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: $64.63 to $66.19
• 50-Day Range: $57.73 to $67.04
• 52-Week Range: $49.61 to $68.71
• Volume: 69,537 shs
• Average Volume: 85,976 shs
• Market Capitalization: $1.20 billion
• P/E Ratio: 11.54
• Dividend Yield: 3.22%
• Price Target: $63.50
• Consensus Rating: Buy

Community Trust Bancorp Stock Analysis - MarketRank™

Community Trust Bancorp scored higher than 78% of companies evaluated by MarketBeat, and ranked 360th out of 878 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: 2.0 / 5
• Analyst Rating: Buy

Consensus Rating

Community Trust Bancorp has received a consensus rating of Buy. The company's average rating score is 3.25, and is based on 1 strong buy rating, 3 buy ratings, no hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Community Trust Bancorp is close to its current price, suggesting limited near-term upside or downside.

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: 2.63%

Earnings Growth

Earnings for Community Trust Bancorp are expected to grow by 2.63% in the coming year, from $6.08 to $6.24 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Trust Bancorp is 11.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Trust Bancorp is 11.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.31.

Price to Book Value per Share Ratio

Community Trust Bancorp has a P/B Ratio of 1.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for CTBI.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Community Trust Bancorp pays a meaningful dividend of 3.22%, 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 37.13%. 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 33.97% next year. This indicates that Community Trust Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 4.4 / 5
• News Sentiment: 0.99

News Sentiment

Community Trust Bancorp has a news sentiment score of 0.99. 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 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Community Trust Bancorp this week, compared to 2 articles on an average week.

Search Interest

3 people have searched for CTBI on MarketBeat in the last 30 days.

MarketBeat Follows

2 people have added Community Trust Bancorp to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.2 / 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 $4,914.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

2.60% 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 $56.50 at the start of the year. Since then, CTBI stock has increased by 16.8% and is now trading at $66.0130.

How were Community Trust Bancorp's earnings last quarter?

Community Trust Bancorp, Inc. (NASDAQ:CTBI) announced its earnings results on Wednesday, April, 15th. The financial services provider reported $1.50 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.39 by $0.11. The financial services provider earned $74.20 million during the quarter, compared to analysts' expectations of $73 million. Community Trust Bancorp had a net margin of 24.85% and a trailing twelve-month return on equity of 12.42%.

Who are Community Trust Bancorp's major shareholders?

Community Trust Bancorp's top institutional investors include Hsbc Holdings PLC (0.10%), Y Intercept Hong Kong Ltd (0.09%), Fifth Third Bancorp (0.08%) and BTC Capital Management Inc. (0.05%). Insiders that own company stock include Mark A Gooch, Franky Minnifield, James B Draughn, David Andrew Jones, Richard W Newsom, Kevin J Stumbo, David I Tackett, Andy D Waters, Mark Edward Smith, Jefferson F Sandlin and Ricky D Sparkman.
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 4/1 Dividend: 3/13/2026
• Record date for 4/1 Dividend: 3/15/2026
• Dividend Payable: 4/01/2026
• Last Earnings: 4/15/2026
• Today: 5/05/2026
• Record date for 7/1 Dividend: 6/15/2026
• Ex-Dividend for 7/1 Dividend: 6/15/2026
• Dividend Payable: 7/01/2026
• Next Earnings (Estimated): 7/15/2026
• Fiscal Year End: 12/31/2026

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: $63.50
• High Price Target: $66.00
• Low Price Target: $61.00
• Potential Upside/Downside: -3.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.71
• Trailing P/E Ratio: 11.54
• Forward P/E Ratio: 10.84
• P/E Growth: N/A
• Net Income: $98.06 million
• Net Margins: 24.85%
• Pretax Margin: 31.05%
• Return on Equity: 12.42%
• Return on Assets: 1.57%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $409.34 million
• Price / Sales: 2.92
• Cash Flow: $5.88 per share
• Price / Cash Flow: 11.21
• Book Value: $47.26 per share
• Price / Book: 1.39

Miscellaneous

• Outstanding Shares: 18,150,000
• Free Float: 17,679,000
• Market Cap: $1.20 billion
• Optionable: Optionable
• Beta: 0.55