NASDAQ · Banks - Regional

Community Trust Bancorp, Inc. (CTBI) Stock

$74.44 -2.19% NASDAQ: CTBI Financial Services

Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities.

Valuation

MetricValue
Price$74.44
Market Cap$1.35B
P/E Ratio12.43
P/B Ratio1.51
P/S Ratio3.20
EPS (TTM)$0.00
52-Week High$79.92
52-Week Low$50.25
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE12.52%
ROA1.55%
ROCE2.09%
Gross Margin68.60%
Operating Margin33.11%
Net Margin25.55%
Debt/Equity0.42
Current Ratio0.30

Annual Financials (USD)

Metric20212022202320242025
Revenue$239.0M$256.0M$326.0M$376.0M$409.0M
Operating Profit$111.0M$101.0M$99.0M$107.0M$127.0M
Net Profit$88.0M$82.0M$78.0M$83.0M$98.0M
EPS$4.94$4.58$4.36$4.61$5.43
Op Margin46.4%39.5%30.2%28.4%31.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$5.4B$5.4B$5.8B$6.2B$6.7B
Total Liabilities$4.7B$4.8B$5.1B$5.4B$5.8B
Cash$312.0M$129.0M$272.0M$370.0M$63.0M
Borrowings$343.0M$292.0M$307.0M$320.0M$390.0M

Latest News

Community Trust Bancorp (CTBI) Upgraded to Buy: Here's Why Zacks · Sep 29, 2026 Community Trust Bancorp (CTBI) Could Be a Great Choice Zacks · Sep 28, 2026 How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks Zacks · Sep 16, 2026 Are You Looking for a High-Growth Dividend Stock? Zacks · Sep 11, 2026 Community Trust Bancorp (CTBI) Could Be a Great Choice Zacks · Aug 26, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$116.0M$100.0M$86.0M$105.0M$105.0M
Investing Cash Flow$-361.0M$-286.0M$-233.0M$-344.0M$-471.0M
Financing Cash Flow$243.0M$26.0M$308.0M$360.0M$319.0M
Net Cash Flow$-26.0M$-183.0M$143.0M$98.0M$-6.0M
Free Cash Flow$113.0M$93.0M$79.0M$97.0M$97.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.03
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCBPBCB Bancorp, Inc. (NJ) $8.23 -0.96% -7.66 $142.90M 3.76%
CBUCommunity Financial System, Inc. $58.63 -0.80% 14.08 $3.08B 3.23%
CCBGCapital City Bank Group $48.10 -1.05% 13.79 $823.15M 2.17%
CMTVCommunity Bancorp. $43.20 -1.59% 12.71 $241.54M 2.49%
CZFSCitizens Financial Services, Inc. $78.05 -1.77% 9.44 $375.03M 2.52%

About Community Trust Bancorp, Inc.

Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.

Community Trust Bancorp, Inc. is headquartered in US.

Community Trust Bancorp, Inc. (CTBI) stock trades at $74.44 with a market capitalization of $1.35B. The stock is valued at a price-to-earnings (P/E) ratio of 12.43, price-to-book of 1.51, price-to-sales of 3.20. Over the past 52 weeks the stock has ranged between $50.25 and $79.92, and currently trades 6.9% below its 52-week high.

On profitability, Community Trust Bancorp, Inc. generates a return on equity (ROE) of 12.52%, above the typical market average, return on capital employed of 2.09%, an operating margin of 33.11%, a net profit margin of 25.55%.

Official website: www.ctbi.com

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