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

Company Overview

Community Trust Bancorp, Inc. is a bank holding company headquartered in Pikeville, Kentucky. As the parent of Community Trust Bank, the company provides a comprehensive range of banking services to individuals, families and businesses throughout eastern Kentucky, southern West Virginia and northeast Tennessee. With origins dating back to the early 20th century, the organization has built a reputation for supporting community development and regional economic growth across the Appalachian region.

The company’s personal banking offerings include checking and savings accounts, consumer installment loans, home equity and mortgage lending, as well as online and mobile banking platforms. For commercial clients, Community Trust Bancorp delivers treasury management, commercial real estate lending, equipment financing and business deposit solutions tailored to small and mid-sized enterprises. Complementing its core banking services, the organization offers wealth management services—such as retirement planning, trust administration and investment advisory—through affiliated professionals.

Community Trust Bancorp operates an expansive branch network of more than 60 locations, supported by automated teller machines and a dedicated customer service center to ensure accessibility in both urban and rural markets. The company places strong emphasis on community engagement, collaborating with local nonprofits, schools and healthcare providers to foster educational initiatives, economic development projects and other philanthropic efforts. Governance is overseen by a seasoned management team and board of directors with extensive experience in financial services and deep ties to the communities they serve.

Key Stats

• Today's Range: $56.35 to $57.62
• 50-Day Range: $53.00 to $58.84
• 52-Week Range: $44.60 to $61.67
• Volume: 152,907 shs
• Average Volume: 45,542 shs
• Market Capitalization: $1.02 billion
• P/E Ratio: 11.12
• Dividend Yield: 3.75%
• Price Target: $64.50
• Consensus Rating: Buy

Community Trust Bancorp Stock Analysis - MarketRank™

Community Trust Bancorp scored higher than 90% of companies evaluated by MarketBeat, and ranked 189th out of 941 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: 3.0 / 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.

Upside Potential

Community Trust Bancorp has a consensus price target of $64.50, representing about 14.2% upside from its current price of $56.50.

Amount of Analyst Coverage

Community Trust Bancorp has only been the subject of 2 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 11.12, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Trust Bancorp is 11.12, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 243.78.

Price to Book Value per Share Ratio

Community Trust Bancorp has a P/B Ratio of 1.35. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.77% 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 2.4, 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 decreased by 9.27%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

Community Trust Bancorp is a leading dividend payer. It pays a dividend yield of 3.68%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Community Trust Bancorp is 41.73%. 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 39.63% 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

0.77% 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 2.4, 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 decreased by 9.27%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.90

News Sentiment

Community Trust Bancorp has a news sentiment score of 1.90. 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 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Community Trust Bancorp this week, compared to 3 articles on an average week.

MarketBeat Follows

Only 1 people have added Community Trust Bancorp to their MarketBeat watchlist in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Community Trust Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $51,573.00 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 on January 1st, 2025. Since then, CTBI shares have increased by 6.5% and is now trading at $56.50.

How were Community Trust Bancorp's earnings last quarter?

Community Trust Bancorp, Inc. (NASDAQ:CTBI) announced its quarterly earnings data on Wednesday, July, 16th. The financial services provider reported $1.38 earnings per share for the quarter, beating analysts' consensus estimates of $1.27 by $0.11. The financial services provider earned $70.21 million during the quarter, compared to the consensus estimate of $68 million. Community Trust Bancorp had a trailing twelve-month return on equity of 11.77% and a net margin of 23.33%.

Who are Community Trust Bancorp's major shareholders?

Top institutional investors of Community Trust Bancorp include Community Trust & Investment Co. (10.93%), Geode Capital Management LLC (2.28%), American Century Companies Inc. (2.27%) and Clifford Capital Partners LLC (1.56%). Insiders that own company stock include M Lynn Parrish, Ricky D Sparkman, Mark A Gooch, Franky Minnifield, James B Draughn, David Andrew Jones, Richard W Newsom, Charles J Baird, Kevin J Stumbo, David I Tackett, Andy D Waters, Mark Edward Smith and Jefferson F Sandlin.
View institutional ownership trends.

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

• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Record date for 7/1 Dividend: 6/15/2025
• Dividend Payable: 7/01/2025
• Last Earnings: 7/16/2025
• Record date for 10/1 Dividend: 9/15/2025
• Ex-Dividend for 10/1 Dividend: 9/15/2025
• Today: 9/20/2025
• Dividend Payable: 10/01/2025
• Next Earnings (Estimated): 10/15/2025
• 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 Price Target for Community Trust Bancorp: $64.50
• High Price Target: $66.00
• Low Price Target: $63.00
• Potential Upside/Downside: +14.2%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.08
• Trailing P/E Ratio: 11.12
• Forward P/E Ratio: 11.17
• P/E Growth: N/A
• Net Income: $82.81 million
• Net Margins: 23.33%
• Pretax Margin: 30.01%
• Return on Equity: 11.77%
• Return on Assets: 1.47%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $376.01 million
• Price / Sales: 2.72
• Cash Flow: $4.91 per share
• Price / Cash Flow: 11.51
• Book Value: $41.95 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 18,110,000
• Free Float: 17,332,000
• Market Cap: $1.02 billion
• Optionable: Optionable
• Beta: 0.62