Community Trust Bancorp Inc.
CTBI | NASDAQ
$68.94
-$1.16 (-1.65%)
At close: Oct 30, 2026, 3:59 PM ET
$69.50
+$0.56 (+0.81%)
Pre-market:
Nov 2, 2026, 6:09 AM ET
Market Data
Market Cap $1.25B
Enterprise Value $1.62B
Beta 0.56
Average Volume 126.5K
Shares Outstanding (Diluted) 18.11M
Shares Change YoY 0.34%
Institutional Ownership 63.05%
Exchange NASDAQ
ISIN US2041491083
Price Performance
Price Change 1M -7.1%
Price Change 3M -12.1%
Price Change 6M 4.8%
Price Change YTD 22.0%
Price Change 1Y 34.6%
Price Change 3Y 83.5%
Price Change 5Y 57.8%
1M CAGR (ann.) -9.2%
1Y CAGR (ann.) 39.5%
5Y CAGR (ann.) 14.1%
All-Time CAGR 10.7%
Valuation
PE Ratio 11.34
Forward PE 10.70
PEG Ratio 0.64
Forward PEG 0.76
PS Ratio 2.90
Forward PS 3.80
PB Ratio 1.43
P/FCF Ratio 9.96
P/Adj. FCF Ratio 10.10
P/OCF Ratio 12.65
EV/Sales 3.76
EV/EBIT 11.35
EV/EBITDA 11.03
EV/FCF 12.92
Earnings Yield 8.8%
FCF Yield 10.0%
Adj. FCF Yield 9.9%
Financial Health
Net Debt $356.32M
Total Debt $431.11M
Cash & Short-Term Investments $59.17M
Total Assets $7.06B
Current Ratio 0.17
Quick Ratio 0.17
Debt / Equity Ratio 0.49
Debt / EBITDA 2.93
Debt / FCF 3.43
OCF / Debt 0.32
Interest Coverage 1.15
Altman Z-Score 0.20
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 67.8%
Operating Profit Margin 33.1%
EBITDA Margin 34.1%
Net Profit Margin 25.5%
FCF Margin 29.1%
Adj. FCF Margin 28.7%
SBC / Revenue 0.3%
SBC Impact (per share) -1.4%
Returns
Return on Assets 1.6%
Return on Equity 12.6%
Return on Invested Capital 1.6%
Return on Capital Employed 2.1%
Return on Tangible Assets 1.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 11.6%
Revenue CAGR 5Y 12.7%
Revenue CAGR 10Y 8.3%
EPS CAGR 3Y 10.0%
EPS CAGR 5Y 5.1%
EPS CAGR 10Y 8.5%
FCF CAGR 3Y 12.6%
FCF CAGR 5Y 3.4%
FCF CAGR 10Y 7.9%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 1
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 20, 2027
EPS Estimate (next Q) $1.62
EPS Growth Est (next Q) 7.3%
Revenue Est (next Q) $79.6M
Revenue Growth Est (next Q) 6.5%
Fair Value Estimates
Graham Number $81.50
Graham Upside 18.2%
Lynch Fair Value $30.76
Lynch Upside -55.4%
Price Target $81.50
Price Target Upside 18.2%
Cash Flow
Operating Cash Flow $136.05M
Free Cash Flow $125.77M
Adj. Free Cash Flow $123.97M
FCF Per Share $4.95
OCF Per Share $5.45
OCF/S Ratio 22.8%
Income Statement
Revenue $431.68M
Gross Profit $292.86M
Operating Income $143.11M
EBITDA $147.21M
Net Income $109.98M
EPS (Diluted) $6.08
Revenue / Employee $445.95K
Profit / Employee $113.62K
Employees 968
Dividends
Annual Dividend $2.30
Dividend Yield 3.34%
Payout Ratio 37.8%
FCF Payout Ratio 30.4%
Adj. FCF Payout Ratio 30.8%
Dividend Growth (YoY) 18.6%
Pay Frequency Quarterly
Ex-Dividend Date Dec 15, 2026
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