Community Trust Bancorp (CTBI) Stock Price, News & Analysis

Company Overview

Community Trust Bancorp, Inc. is the bank holding company for Community Trust Bank, a full-service financial institution headquartered in Pikeville, Kentucky. Through its subsidiary bank, the company delivers a comprehensive range of consumer and commercial banking products, including deposit accounts, real estate and commercial lending, treasury management and digital banking solutions. Community Trust Bancorp also offers mortgage origination and servicing through a dedicated mortgage subsidiary.

On the consumer side, the company provides checking and savings accounts, certificates of deposit, personal loans, home equity lines of credit and credit card services. It maintains an extensive branch and ATM network across Eastern Kentucky and into neighboring markets in Ohio, Tennessee, Virginia and West Virginia. Complementing its branch footprint, Community Trust Bancorp invests in online and mobile platforms that enable customers to manage accounts, make payments and access remote deposit capture.

Community Trust Bancorp’s non-bank financial services include trust and wealth management, retirement administration, brokerage services and insurance offerings under specialized affiliates. These capabilities support individual and institutional clients with investment advisory, fiduciary oversight, estate planning and risk management solutions. The company emphasizes personalized service, drawing on local expertise and comprehensive product lines to meet the evolving needs of its communities.

Tracing its roots to the early 20th century, Community Trust Bank has grown through organic expansion and strategic acquisitions while maintaining a community-oriented culture. Today’s leadership team, led by President and Chief Executive Officer David P. Banks Jr., continues to focus on prudent growth, customer service excellence and technologies that strengthen client relationships across the Appalachian region.

Key Stats

• Today's Range: $54.48 to $56.63
• 50-Day Range: $48.96 to $56.14
• 52-Week Range: $41.50 to $61.67
• Volume: 39,878 shs
• Average Volume: 57,409 shs
• Market Capitalization: $1.02 billion
• P/E Ratio: 11.72
• Dividend Yield: 3.35%
• Price Target: $57.00
• Consensus Rating: Buy

Community Trust Bancorp Stock Analysis - MarketRank™

Community Trust Bancorp scored higher than 71% of companies evaluated by MarketBeat, and ranked 397th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

Community Trust Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Community Trust Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.73%

Earnings Growth

Earnings for Community Trust Bancorp are expected to grow by 5.73% in the coming year, from $5.06 to $5.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Trust Bancorp is 11.72, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Trust Bancorp is 11.72, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Community Trust Bancorp has a P/B Ratio of 1.34. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.97% of the float of Community Trust Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Community Trust Bancorp has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Community Trust Bancorp has recently increased by 8.14%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Community Trust Bancorp pays a meaningful dividend of 3.35%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Community Trust Bancorp has been increasing its dividend for 44 years.

Dividend Coverage

The dividend payout ratio of Community Trust Bancorp is 39.25%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Community Trust Bancorp will have a dividend payout ratio of 35.14% next year. This indicates that Community Trust Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.97% of the float of Community Trust Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Community Trust Bancorp has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Community Trust Bancorp has recently increased by 8.14%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.23

News Sentiment

Community Trust Bancorp has a news sentiment score of 1.23. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Community Trust Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Community Trust Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $102,020.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 4.30% of the stock of Community Trust Bancorp is held by insiders.

Percentage Held by Institutions

60.20% of the stock of Community Trust Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CTBI Stock Analysis - Frequently Asked Questions

How have CTBI shares performed this year?

Community Trust Bancorp's stock was trading at $53.03 at the beginning of 2025. Since then, CTBI shares have increased by 5.9% and is now trading at $56.1350.

How were Community Trust Bancorp's earnings last quarter?

Community Trust Bancorp, Inc. (NASDAQ:CTBI) released its quarterly earnings results on Wednesday, April, 16th. The financial services provider reported $1.22 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.19 by $0.03. The financial services provider earned $66.16 million during the quarter, compared to analysts' expectations of $64.92 million. Community Trust Bancorp had a net margin of 22.49% and a trailing twelve-month return on equity of 11.40%.

How do I buy shares of Community Trust Bancorp?

Shares of CTBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Community Trust Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Community Trust Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 4/16/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Record date for 7/1 Dividend: 6/15/2025
• Dividend Payable: 7/01/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CTBI
• CIK: 350852
• Web: www.ctbi.com
• Phone: (606) 432-1414
• Fax: 606-437-3366
• Employees: 980
• Year Founded: 1903

Price Target and Rating

• Average Stock Price Target: $57.00
• High Stock Price Target: $58.00
• Low Stock Price Target: $56.00
• Potential Upside/Downside: +1.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.79
• Trailing P/E Ratio: 11.72
• Forward P/E Ratio: 11.09
• P/E Growth: N/A
• Net Income: $82.81 million
• Net Margins: 22.49%
• Pretax Margin: 29.05%
• Return on Equity: 11.40%
• Return on Assets: 1.42%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $376.01 million
• Price / Sales: 2.70
• Cash Flow: $5.01 per share
• Price / Cash Flow: 11.21
• Book Value: $41.95 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 18,110,000
• Free Float: 17,332,000
• Market Cap: $1.02 billion
• Optionable: Optionable
• Beta: 0.58