Community Trust Bancorp, Inc.
CTBI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.4B
$77.76
▲ +0.35%
P/E
13.03
Mkt Cap
$1.4B
52-Wk Range
$50.25–$79.92
52-Week Range
$50.25 - $79.92
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 33.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 120+ year heritage and deep community relationships in Appalachian region
- Extensive branch network with 79 locations providing local market presence and accessibility
- Diversified revenue streams from lending, deposits, trust services, and wealth management
- Local decision-making authority enabling faster credit decisions and personalized service
- Established trust and estate administration capabilities across five trust offices
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Expansion of digital banking services and mobile platforms to retain younger customers
Value
Valued in line with Commercial Banking peers (1.0x).
Momentum
Strong
+13.8% over 3m
Quality
Excellent
High-growth business (60% revenue growth, 69% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.73% yield
Smart-money signal
Who's buying CTBI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 21, 2026
JUL 15, 2026
Reported EPS of $1.64 vs $1.52 consensus (+7.9% surprise). Revenue of $78.5M vs $76.8M expected (+2.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+7.9%
Revenue trend · last 8Q
—
—
+13%
+14%
+14%
+14%
+56%
+7%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$62.8M
$65.7M
$66.2M
$70.2M
$104.5M
$106.1M
$103.2M
$108.8M
Margins · last 8Q
Gross
69.6%
Operating
35.2%
Profit
27.2%
Wall Street consensus
2 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: Raymond James · Sep 1, 2026
vs Industry
How CTBI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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