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

Company Overview

Community Trust Bancorp, Inc. is a bank holding company headquartered in Pikeville, Kentucky. Through its principal subsidiary, Community Trust Bank, the company provides banking and financial services to individuals, businesses, governmental entities and nonprofit organizations.

Its offerings include checking and savings accounts, certificates of deposit, consumer and commercial loans, residential mortgages, credit cards, online and mobile banking, treasury management and other deposit services. Community Trust also provides wealth management, trust and investment services, insurance products and related financial solutions through its banking and affiliated operations.

Founded in 1903, Community Trust Bancorp serves communities primarily throughout eastern, central and northeastern Kentucky, as well as southern West Virginia. The company operates through a regional branch network and emphasizes relationship-based banking for consumers, small businesses, agricultural customers and larger commercial clients.

Key Stats

• Today's Range: $74.35 to $75.30
• 50-Day Range: $74.19 to $79.47
• 52-Week Range: $50.25 to $79.92
• Volume: 88,288 shs
• Average Volume: 98,315 shs
• Market Capitalization: $1.37 billion
• P/E Ratio: 12.61
• Dividend Yield: 3.45%
• Price Target: $81.50
• Consensus Rating: Moderate Buy

Community Trust Bancorp Stock Analysis - MarketRank™

Community Trust Bancorp scored higher than 88% of companies evaluated by MarketBeat, and ranked 196th out of 836 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: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Community Trust Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 1 strong buy rating, 1 buy rating, 2 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 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 1.40%

Earnings Growth

Earnings for Community Trust Bancorp are expected to grow by 1.40% in the coming year, from $6.41 to $6.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Trust Bancorp is 12.56, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Trust Bancorp is 12.56, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.94.

Price to Book Value per Share Ratio

Community Trust Bancorp has a P/B Ratio of 1.59. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.04% 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 5.25.

Change versus previous month

Short interest in Community Trust Bancorp has recently decreased by 7.71%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Community Trust Bancorp pays a meaningful dividend of 3.46%, 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 43.55%. 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 40.00% next year. This indicates that Community Trust Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.37

News Sentiment

Community Trust Bancorp has a news sentiment score of 1.37. 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 0.61 average news sentiment score of Finance companies.

News Coverage This Week

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

MarketBeat Follows

3 people have added Community Trust Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.5 / 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 $307,515.00 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.

Company Calendar

• Record date for 7/1 Dividend: 6/15/2026
• Ex-Dividend for 7/1 Dividend: 6/15/2026
• Dividend Payable: 7/01/2026
• Last Earnings: 7/15/2026
• Record date for 10/1 Dividend: 9/15/2026
• Ex-Dividend for 10/1 Dividend: 9/15/2026
• Today: 9/24/2026
• Dividend Payable: 10/01/2026
• Next Earnings (Estimated): 10/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CTBI
• CIK: 350852
• Web: www.ctbi.com
• Phone: (606) 432-1414
• Fax: 606-437-3366
• Employees: 930
• Year Founded: 1903

Price Target and Rating

• Average Price Target for Community Trust Bancorp: $81.50
• High Price Target: $82.00
• Low Price Target: $81.00
• Potential Upside/Downside: +8.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.97
• Trailing P/E Ratio: 12.61
• Forward P/E Ratio: 11.75
• P/E Growth: N/A
• Net Income: $98.06 million
• Net Margins: 25.55%
• Pretax Margin: 33.11%
• Return on Equity: 12.52%
• Return on Assets: 1.60%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $298.90 million
• Price / Sales: 4.58
• Cash Flow: $5.89 per share
• Price / Cash Flow: 12.79
• Book Value: $47.26 per share
• Price / Book: 1.59

Miscellaneous

• Outstanding Shares: 18,168,000
• Free Float: 17,696,000
• Market Cap: $1.37 billion
• Optionable: Optionable
• Beta: 0.52