COMMUNITY TRUST BANCORP INC (CTBI) Fundamental Analysis & Valuation

NASDAQ:CTBI • US2041491083

Current stock price

58.59 USD
-0.34 (-0.58%)
At close:
58.59 USD
0 (0%)
After Hours:

This CTBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CTBI Profitability Analysis

1.1 Basic Checks

  • In the past year CTBI was profitable.
  • In the past year CTBI had a positive cash flow from operations.
  • Each year in the past 5 years CTBI has been profitable.
  • CTBI had a positive operating cash flow in 4 of the past 5 years.
CTBI Yearly Net Income VS EBIT VS OCF VS FCFCTBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of CTBI (1.41%) is better than 85.30% of its industry peers.
  • CTBI's Return On Equity of 11.22% is fine compared to the rest of the industry. CTBI outperforms 75.33% of its industry peers.
Industry RankSector Rank
ROA 1.41%
ROE 11.22%
ROIC N/A
ROA(3y)1.39%
ROA(5y)1.46%
ROE(3y)11.16%
ROE(5y)11.82%
ROIC(3y)N/A
ROIC(5y)N/A
CTBI Yearly ROA, ROE, ROICCTBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • CTBI's Profit Margin of 34.10% is amongst the best of the industry. CTBI outperforms 88.19% of its industry peers.
  • CTBI's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CTBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.25%
PM growth 5Y3.7%
GM growth 3YN/A
GM growth 5YN/A
CTBI Yearly Profit, Operating, Gross MarginsCTBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CTBI Health Analysis

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.
  • The number of shares outstanding for CTBI has been increased compared to 5 years ago.
  • The debt/assets ratio for CTBI is higher compared to a year ago.
CTBI Yearly Shares OutstandingCTBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CTBI Yearly Total Debt VS Total AssetsCTBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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's Debt to FCF ratio of 3.41 is on the low side compared to the rest of the industry. CTBI is outperformed by 62.20% of its industry peers.
  • A Debt/Equity ratio of 0.43 indicates that CTBI is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.43, CTBI is doing worse than 73.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 3.41
Altman-Z N/A
ROIC/WACCN/A
WACC14.3%
CTBI Yearly LT Debt VS Equity VS FCFCTBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CTBI Yearly Current Assets VS Current LiabilitesCTBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CTBI Growth Analysis

3.1 Past

  • CTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.79%, which is quite good.
  • Measured over the past years, CTBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.14% on average per year.
  • The Revenue has grown by 13.69% in the past year. This is quite good.
  • Measured over the past years, CTBI shows a small growth in Revenue. The Revenue has been growing by 6.57% on average per year.
EPS 1Y (TTM)17.79%
EPS 3Y5.76%
EPS 5Y10.14%
EPS Q2Q%20.8%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y7.58%
Revenue growth 5Y6.57%
Sales Q2Q%13.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.34% on average over the next years.
  • The Revenue is expected to grow by 5.50% on average over the next years.
EPS Next Y8.67%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.71%
Revenue Next 2Y5.5%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CTBI Yearly Revenue VS EstimatesCTBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CTBI Yearly EPS VS EstimatesCTBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. CTBI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.79, the valuation of CTBI can be described as very reasonable.
  • CTBI's Price/Earnings ratio is a bit cheaper when compared to the industry. CTBI is cheaper than 60.63% of the companies in the same industry.
  • CTBI is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • CTBI is valuated reasonably with a Price/Forward Earnings ratio of 9.93.
  • CTBI's Price/Forward Earnings is on the same level as the industry average.
  • CTBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 10.79
Fwd PE 9.93
CTBI Price Earnings VS Forward Price EarningsCTBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CTBI is valued a bit cheaper than 63.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.25
EV/EBITDA N/A
CTBI Per share dataCTBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.24
PEG (5Y)1.06
EPS Next 2Y6.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. CTBI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.59%, CTBI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, CTBI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, CTBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.59%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.65%
Div Incr Years31
Div Non Decr Years31
CTBI Yearly Dividends per shareCTBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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 2Y6.34%
EPS Next 3YN/A
CTBI Yearly Income VS Free CF VS DividendCTBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CTBI Dividend Payout.CTBI Dividend Payout, showing the Payout Ratio.CTBI Dividend Payout.PayoutRetained Earnings

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CTBI Fundamentals: All Metrics, Ratios and Statistics

COMMUNITY TRUST BANCORP INC

NASDAQ:CTBI (3/20/2026, 8:00:01 PM)

After market: 58.59 0 (0%)

58.59

-0.34 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-14
Inst Owners65.23%
Inst Owner Change0.53%
Ins Owners1.28%
Ins Owner Change3.72%
Market Cap1.06B
Revenue(TTM)282.60M
Net Income(TTM)93.28M
Analysts82.5
Price Target70.38 (20.12%)
Short Float %0.97%
Short Ratio2.32
Dividend
Industry RankSector Rank
Dividend Yield 3.59%
Yearly Dividend1.85
Dividend Growth(5Y)4.65%
DP37.41%
Div Incr Years31
Div Non Decr Years31
Ex-Date03-13
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)11.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.83%
EPS NY rev (1m)-1.11%
EPS NY rev (3m)3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 10.79
Fwd PE 9.93
P/S 3.89
P/FCF 10.25
P/OCF 9.46
P/B 1.28
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)5.43
EY9.27%
EPS(NY)5.9
Fwd EY10.07%
FCF(TTM)5.72
FCFY9.76%
OCF(TTM)6.2
OCFY10.57%
SpS15.07
BVpS45.81
TBVpS41.82
PEG (NY)1.24
PEG (5Y)1.06
Graham Number74.81
Profitability
Industry RankSector 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)1.39%
ROA(5y)1.46%
ROE(3y)11.16%
ROE(5y)11.82%
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-1.25%
PM growth 5Y3.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector 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-Score8
WACC14.3%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.79%
EPS 3Y5.76%
EPS 5Y10.14%
EPS Q2Q%20.8%
EPS Next Y8.67%
EPS Next 2Y6.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y7.58%
Revenue growth 5Y6.57%
Sales Q2Q%13.75%
Revenue Next Year6.71%
Revenue Next 2Y5.5%
Revenue Next 3YN/A
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 1Y7.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.5%
OCF growth 3YN/A
OCF growth 5YN/A

COMMUNITY TRUST BANCORP INC / CTBI Fundamental Analysis 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 5 / 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%.