CTBI
Community Trust Bancorp, Inc.
CTBI's fundamentals are strong, but it looks expensive: trading at 12x earnings, above its usual 10x. Analysts expect earnings growth.
CTBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CTBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CTBI.
CTBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $53.41 | -24% |
| Fair | 10x | $61.56 | -12% |
| Forward | 11x | $70.09 | — |
| Expensive | 12x | $72.83 | +3.9% |
| Current | 12x | $70.09 | — |
Historical ranges are pointers, not guarantees.
CTBI's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.
CTBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CTBI, with profitability improving.
CTBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.46 | +6.3% |
| Q3 2026 | $6.08 | +18% |
| Q2 2026 | $5.97 | +18% |
| Q1 2026 | $5.71 | +19% |
| Q4 2025 | $5.43 | +18% |
| Q3 2025 | $5.17 | +17% |
| Q2 2025 | $5.08 | +17% |
| Q1 2025 | $4.79 | +11% |
| Q4 2024 | $4.61 | +5.7% |
CTBI's earnings per share have climbed steadily: $6.08 over the past year, up 18% from the year before, and higher year over year for eight quarters in a row.
CTBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.7M | +11% |
| Q2 2026 | $78.5M | +12% |
| Q1 2026 | $74.2M | +12% |
| Q4 2025 | $74.7M | +14% |
| Q3 2025 | $71.5M | +14% |
| Q2 2025 | $70.2M | +14% |
| Q1 2025 | $66.2M | +13% |
| Q4 2024 | $65.7M | +16% |
CTBI's revenue has grown year over year for 11 quarters in a row: $80M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | -0.5 points |
| Q2 2026 | 49% | +2.6 points |
| Q1 2026 | 48% | +4.7 points |
| Q4 2025 | 47% | +2.7 points |
| Q3 2025 | 43% | -0.6 points |
| Q2 2025 | 46% | +3.9 points |
| Q1 2025 | 43% | +2.3 points |
| Q4 2024 | 45% | +3.6 points |
CTBI's operating margin was 43% last quarter, about level with the same quarter a year ago.
CTBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $32.4M | -11% |
| Q2 2026 | $43.1M | +217% |
| Q1 2026 | $37.9M | +9.9% |
| Q4 2025 | $13M | -33% |
| Q3 2025 | $36.4M | +2.8% |
| Q2 2025 | $13.6M | -26% |
| Q1 2025 | $34.5M | +44% |
| Q4 2024 | $19.4M | +3.7% |
CTBI's free cash flow was $126M over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CTBI.
CTBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +15K shares |
| 1 year | +0.3% | +61K shares |
| 3 years | +1.2% | +210K shares |
| 5 years | +1.7% | +306K shares |
| Available history | +2.1% | +374K shares |
CTBI has 18M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $1.1M |
CTBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.3x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -2.6x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -4.1x | Net Cash |
| Q2 2025 | -3.2x | Net Cash |
| Q1 2025 | -2.9x | Net Cash |
| Q4 2024 | -0.6x | Net Cash |
CTBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CTBI.
CTBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.8 | Neutral |
| Stochastic | 18.2 | Oversold |
CTBI's weekly RSI is 46 (neutral) and its Stochastic is 18 (oversold).
CTBI PE vs Financial Services Sector
| Metric | CTBI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 75 | 63 | 12 pts above |
CTBI is trading at 12x earnings, a 11% discount to the Financial Services sector's median of 13x.
CTBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $72.5 | 3.3% below |
| 20 week MA | $74.8 | 6.2% below |
| 50 week MA | $67.7 | 3.6% above |
| 100 week MA | $60.4 | 16% above |
| 200 week MA | $51.4 | 36% above |
CTBI has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 36% above its 200-week average.
CTBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.5 | $37.1 | -20% |
| 2021 | $37.1 | $43.3 | +17% |
| 2022 | $43.3 | $45.7 | +5.6% |
| 2023 | $45.7 | $43.9 | -4% |
| 2024 | $43.9 | $53.6 | +22% |
| 2025 | $53.6 | $57.8 | +7.8% |
| 2026 YTD | $57.8 | $70.1 | +21% |
CTBI has finished higher in four of the last six years. It's up 21% so far in 2026.