56.12 USD
+1.14 (+2.07%)
56.12 USD
0 (0%)
Taking everything into account, CTBI scores 4 out of 10 in our fundamental rating. CTBI was compared to 387 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 decent growth rate and is not valued too expensively. Finally CTBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CTBI had positive earnings in the past year.
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.
1.2 Ratios
CTBI has a better Return On Assets (1.41%) than 86.56% of its industry peers.
With a decent Return On Equity value of 11.22%, CTBI is doing good in the industry, outperforming 76.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 11.22% | ||
| 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 (34.10%) than 89.41% of its industry peers.
CTBI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CTBI so they could not be analyzed.
| 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-5.37%
PM growth 5Y0.16%
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.
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.
The debt/assets ratio for CTBI has been reduced compared to a year ago.
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 has a worse Debt to FCF ratio (3.41) than 62.02% of its industry peers.
A Debt/Equity ratio of 0.43 indicates that CTBI is not too dependend on debt financing.
CTBI has a worse Debt to Equity ratio (0.43) than 74.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 3.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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.
Looking at the last year, CTBI shows a quite strong growth in Revenue. The Revenue has grown by 14.19% in the last year.
CTBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.96% yearly.
EPS 1Y (TTM)17.5%
EPS 3Y-2.28%
EPS 5Y5.79%
EPS Q2Q%7.32%
Revenue 1Y (TTM)14.19%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%13.92%
3.2 Future
The Earnings Per Share is expected to grow by 9.75% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.72% on average over the next years. This is quite good.
EPS Next Y18.08%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
EPS Next 5YN/A
Revenue Next Year14.11%
Revenue Next 2Y10.15%
Revenue Next 3Y8.72%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.85 indicates a reasonable valuation of CTBI.
Compared to the rest of the industry, the Price/Earnings ratio of CTBI indicates a somewhat cheap valuation: CTBI is cheaper than 65.37% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CTBI to the average of the S&P500 Index (25.98), we can say CTBI is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.80, the valuation of CTBI can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CTBI is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of CTBI to the average of the S&P500 Index (35.79), we can say CTBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
CTBI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CTBI is cheaper than 67.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.8 | ||
| 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)0.6
PEG (5Y)1.88
EPS Next 2Y11.48%
EPS Next 3Y9.75%
5. Dividend
5.1 Amount
CTBI has a Yearly Dividend Yield of 3.96%.
CTBI's Dividend Yield is a higher than the industry average which is at 3.33.
CTBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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
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 2Y11.48%
EPS Next 3Y9.75%
56.12
+1.14 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.99%
Inst Owner Change0.36%
Ins Owners1.22%
Ins Owner Change0.46%
Market Cap1.02B
Revenue(TTM)273.56M
Net Income(TTM)93.28M
Analysts84.44
Price Target62.9 (12.08%)
Short Float %0.92%
Short Ratio2.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Yearly Dividend1.85
Dividend Growth(5Y)4.65%
DP37.41%
Div Incr Years31
Div Non Decr Years31
Ex-Date
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)-2.12%
PT rev (3m)0.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.16%
EPS NY rev (1m)0%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9.8 | ||
| P/S | 3.72 | ||
| P/FCF | 9.8 | ||
| P/OCF | 9.04 | ||
| P/B | 1.22 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.17
EY9.21%
EPS(NY)5.73
Fwd EY10.21%
FCF(TTM)5.73
FCFY10.21%
OCF(TTM)6.21
OCFY11.06%
SpS15.1
BVpS45.88
TBVpS41.89
PEG (NY)0.6
PEG (5Y)1.88
Graham Number73.06
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)1.4%
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
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-5.37%
PM growth 5Y0.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
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-Score7
WACC14.22%
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 Y18.08%
EPS Next 2Y11.48%
EPS Next 3Y9.75%
EPS Next 5YN/A
Revenue 1Y (TTM)14.19%
Revenue growth 3Y3.59%
Revenue growth 5Y4.96%
Sales Q2Q%13.92%
Revenue Next Year14.11%
Revenue Next 2Y10.15%
Revenue Next 3Y8.72%
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 1Y20.41%
FCF growth 3Y-5.02%
FCF growth 5Y3.72%
OCF growth 1Y20.79%
OCF growth 3Y-3.13%
OCF growth 5Y4.72%
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.
What is the valuation status of COMMUNITY TRUST BANCORP INC (CTBI) stock?
ChartMill assigns a valuation rating of 6 / 10 to COMMUNITY TRUST BANCORP INC (CTBI). This can be considered as Fairly Valued.
What is the profitability of CTBI stock?
COMMUNITY TRUST BANCORP INC (CTBI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CTBI stock?
The Price/Earnings (PE) ratio for COMMUNITY TRUST BANCORP INC (CTBI) is 10.85 and the Price/Book (PB) ratio is 1.22.
What is the financial health of COMMUNITY TRUST BANCORP INC (CTBI) stock?
The financial health rating of COMMUNITY TRUST BANCORP INC (CTBI) is 1 / 10.