Stock AnalizCommunity Trust Bancorp Inc. CTBI
Major Banks · data as of November 13, 2026
Community Trust Bancorp Inc. (CTBI) is a financial company listed in the US with a market value of about $1.3B. In the twelve months to September 30, 2026 it had revenue of $307M and net income of $110M, a net margin of 35.8%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (2/5).
Key numbers: a P/E of 11.5, a price to free cash flow of 10.1, 5-year revenue growth of 7% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 17% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $307M | $283M | $249M | $231M | $227M | $224M | $206M | $195M | $194M | $186M | $181M |
| Net income | $110M | $98M | $83M | $78M | $82M | $88M | $60M | $65M | $59M | $51M | $47M |
| Free cash flow | $126M | $97M | $97M | $80M | $93M | $113M | $61M | $81M | $63M | $60M | $58M |
| EPS (diluted) | $6.08 | $5.43 | $4.61 | $4.36 | $4.58 | $4.94 | $3.35 | $3.64 | $3.35 | $2.92 | $2.70 |
| Net margin | 35.8% | 34.7% | 33.3% | 33.8% | 36.0% | 39.3% | 28.9% | 33.1% | 30.5% | 27.7% | 26.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $76.67, 9% above the current price; targets range from $75.00 to $80.00; the consensus rating is “none”; expected EPS is $6.16 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Community Trust Bancorp’s P/E ratio?
About 11.5, based on the last twelve months of diluted earnings per share (forward P/E about 10.9).
Is Community Trust Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 17% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Community Trust Bancorp pay a dividend?
Yes. The dividend yield is about 3.71%, and it has paid dividends for 10 years in our data.
Is Community Trust Bancorp a good stock to buy?
We do not give buy or sell advice. Community Trust Bancorp scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.