BANCORP INC (CTBI) stock?
ChartMill assigns a valuation rating of 6 / 10 to COMMUNITY TRUST BANCORP INC (CTBI). This can be considered as Fairly Valued.
What is the profitability of CTBI stock?
COMMUNITY TRUST BANCORP INC (CTBI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CTBI stock?
The Price/Earnings (PE) ratio for COMMUNITY TRUST BANCORP INC (CTBI) is 10.22 and the Price/Book (PB) ratio is 1.19.
What is the financial health of COMMUNITY TRUST BANCORP INC (CTBI) stock?
The financial health rating of COMMUNITY TRUST BANCORP INC (CTBI) is 2 / 10.