64.17 USD
+0.18 (+0.28%)
At close: Feb 5, 2026
64.17 USD
0 (0%)
After Hours: 2/5/2026, 8:18:14 PM
CTBI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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 correct valuation and a medium growth rate. Finally CTBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CTBI was profitable.
- CTBI had a positive operating cash flow in the past year.
- In the past 5 years CTBI has always been profitable.
- Of the past 5 years CTBI 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CTBI (1.41%) is better than 85.64% of its industry peers.
- CTBI's Return On Equity of 11.22% is fine compared to the rest of the industry. CTBI outperforms 76.76% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of CTBI (34.10%) is better than 88.51% of its industry peers.
- CTBI's Profit Margin has improved 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) | 34.1% | ||
| 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
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 a worse debt to assets ratio.
2.2 Solvency
- CTBI has a debt to FCF ratio of 3.41. This is a good value and a sign of high solvency as CTBI would need 3.41 years to pay back of all of its debts.
- The Debt to FCF ratio of CTBI (3.41) is worse than 63.97% of its industry peers.
- A Debt/Equity ratio of 0.43 indicates that CTBI is not too dependend on debt financing.
- The Debt to Equity ratio of CTBI (0.43) is worse than 73.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 3.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.79% over the past year.
- CTBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.14% yearly.
- Looking at the last year, CTBI shows a quite strong growth in Revenue. The Revenue has grown by 13.69% in the last year.
- CTBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.57% yearly.
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
- Based on estimates for the next years, CTBI will show a small growth in Earnings Per Share. The EPS will grow by 7.04% on average per year.
- CTBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y6.13%
EPS Next 2Y7.04%
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.82 indicates a reasonable valuation of CTBI.
- Based on the Price/Earnings ratio, CTBI is valued a bit cheaper than 65.01% of the companies in the same industry.
- CTBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
- With a Price/Forward Earnings ratio of 11.13, the valuation of CTBI can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as CTBI.
- CTBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CTBI is valued a bit cheaper than 63.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CTBI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.93
PEG (5Y)1.17
EPS Next 2Y7.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CTBI has a Yearly Dividend Yield of 3.45%. Purely for dividend investing, there may be better candidates out there.
- CTBI's Dividend Yield is a higher than the industry average which is at 2.71.
- Compared to an average S&P500 Dividend Yield of 1.82, CTBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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 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
- 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 2Y7.04%
EPS Next 3YN/A
64.17
+0.18 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2026-01-21/bmo
Earnings (Next)04-14 2026-04-14
Inst Owners65.02%
Inst Owner Change-0.44%
Ins Owners1.22%
Ins Owner Change3.4%
Market Cap1.16B
Revenue(TTM)282.60M
Net Income(TTM)93.28M
Analysts84.44
Price Target62.9 (-1.98%)
Short Float %0.96%
Short Ratio2.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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)0.83%
EPS NQ rev (3m)0.83%
EPS NY rev (1m)0.59%
EPS NY rev (3m)0.59%
Revenue NQ rev (1m)1.16%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 11.13 | ||
| P/S | 4.25 | ||
| P/FCF | 11.2 | ||
| P/OCF | 10.34 | ||
| P/B | 1.4 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.43
EY8.46%
EPS(NY)5.76
Fwd EY8.98%
FCF(TTM)5.73
FCFY8.93%
OCF(TTM)6.21
OCFY9.67%
SpS15.1
BVpS45.88
TBVpS41.89
PEG (NY)1.93
PEG (5Y)1.17
Graham Number74.87
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)1.39%
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 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-Score8
WACC13.86%
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 Y6.13%
EPS Next 2Y7.04%
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 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%.