COMMUNITY TRUST BANCORP INC (CTBI) Fundamental Analysis & Valuation

NASDAQ:CTBI • US2041491083

Current stock price

58.59 USD
-0.34 (-0.58%)
At close:
58.59 USD
0 (0%)
After Hours:

This CTBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CTBI Profitability Analysis

1.1 Basic Checks

  • CTBI had positive earnings in the past year.
  • CTBI had a positive operating cash flow in the past year.
  • CTBI had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • CTBI has a better Return On Assets (1.47%) than 86.09% of its industry peers.
  • CTBI has a Return On Equity of 11.45%. This is in the better half of the industry: CTBI outperforms 76.12% of its industry peers.
Industry RankSector Rank
ROA 1.47%
ROE 11.45%
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
CTBI Yearly ROA, ROE, ROICCTBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CTBI (34.70%) is better than 89.76% of its industry peers.
  • In the last couple of years the Profit Margin of CTBI has grown nicely.
  • 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) 34.7%
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
CTBI Yearly Profit, Operating, Gross MarginsCTBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CTBI Health Analysis

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.
  • The number of shares outstanding for CTBI has been increased compared to 5 years ago.
  • CTBI has a worse debt/assets ratio than last year.
CTBI Yearly Shares OutstandingCTBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CTBI Yearly Total Debt VS Total AssetsCTBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • CTBI has a debt to FCF ratio of 3.88. This is a good value and a sign of high solvency as CTBI would need 3.88 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.88, CTBI is not doing good in the industry: 64.30% of the companies in the same industry are doing better.
  • CTBI has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.44, CTBI is not doing good in the industry: 73.75% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 3.88
Altman-Z N/A
ROIC/WACCN/A
WACC14.3%
CTBI Yearly LT Debt VS Equity VS FCFCTBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CTBI Growth Analysis

3.1 Past

  • CTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.79%, which is quite good.
  • Measured over the past years, CTBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.14% on average per year.
  • CTBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.69%.
  • Measured over the past years, CTBI shows a small growth in Revenue. The Revenue has been growing by 6.57% on average per year.
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 6.34% on average per year.
  • Based on estimates for the next years, CTBI will show a small growth in Revenue. The Revenue will grow by 5.50% on average per year.
EPS Next Y8.67%
EPS Next 2Y6.34%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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.
CTBI Yearly Revenue VS EstimatesCTBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CTBI Yearly EPS VS EstimatesCTBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. CTBI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.79, the valuation of CTBI can be described as very reasonable.
  • CTBI's Price/Earnings ratio is a bit cheaper when compared to the industry. CTBI is cheaper than 60.10% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CTBI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.93, the valuation of CTBI can be described as very reasonable.
  • CTBI's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. CTBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.79
Fwd PE 9.93
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as CTBI.
Industry RankSector Rank
P/FCF 10.92
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.24
PEG (5Y)1.06
EPS Next 2Y6.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CTBI Dividend Analysis

5.1 Amount

  • CTBI has a Yearly Dividend Yield of 3.60%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.80, 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 1.89.
Industry RankSector Rank
Dividend Yield 3.6%

5.2 History

  • The dividend of CTBI has a limited annual growth rate of 5.50%.
  • 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)5.5%
Div Incr Years31
Div Non Decr Years31
CTBI Yearly Dividends per shareCTBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • CTBI pays out 36.69% of its income as dividend. This is a sustainable payout ratio.
  • CTBI's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP36.69%
EPS Next 2Y6.34%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CTBI Dividend Payout.CTBI Dividend Payout, showing the Payout Ratio.CTBI Dividend Payout.PayoutRetained Earnings

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CTBI Fundamentals: All Metrics, Ratios and Statistics

COMMUNITY TRUST BANCORP INC

NASDAQ:CTBI (3/20/2026, 8:00:01 PM)

After market: 58.59 0 (0%)

58.59

-0.34 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-14
Inst Owners65.23%
Inst Owner Change0.53%
Ins Owners1.28%
Ins Owner Change3.75%
Market Cap1.06B
Revenue(TTM)282.59M
Net Income(TTM)98.06M
Analysts82.5
Price Target70.38 (20.12%)
Short Float %0.97%
Short Ratio2.32
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend1.99
Dividend Growth(5Y)5.5%
DP36.69%
Div Incr Years31
Div Non Decr Years31
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.28%
Min EPS beat(2)-6.45%
Max EPS beat(2)3.89%
EPS beat(4)3
Avg EPS beat(4)1.3%
Min EPS beat(4)-6.45%
Max EPS beat(4)6.95%
EPS beat(8)7
Avg EPS beat(8)2.48%
EPS beat(12)8
Avg EPS beat(12)1.73%
EPS beat(16)11
Avg EPS beat(16)1.77%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-1.01%
Revenue beat(4)1
Avg Revenue beat(4)-0.57%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)1.23%
Revenue beat(8)4
Avg Revenue beat(8)0.55%
Revenue beat(12)5
Avg Revenue beat(12)-0.21%
Revenue beat(16)6
Avg Revenue beat(16)-0.51%
PT rev (1m)0%
PT rev (3m)11.89%
EPS NQ rev (1m)-1.07%
EPS NQ rev (3m)3.62%
EPS NY rev (1m)-1.11%
EPS NY rev (3m)3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 10.79
Fwd PE 9.93
P/S 3.76
P/FCF 10.92
P/OCF 10.13
P/B 1.24
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)5.43
EY9.27%
EPS(NY)5.9
Fwd EY10.07%
FCF(TTM)5.37
FCFY9.16%
OCF(TTM)5.78
OCFY9.87%
SpS15.57
BVpS47.17
TBVpS43.19
PEG (NY)1.24
PEG (5Y)1.06
Graham Number75.91
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 11.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.7%
GM N/A
FCFM 34.46%
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 RankSector Rank
Debt/Equity 0.44
Debt/FCF 3.88
Debt/EBITDA N/A
Cap/Depr 183.74%
Cap/Sales 2.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.3%
ROIC/WACCN/A
Cap/Depr(3y)187.27%
Cap/Depr(5y)145.81%
Cap/Sales(3y)2.89%
Cap/Sales(5y)2.5%
Profit Quality(3y)106.23%
Profit Quality(5y)112.38%
High Growth Momentum
Growth
EPS 1Y (TTM)17.79%
EPS 3Y5.76%
EPS 5Y10.14%
EPS Q2Q%20.8%
EPS Next Y8.67%
EPS Next 2Y6.34%
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 1Y0.14%
FCF growth 3Y1.37%
FCF growth 5Y9.84%
OCF growth 1Y-0.32%
OCF growth 3Y1.74%
OCF growth 5Y10.97%

COMMUNITY TRUST BANCORP INC / CTBI Fundamental Analysis 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 36.69%.