CTBI Fundamental Analysis - COMMUNITY TRUST BANCORP INC

Fundamental Rating

Taking everything into account, CTBI scores 4 out of 10 in our fundamental rating. CTBI was compared to 395 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.

In the past 5 years CTBI has always been profitable.

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

1.2 Ratios

CTBI has a Return On Assets of 1.43%. This is amongst the best in the industry. CTBI outperforms 87.59% of its industry peers.

Looking at the Return On Equity, with a value of 11.34%, CTBI is in the better half of the industry, outperforming 78.48% of the companies in the same industry.

		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

CTBI has a better Profit Margin (34.55%) than 91.39% of its industry peers.

In the last couple of years the Profit Margin of CTBI has remained more or less at the same level.

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.

CTBI has more shares outstanding than it did 1 year ago.

The number of shares outstanding for CTBI has been increased compared to 5 years ago.

The debt/assets ratio for CTBI has been reduced compared to a year ago.

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 of 2.85. This is comparable to the rest of the industry: CTBI outperforms 40.25% of its industry peers.

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: 73.16% 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

WACC14.21%

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

The Earnings Per Share has grown by an nice 17.59% over the past year.

The Earnings Per Share has been growing slightly by 5.79% on average over the past years.

CTBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.48%.

The Revenue has been growing slightly by 4.96% on average over the past years.

EPS 1Y (TTM)17.59%

EPS 3Y-2.28%

EPS 5Y5.79%

EPS Q2Q%26.61%

Revenue 1Y (TTM)12.48%

Revenue growth 3Y3.59%

Revenue growth 5Y4.96%

Sales Q2Q%14.38%

3.2 Future

The Earnings Per Share is expected to grow by 10.55% on average over the next years. This is quite good.

The Revenue is expected to grow by 8.89% on average over the next years. This is quite good.

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

Based on the Price/Earnings ratio of 11.46, the valuation of CTBI can be described as reasonable.

Based on the Price/Earnings ratio, CTBI is valued a bit cheaper than 66.08% 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 26.84.

Based on the Price/Forward Earnings ratio of 10.33, the valuation of CTBI can be described as reasonable.

CTBI's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of CTBI to the average of the S&P500 Index (22.48), we can say CTBI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.46
Fwd PE	10.33

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CTBI is valued a bit cheaper than 68.35% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.26
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.62

PEG (5Y)1.98

EPS Next 2Y10.55%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CTBI has a Yearly Dividend Yield of 3.62%.

Compared to an average industry Dividend Yield of 3.17, 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 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.62%

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

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 (9/3/2025, 8:07:51 PM)

After market: 58.22 0 (0%)

58.22

-0.08 (-0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16/bmo

Earnings (Next)10-14 2025-10-14/bmo

Inst Owners65.06%

Inst Owner Change-0.31%

Ins Owners1.23%

Ins Owner Change1.82%

Market Cap1.05B

Analysts85

Price Target64.26 (10.37%)

Short Float %0.83%

Short Ratio2.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.62%

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)11.5%

PT rev (3m)11.83%

EPS NQ rev (1m)-0.12%

EPS NQ rev (3m)5.6%

EPS NY rev (1m)5.31%

EPS NY rev (3m)4.49%

Revenue NQ rev (1m)-0.21%

Revenue NQ rev (3m)4.86%

Revenue NY rev (1m)-0.16%

Revenue NY rev (3m)2.42%

Valuation

		Industry Rank	Sector Rank
PE	11.46
Fwd PE	10.33
P/S	3.98
P/FCF	10.26
P/OCF	9.45
P/B	1.31
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)5.08

EY8.73%

EPS(NY)5.63

Fwd EY9.68%

FCF(TTM)5.68

FCFY9.75%

OCF(TTM)6.16

OCFY10.59%

SpS14.62

BVpS44.55

TBVpS40.55

PEG (NY)0.62

PEG (5Y)1.98

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	163.12%
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

WACC14.21%

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)17.59%

EPS 3Y-2.28%

EPS 5Y5.79%

EPS Q2Q%26.61%

EPS Next Y18.37%

EPS Next 2Y10.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)12.48%

Revenue growth 3Y3.59%

Revenue growth 5Y4.96%

Sales Q2Q%14.38%

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

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