NASDAQ: CTBI
Community Trust Bancorp Inc Stock

$49.72-1.39 (-2.72%)
Updated Jan 10, 2025
CTBI Price
$49.72
Fair Value Price
$50.88
Market Cap
$897.84M
52 Week Low
$38.44
52 Week High
$61.67
P/E
11.3x
P/B
1.18x
P/S
3.89x
PEG
1.26x
Dividend Yield
3.74%
Revenue
$229.39M
Earnings
$78.98M
Gross Margin
100%
Operating Margin
43.86%
Profit Margin
34.4%
Debt to Equity
6.84
Operating Cash Flow
$103M
Beta
0.91
Next Earnings
Jan 15, 2025
Ex-Dividend
N/A
Next Dividend
N/A

CTBI Overview

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CTBI's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Value
D
Growth
B
Momentum
B
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
CTBI
Ranked
#74 of 337

Top Ranked Stocks in Industry

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CTBI News

Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CTBI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CTBI ($49.72) is undervalued by 2.29% relative to our estimate of its Fair Value price of $50.88 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CTBI ($49.72) is not significantly undervalued (2.29%) relative to our estimate of its Fair Value price of $50.88 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CTBI ($49.72) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CTBI due diligence checks available for Premium users.

Valuation

CTBI fair value

Fair Value of CTBI stock based on Discounted Cash Flow (DCF)

Price
$49.72
Fair Value
$50.88
Undervalued by
2.29%
CTBI ($49.72) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CTBI ($49.72) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CTBI ($49.72) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CTBI price to earnings (PE)

For valuing profitable companies with steady earnings

Company
11.3x
Industry
32.42x
Market
30.06x
CTBI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CTBI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CTBI price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.18x
Industry
1.06x
CTBI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CTBI price to earnings growth (PEG)

For valuing profitable companies with growth potential

CTBI is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

CTBI's financial health

Profit margin

Revenue
$60.0M
Net Income
$22.1M
Profit Margin
36.9%
CTBI's Earnings (EBIT) of $100.61M... subscribe to Premium to read more.
Interest Coverage Financials
CTBI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$6.0B
Liabilities
$5.2B
Debt to equity
6.84
CTBI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CTBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$36.7M
Investing
-$60.0M
Financing
$102.6M
CTBI's operating cash flow ($102.73M)... subscribe to Premium to read more.
Debt Coverage Financials

CTBI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CTBIC$897.84M-2.72%11.30x1.18x
TMPC$906.80M-4.70%13.55x1.26x
SBSIC$908.65M-2.50%10.82x1.13x
BFCC$938.33M-3.04%11.51x1.49x
PFC$853.38M-3.68%12.09x0.84x

Community Trust Bancorp Stock FAQ

What is Community Trust Bancorp's quote symbol?

(NASDAQ: CTBI) Community Trust Bancorp trades on the NASDAQ under the ticker symbol CTBI. Community Trust Bancorp stock quotes can also be displayed as NASDAQ: CTBI.

If you're new to stock investing, here's how to buy Community Trust Bancorp stock.

What is the 52 week high and low for Community Trust Bancorp (NASDAQ: CTBI)?

(NASDAQ: CTBI) Community Trust Bancorp's 52-week high was $61.67, and its 52-week low was $38.44. It is currently -19.37% from its 52-week high and 29.34% from its 52-week low.

How much is Community Trust Bancorp stock worth today?

(NASDAQ: CTBI) Community Trust Bancorp currently has 18,057,923 outstanding shares. With Community Trust Bancorp stock trading at $49.72 per share, the total value of Community Trust Bancorp stock (market capitalization) is $897.84M.

Community Trust Bancorp stock was originally listed at a price of $17.57 in Dec 31, 1997. If you had invested in Community Trust Bancorp stock at $17.57, your return over the last 27 years would have been 182.95%, for an annualized return of 3.93% (not including any dividends or dividend reinvestments).

How much is Community Trust Bancorp's stock price per share?

(NASDAQ: CTBI) Community Trust Bancorp stock price per share is $49.72 today (as of Jan 10, 2025).

What is Community Trust Bancorp's Market Cap?

(NASDAQ: CTBI) Community Trust Bancorp's market cap is $897.84M, as of Jan 13, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Community Trust Bancorp's market cap is calculated by multiplying CTBI's current stock price of $49.72 by CTBI's total outstanding shares of 18,057,923.
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