56.415 USD
-0.09 (-0.15%)
56.415 USD
0 (0%)
Taking everything into account, CTBI scores 4 out of 10 in our fundamental rating. CTBI was compared to 387 industry peers in the Banks industry. CTBI has a medium profitability rating, but doesn't score so well on its financial health evaluation. CTBI has a correct valuation and a medium growth rate. 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.
In the past 5 years CTBI has always been profitable.
CTBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.41%, CTBI belongs to the top of the industry, outperforming 85.79% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.22%, CTBI is in the better half of the industry, outperforming 77.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 11.22% | ||
| 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
CTBI has a better Profit Margin (34.10%) than 88.89% of its industry peers.
CTBI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CTBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.1% | ||
| 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.
The number of shares outstanding for CTBI has been increased compared to 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
The Debt to FCF ratio of CTBI is 3.41, which is a good value as it means it would take CTBI, 3.41 years of fcf income to pay off all of its debts.
CTBI has a Debt to FCF ratio of 3.41. This is in the lower half of the industry: CTBI underperforms 63.82% of its industry peers.
CTBI has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
CTBI's Debt to Equity ratio of 0.43 is on the low side compared to the rest of the industry. CTBI is outperformed by 73.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 3.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.31%
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.
Measured over the past 5 years, CTBI shows a small growth in Earnings Per Share. The EPS has been growing by 5.79% on average per year.
Looking at the last year, CTBI shows a quite strong growth in Revenue. The Revenue has grown by 14.19% in the last year.
CTBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.96% yearly.
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
Based on estimates for the next years, CTBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.75% on average per year.
Based on estimates for the next years, CTBI will show a quite strong growth in Revenue. The Revenue will grow by 8.72% on average per year.
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 10.91 indicates a reasonable valuation of CTBI.
Based on the Price/Earnings ratio, CTBI is valued a bit cheaper than 68.48% of the companies in the same industry.
CTBI is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.85 indicates a reasonable valuation of CTBI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CTBI is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, CTBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.85 |
4.2 Price Multiples
65.63% of the companies in the same industry are more expensive than CTBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CTBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.6
PEG (5Y)1.89
EPS Next 2Y11.48%
EPS Next 3Y9.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.75%, CTBI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
5.2 History
The dividend of CTBI has a limited annual growth rate of 4.65%.
CTBI has been paying a dividend for at least 10 years, so it has 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
37.41% of the earnings are spent on dividend by CTBI. This is a low number and sustainable payout ratio.
CTBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.41%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
56.415
-0.09 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.02%
Inst Owner Change0%
Ins Owners1.22%
Ins Owner Change-0.29%
Market Cap1.02B
Revenue(TTM)273.56M
Net Income(TTM)93.28M
Analysts84.44
Price Target62.9 (11.5%)
Short Float %0.95%
Short Ratio2.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
Yearly Dividend1.85
Dividend Growth(5Y)4.65%
DP37.41%
Div Incr Years31
Div Non Decr Years31
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.25%
Min EPS beat(2)-6.45%
Max EPS beat(2)6.95%
EPS beat(4)3
Avg EPS beat(4)0.93%
Min EPS beat(4)-6.45%
Max EPS beat(4)6.95%
EPS beat(8)6
Avg EPS beat(8)1.3%
EPS beat(12)8
Avg EPS beat(12)1.47%
EPS beat(16)10
Avg EPS beat(16)1.49%
Revenue beat(2)1
Avg Revenue beat(2)-0.61%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)1.23%
Revenue beat(4)2
Avg Revenue beat(4)-0.04%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)1.23%
Revenue beat(8)4
Avg Revenue beat(8)0.15%
Revenue beat(12)5
Avg Revenue beat(12)-0.43%
Revenue beat(16)6
Avg Revenue beat(16)-0.48%
PT rev (1m)0%
PT rev (3m)-2.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.85 | ||
| P/S | 3.74 | ||
| P/FCF | 9.85 | ||
| P/OCF | 9.09 | ||
| P/B | 1.23 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.17
EY9.16%
EPS(NY)5.73
Fwd EY10.16%
FCF(TTM)5.73
FCFY10.15%
OCF(TTM)6.21
OCFY11%
SpS15.1
BVpS45.88
TBVpS41.89
PEG (NY)0.6
PEG (5Y)1.89
Graham Number73.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 11.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.1% | ||
| GM | N/A | ||
| FCFM | 37.94% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 3.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 201.28% | ||
| Cap/Sales | 3.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 111.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.31%
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 1Y20.41%
FCF growth 3Y-5.02%
FCF growth 5Y3.72%
OCF growth 1Y20.79%
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.
Can you provide the valuation status for COMMUNITY TRUST BANCORP INC?
ChartMill assigns a valuation rating of 6 / 10 to COMMUNITY TRUST BANCORP INC (CTBI). This can be considered as Fairly Valued.
Can you provide the profitability details for COMMUNITY TRUST BANCORP INC?
COMMUNITY TRUST BANCORP INC (CTBI) has a profitability rating of 4 / 10.
Can you provide the financial health for CTBI stock?
The financial health rating of COMMUNITY TRUST BANCORP INC (CTBI) is 1 / 10.
How sustainable is the dividend of COMMUNITY TRUST BANCORP INC (CTBI) stock?
The dividend rating of COMMUNITY TRUST BANCORP INC (CTBI) is 8 / 10 and the dividend payout ratio is 37.41%.