CTBI
Community Trust Bancorp, Inc.
CTBI has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CTBI overall, supported by stronger valuation and stronger fundamentals.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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 has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CTBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
CTBI has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
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.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CTBI on earnings, with stronger typical year-over-year growth.
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 has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from 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 has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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 |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CTBI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CTBI on leverage, with a lower net debt burden relative to earnings.
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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CTBI PE vs Financial Services Sector
| Metric | CTBI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 75 | 63 | 12 pts above |
CTBI has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% 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 the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.