Logo image of CTBI

COMMUNITY TRUST BANCORP INC (CTBI) Stock Fundamental Analysis

NASDAQ:CTBI - Nasdaq - US2041491083 - Common Stock - Currency: USD

50.46  +1.06 (+2.15%)

After market: 50.46 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CTBI. CTBI was compared to 398 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. Finally CTBI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
Each year in the past 5 years CTBI had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.34%, CTBI belongs to the top of the industry, outperforming 86.93% of the companies in the same industry.
With a decent Return On Equity value of 10.93%, CTBI is doing good in the industry, outperforming 75.88% of the companies in the same industry.
Industry RankSector Rank
ROA 1.34%
ROE 10.93%
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
CTBI Yearly ROA, ROE, ROICCTBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CTBI's Profit Margin of 33.32% is amongst the best of the industry. CTBI outperforms 89.20% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 33.32%
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
CTBI Yearly Profit, Operating, Gross MarginsCTBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

1

2. Health

2.1 Basic Checks

CTBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CTBI has more shares outstanding
The number of shares outstanding for CTBI has been increased compared to 5 years ago.
Compared to 1 year ago, CTBI has an improved debt to assets ratio.
CTBI Yearly Shares OutstandingCTBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CTBI Yearly Total Debt VS Total AssetsCTBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

CTBI has a debt to FCF ratio of 3.17. This is a good value and a sign of high solvency as CTBI would need 3.17 years to pay back of all of its debts.
CTBI has a worse Debt to FCF ratio (3.17) than 61.56% of its industry peers.
A Debt/Equity ratio of 0.41 indicates that CTBI is not too dependend on debt financing.
CTBI has a worse Debt to Equity ratio (0.41) than 74.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 3.17
Altman-Z N/A
ROIC/WACCN/A
WACC14.85%
CTBI Yearly LT Debt VS Equity VS FCFCTBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

More info and screens

5

3. Growth

3.1 Past

CTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.14%, 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.
The Revenue has grown by 10.39% in the past year. This is quite good.
The Revenue has been growing slightly by 4.96% on average over the past years.
EPS 1Y (TTM)11.14%
EPS 3Y-2.28%
EPS 5Y5.79%
EPS Q2Q%17.31%
Revenue 1Y (TTM)10.39%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%12.67%

3.2 Future

The Earnings Per Share is expected to grow by 8.12% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.11% on average over the next years.
EPS Next Y13.28%
EPS Next 2Y8.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.87%
Revenue Next 2Y7.11%
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.
CTBI Yearly Revenue VS EstimatesCTBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CTBI Yearly EPS VS EstimatesCTBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

CTBI is valuated reasonably with a Price/Earnings ratio of 10.53.
Compared to the rest of the industry, the Price/Earnings ratio of CTBI indicates a somewhat cheap valuation: CTBI is cheaper than 69.10% of the companies listed in the same industry.
CTBI is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.36, which indicates a very decent valuation of CTBI.
CTBI's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.86, CTBI is valued rather cheaply.
Industry RankSector Rank
PE 10.53
Fwd PE 9.36
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

67.84% of the companies in the same industry are more expensive than CTBI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.41
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

CTBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.79
PEG (5Y)1.82
EPS Next 2Y8.12%
EPS Next 3YN/A

More info and screens

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.81%, CTBI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.52, CTBI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, CTBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.81%

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
CTBI Yearly Dividends per shareCTBI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

40.34% of the earnings are spent on dividend by CTBI. This is a bit on the high side, but may be sustainable.
The dividend of CTBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.34%
EPS Next 2Y8.12%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
CTBI Dividend Payout.CTBI Dividend Payout, showing the Payout Ratio.CTBI Dividend Payout.PayoutRetained Earnings

More info and screens

COMMUNITY TRUST BANCORP INC

NASDAQ:CTBI (5/2/2025, 8:00:01 PM)

After market: 50.46 0 (0%)

50.46

+1.06 (+2.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/bmo
Earnings (Next)07-15 2025-07-15/bmo
Inst Owners64.92%
Inst Owner Change0.12%
Ins Owners1.14%
Ins Owner Change5.1%
Market Cap913.33M
Analysts84.44
Price Target57.46 (13.87%)
Short Float %0.8%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 3.81%
Yearly Dividend1.85
Dividend Growth(5Y)4.65%
DP40.34%
Div Incr Years31
Div Non Decr Years31
Ex-Date03-14 2025-03-14 (0.47)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.86%
Min EPS beat(2)2.41%
Max EPS beat(2)5.32%
EPS beat(4)4
Avg EPS beat(4)3.67%
Min EPS beat(4)2.41%
Max EPS beat(4)5.32%
EPS beat(8)5
Avg EPS beat(8)1.94%
EPS beat(12)8
Avg EPS beat(12)1.93%
EPS beat(16)11
Avg EPS beat(16)4.52%
Revenue beat(2)1
Avg Revenue beat(2)0.19%
Min Revenue beat(2)-0.76%
Max Revenue beat(2)1.15%
Revenue beat(4)3
Avg Revenue beat(4)1.67%
Min Revenue beat(4)-0.76%
Max Revenue beat(4)3.76%
Revenue beat(8)4
Avg Revenue beat(8)-0.03%
Revenue beat(12)5
Avg Revenue beat(12)-0.48%
Revenue beat(16)6
Avg Revenue beat(16)-0.4%
PT rev (1m)-6.11%
PT rev (3m)-6.11%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)1.12%
EPS NY rev (3m)4.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.92%
Revenue NY rev (1m)3.27%
Revenue NY rev (3m)3.27%
Valuation
Industry RankSector Rank
PE 10.53
Fwd PE 9.36
P/S 3.67
P/FCF 9.41
P/OCF 8.68
P/B 1.21
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)4.79
EY9.49%
EPS(NY)5.39
Fwd EY10.68%
FCF(TTM)5.36
FCFY10.63%
OCF(TTM)5.81
OCFY11.52%
SpS13.73
BVpS41.86
TBVpS37.83
PEG (NY)0.79
PEG (5Y)1.82
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 10.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.32%
GM N/A
FCFM 39.06%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 3.17
Debt/EBITDA N/A
Cap/Depr 161.46%
Cap/Sales 3.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.85%
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)11.14%
EPS 3Y-2.28%
EPS 5Y5.79%
EPS Q2Q%17.31%
EPS Next Y13.28%
EPS Next 2Y8.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.39%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%12.67%
Revenue Next Year10.87%
Revenue Next 2Y7.11%
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 1Y22.27%
FCF growth 3Y-5.02%
FCF growth 5Y3.72%
OCF growth 1Y22.68%
OCF growth 3Y-3.13%
OCF growth 5Y4.72%