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Community Trust Bancorp, Inc.
CTBI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.3B
$72.75
▼ -1.78%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$50.25 - $74.57
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 34.2% 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
2 risks
- Low volatility (beta 0.6).
- Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of digital banking services and mobile platforms to retain younger customers
Value
Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+19.9% over 3m
Quality
Excellent
High-growth business (50% revenue growth, 68% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.86% 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: Apr 22, 2026
APR 15, 2026
Reported EPS of $1.50 vs $1.39 consensus (+7.9% surprise). Revenue of $74.2M vs $73.0M expected (+1.6%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+7.9%
Next: Apr 22, 2026
Revenue trend · last 8Q
—
—
—
+13%
+14%
+14%
+14%
+56%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$61.4M
$62.8M
$65.7M
$66.2M
$70.2M
$104.5M
$106.1M
$103.2M
Margins · last 8Q
Gross
69.7%
Operating
34.3%
Profit
26.4%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
No analyst coverage on file for this stock yet.
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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