Stock Scorecard
Stock Summary for Community Trust Bancorp Inc (CTBI) - $61.19 as of 1/23/2026 9:04:48 PM EST
Total Score
15 out of 30
Safety Score
46 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CTBI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CTBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CTBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CTBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CTBI (46 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for CTBI
Financial Details for CTBI
Company Overview |
|
|---|---|
| Ticker | CTBI |
| Company Name | Community Trust Bancorp Inc |
| Country | N/A |
| Description | Community Trust Bancorp Inc. (CTBI), based in Pikeville, Kentucky, is a regional banking holding company dedicated to serving the financial needs of small to medium-sized communities via its subsidiary, Community Trust Bank, Inc. The company emphasizes community engagement and personalized banking solutions, fostering robust customer relationships that underpin its operational strategy. With a disciplined lending approach and a strong focus on maintaining high asset quality, CTBI has established itself as a stable financial institution, making it an appealing choice for institutional investors seeking sustainable growth and a resilient banking partner in the region. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 4/14/2026 |
Stock Price History |
|
| Last Day Price | 61.19 |
| Price 4 Years Ago | 40.60 |
| Last Day Price Updated | 1/23/2026 9:04:48 PM EST |
| Last Day Volume | 78,975 |
| Average Daily Volume | 75,227 |
| 52-Week High | 61.55 |
| 52-Week Low | 43.40 |
| Last Price to 52 Week Low | 40.99% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 16.51 |
| Sector PE | 21.70 |
| 5-Year Average PE | 10.24 |
| Free Cash Flow Ratio | 2.18 |
| Industry Free Cash Flow Ratio | 5.73 |
| Sector Free Cash Flow Ratio | 25.59 |
| Current Ratio Most Recent Quarter | 0.20 |
| Total Cash Per Share | 28.03 |
| Book Value Per Share Most Recent Quarter | 45.91 |
| Price to Book Ratio | 1.30 |
| Industry Price to Book Ratio | 1.23 |
| Sector Price to Book Ratio | 2.03 |
| Price to Sales Ratio Twelve Trailing Months | 4.15 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.46 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.87 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 18,115,800 |
| Market Capitalization | 1,108,505,802 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 12/15/2025 |
| Previous Dividend Amount | 0.5300 |
| Current Dividend Amount | 0.5300 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 2.00 |
| Trailing Annual Dividend Yield | 3.39% |
| Forward Annual Dividend Rate | 2.12 |
| Forward Annual Dividend Yield | 3.59% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.87% |
| 5-Year Average Dividend Yield | 4.00% |
| 1-Year Dividend Growth Rate Percentage | 7.53% |
| 3-Year Dividend Growth Rate Percentage | 5.41% |
| 5-Year Dividend Growth Rate Percentage | 6.24% |
| All-Time Dividend Growth Rate Percentage | 6.48% |
| Dividend Payout Ratio | 38.68% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 7.30% |
| Annual Earnings Growth | 6.17% |
| Reported EPS 12 Trailing Months | 5.17 |
| Reported EPS Past Year | 3.92 |
| Reported EPS Prior Year | 4.61 |
| Net Income Twelve Trailing Months | 93,275,000 |
| Net Income Past Year | 82,813,000 |
| Net Income Prior Year | 78,004,000 |
| Quarterly Revenue Growth YOY | 12.70% |
| 5-Year Revenue Growth | 9.80% |
| Operating Margin Twelve Trailing Months | 47.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 507,869,000 |
| Total Cash Past Year | 369,750,000 |
| Total Cash Prior Year | 271,645,000 |
| Net Cash Position Most Recent Quarter | 443,728,000 |
| Net Cash Position Past Year | 305,420,000 |
| Long Term Debt Past Year | 64,330,000 |
| Long Term Debt Prior Year | 64,575,000 |
| Total Debt Most Recent Quarter | 64,141,000 |
| Equity to Debt Ratio Past Year | 0.92 |
| Equity to Debt Ratio Most Recent Quarter | 0.93 |
| Total Stockholder Equity Past Year | 757,584,000 |
| Total Stockholder Equity Prior Year | 702,208,000 |
| Total Stockholder Equity Most Recent Quarter | 831,373,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 103,796,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.73 |
| Free Cash Flow Past Year | 97,094,000 |
| Free Cash Flow Prior Year | 79,410,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 1.06 |
| MACD Signal | 0.57 |
| 20-Day Bollinger Lower Band | 49.85 |
| 20-Day Bollinger Middle Band | 55.80 |
| 20-Day Bollinger Upper Band | 61.74 |
| Beta | 0.60 |
| RSI | 74.13 |
| 50-Day SMA | 52.99 |
| 150-Day SMA | 44.35 |
| 200-Day SMA | 42.64 |
System |
|
| Modified | 1/23/2026 8:50:23 PM EST |