CTBI Fundamental Analysis - COMMUNITY TRUST BANCORP INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CTBI. CTBI was compared to 391 industry peers in the Banks industry. While CTBI is still in line with the averages on profitability rating, there are concerns on its financial health. CTBI is not valued too expensively and it also shows a decent growth rate. Finally CTBI also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year CTBI was profitable.

CTBI had a positive operating cash flow in the past year.

Each year in the past 5 years CTBI has been profitable.

In the past 5 years CTBI always reported a positive cash flow from operatings.

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.

CTBI has a Return On Equity of 11.34%. This is in the better half of the industry: CTBI outperforms 78.52% of its industry peers.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

CTBI has a better debt/assets ratio than last year.

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 (2.85) which is comparable to the rest of the industry.

CTBI has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.36, CTBI is not doing good in the industry: 73.15% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.36
Debt/FCF	2.85
Altman-Z	N/A

ROIC/WACCN/A

WACC14.46%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

Looking at the last year, CTBI shows a small growth in Revenue. The Revenue has grown by 7.71% in the last year.

Measured over the past years, CTBI shows a small growth in Revenue. The Revenue has been growing by 4.96% on average per year.

EPS 1Y (TTM)17.5%

EPS 3Y-2.28%

EPS 5Y5.79%

EPS Q2Q%7.32%

Revenue 1Y (TTM)7.71%

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 10.55% 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 8.89% on average per year.

EPS Next Y18.37%

EPS Next 2Y10.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year13.56%

Revenue Next 2Y8.89%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.16, which indicates a very decent valuation of CTBI.

CTBI's Price/Earnings ratio is a bit cheaper when compared to the industry. CTBI is cheaper than 71.61% of the companies in the same industry.

CTBI is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.

CTBI is valuated reasonably with a Price/Forward Earnings ratio of 9.33.

The rest of the industry has a similar Price/Forward Earnings ratio as CTBI.

CTBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.18.

		Industry Rank	Sector Rank
PE	10.16
Fwd PE	9.33

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CTBI is valued a bit cheaper than 70.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.26
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)0.55

PEG (5Y)1.76

EPS Next 2Y10.55%

EPS Next 3YN/A

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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 3.57, CTBI pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, CTBI pays a better dividend.

		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 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

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 2Y10.55%

EPS Next 3YN/A

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COMMUNITY TRUST BANCORP INC

NASDAQ:CTBI (10/21/2025, 4:00:51 PM)

After market: 52.54 0 (0%)

52.54

-0.41 (-0.77%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-15 2025-10-15/bmo

Earnings (Next)01-13 2026-01-13/bmo

Inst Owners64.99%

Inst Owner Change0.07%

Ins Owners1.22%

Ins Owner Change1.82%

Market Cap951.50M

Analysts84.44

Price Target64.26 (22.31%)

Short Float %0.78%

Short Ratio2.71

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-Date09-15 2025-09-15 (0.53)

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%

EPS NY rev (3m)5.31%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.64%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.65%

Valuation

		Industry Rank	Sector Rank
PE	10.16
Fwd PE	9.33
P/S	3.59
P/FCF	9.26
P/OCF	8.53
P/B	1.18
P/tB	1.3
EV/EBITDA	N/A

EPS(TTM)5.17

EY9.84%

EPS(NY)5.63

Fwd EY10.72%

FCF(TTM)5.68

FCFY10.8%

OCF(TTM)6.16

OCFY11.73%

SpS14.62

BVpS44.55

TBVpS40.55

PEG (NY)0.55

PEG (5Y)1.76

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC14.46%

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 Y18.37%

EPS Next 2Y10.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.71%

Revenue growth 3Y3.59%

Revenue growth 5Y4.96%

Sales Q2Q%13.92%

Revenue Next Year13.56%

Revenue Next 2Y8.89%

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens