Community Trust Bancorp Inc (CTBI)

Price$65.96

Favorite Metrics

Price vs S&P 500 (26W)16.98%

Price vs S&P 500 (4W)4.93%

Market Capitalization$1.21B

P/E Ratio (Annual)12.38x

Indicated Dividend Yield (Annual)3.16%

All Metrics

P/CF (Annual)11.56x

Book Value / Share (Quarterly)$47.26

P/TBV (Annual)1.21x

Indicated Dividend (Annual)$2.12

Revenue Growth (3Y)2.17%

Cash Flow / Share (Quarterly)$5.38

Payout Ratio (TTM)36.69%

Price vs S&P 500 (YTD)14.52%

Net Profit Margin (TTM)35.45%

EPS (TTM)$5.43

10-Day Avg Trading Volume0.12M

EPS Excl Extra (TTM)$5.43

Revenue Growth (5Y)4.90%

EPS (Annual)$5.43

Dividend / Share (Annual)$1.99

ROI (Annual)7.95%

Net Profit Margin (5Y Avg)33.77%

Cash / Share (Quarterly)$3.38

P/E Basic Excl Extra (TTM)12.38x

Revenue Growth QoQ (YoY)40.13%

EPS Growth (5Y)10.21%

P/E Normalized (Annual)12.38x

ROA (Last FY)1.47%

Revenue Growth TTM (YoY)21.26%

EBITD / Share (TTM)$7.27

ROE (5Y Avg)11.82%

Operating Margin (TTM)43.93%

Cash Flow / Share (Annual)$5.38

P/B Ratio1.42x

P/B Ratio (Quarterly)1.20x

Net Income / Employee (Annual)$0

ROA (TTM)1.51%

EPS Growth QoQ (YoY)20.92%

EV / EBITDA (TTM)12.13x

EPS Incl Extra (Annual)$5.43

3-Month Avg Trading Volume0.08M

52-Week Price Return40.96%

EV / Free Cash Flow (Annual)16.34x

P/E Incl Extra (TTM)12.38x

Tangible BV / Share (Quarterly)$46.88

P/S Ratio (Annual)2.77x

52-Week High$68.50

Operating Margin (5Y Avg)40.61%

EPS Excl Extra (Annual)$5.43

CapEx CAGR (5Y)38.35%

Tangible BV CAGR (5Y)5.47%

26-Week Price Return25.73%

13-Week Price Return14.87%

Total Debt / Equity (Annual)0.44x

Enterprise Value$1,591.5

Revenue / Share Growth (5Y)3.84%

Book Value / Share Growth (5Y)5.14%

Revenue / Employee (Annual)$231,769

Pretax Margin (Annual)44.51%

Cash / Share (Annual)$2.86

3-Month Return Std Dev31.93%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)11.66%

EBITDA Interim CAGR (5Y)12.24%

ROE (Last FY)11.45%

EPS Basic Excl Extra (Annual)$5.43

P/FCF (TTM)12.46x

EV / Free Cash Flow (TTM)16.34x

Total Debt / Equity (Quarterly)0.44x

EPS Incl Extra (TTM)$5.43

ROI (TTM)8.49%

Dividend Growth Rate (5Y)5.50%

P/S Ratio (TTM)2.74x

Pretax Margin (5Y Avg)40.61%

Revenue / Share (Annual)$12.72

Tangible BV / Share (Annual)$46.88

Forward P/E10.85x

Free OCF CAGR (5Y)9.84%

Price vs S&P 500 (52W)5.86%

P/E Ratio (TTM)12.38x

EPS Growth TTM (YoY)17.97%

Year-to-Date Return18.65%

5-Day Price Return3.66%

EPS Normalized (Annual)$5.43

ROA (5Y Avg)1.46%

Net Profit Margin (Annual)36.04%

Month-to-Date Return10.41%

Cash Flow / Share (TTM)$4.83

EBITD / Share (Annual)$7.27

EPS Growth (3Y)5.95%

Operating Margin (Annual)44.51%

LT Debt / Equity (Annual)0.07x

P/CF (TTM)11.56x

ROI (5Y Avg)8.23%

P/E Excl Extra (TTM)12.38x

LT Debt / Equity (Quarterly)0.07x

EPS Basic Excl Extra (TTM)$5.43

P/TBV (Quarterly)1.21x

Payout Ratio (Annual)36.69%

P/B Ratio (Annual)1.20x

Dividend / Share (TTM)$1.99

Pretax Margin (TTM)43.93%

Book Value / Share (Annual)$47.26

Price vs S&P 500 (13W)12.01%

Net Margin Growth (5Y)6.60%

Dividend Yield (TTM)2.96%

Beta0.61x

P/FCF (Annual)12.46x

Revenue / Share (TTM)$12.85

ROE (TTM)11.96%

52-Week Low$46.33

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.22

4.14

4.13

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
CTBICommunity Trust Bancorp Inc	1.20x	11.96%	1.51%	—	$65.96
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.28
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$76.78
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$135.37
FITBFifth Third Bancorp	1.23x	8.86%	0.93%	—	$50.98
FITBIFifth Third Bancorp Depositary Shares	1.23x	8.86%	0.93%	—	$25.31
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.23x	8.86%	0.93%	—	$25.88
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.23x	8.86%	0.93%	—	$19.50
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.23x	8.86%	0.93%	—	$24.18
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.19
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.73

About

Community Trust Bancorp Inc is a regional bank holding company offering full-service commercial banking, personal banking, and wealth management to small and mid-sized communities in Kentucky, West Virginia, and Tennessee. The company operates a single community banking segment, providing deposit products, loans, cash management services, and trust and wealth management offerings.