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Community Trust Bancorp, Inc.

Data quality: 100%
CTBI
NASDAQ Financial Services Banks - Regional
$59.85
▲ $1.26 (2.15%)
Mkt Cap: 1.09B
Day Range
$57.18 $60.92
52-Week Range
$44.60 $65.79
Volume
114,438
50D / 200D Avg
$61.14 / $56.72
Prev Close
$58.59

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 11.1 10.3
P/B 1.3 1.1
ROE % 12.2 11.7
Net Margin % 24.0 16.8
Rev Growth 5Y % 14.4 11.7
D/E 0.5 0.5

Analyst Price Target

Hold
$61.00 +1.9%
Forward P/E
10.4
Forward EPS
$5.79
EPS Growth (est.)
+0.0%
Est. Revenue
300 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $6.02
$6.00 – $6.04
320 M 2
FY2026 $5.79
$5.70 – $5.86
300 M 2

Key Takeaways

Revenue grew 14.44% annually over 5 years — strong growth
Earnings grew 18.41% over the past year
ROE of 12.15% — decent returns on equity
Net margin of 23.96% shows strong profitability
Debt/Equity of 0.46 — conservative balance sheet
Generating 97.39M in free cash flow

Growth

Revenue Growth (5Y)
14.44%
Revenue (1Y)8.86%
Earnings (1Y)18.41%
FCF Growth (3Y)10.74%

Quality

Return on Equity
12.15%
ROIC7.65%
Net Margin23.96%
Op. Margin31.05%

Safety

Debt / Equity
0.46
Current Ratio0.91
Interest Coverage1.00

Valuation

P/E Ratio
11.08
P/B Ratio1.27
EV/EBITDA11.12
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 8.86% Revenue Growth (3Y) 12.00%
Earnings Growth (1Y) 18.41% Earnings Growth (3Y) 12.12%
Revenue Growth (5Y) 14.44% Earnings Growth (5Y) 2.76%
Profitability
Revenue (TTM) 409.34M Net Income (TTM) 98.06M
ROE 12.15% ROA 1.47%
Gross Margin 66.71% Operating Margin 31.05%
Net Margin 23.96% Free Cash Flow (TTM) 97.39M
ROIC 7.65% FCF Growth (3Y) 10.74%
Safety
Debt / Equity 0.46 Current Ratio 0.91
Interest Coverage 1.00 Dividend Yield 0.04%
Valuation
P/E Ratio 11.08 P/B Ratio 1.27
P/S Ratio 2.65 PEG Ratio 0.58
EV/EBITDA 11.12 Dividend Yield 0.04%
Market Cap 1.09B Enterprise Value 1.41B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 409.34M 376.01M 326.31M 255.66M 238.63M
Net Income 98.06M 82.81M 78.00M 81.81M 87.94M
EPS (Diluted) 5.43 4.61 4.36 4.58 4.94
Gross Profit 273.07M 237.61M 223.96M 222.11M 229.93M
Operating Income 127.09M 106.69M 98.57M 101.04M 110.64M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6.68B 6.19B 5.77B 5.38B 5.42B
Total Liabilities 5.83B 5.44B 5.07B 4.75B 4.72B
Shareholders' Equity 856.07M 757.58M 702.21M 628.05M 698.20M
Total Debt 389.79M 320.19M 306.71M 291.76M 342.81M
Cash & Equivalents 62.85M 369.75M 271.65M 128.93M 312.00M
Current Assets 5.20B 1.45B 1.46B 1.40B 1.78B
Current Liabilities 5.70B 5.32B 4.96B 4.64B 4.62B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#814 of 1024
30
#276 of 326
35

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026