Community Trust Bancorp (CTBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Community Trust Bancorp

NasdaqGS•Financial Services•Banks - Regional

$77.76+0.27(<0.01%)Market closed

Market Cap

$1.38B

P/E

12.7x

P/S

3.3x

P/B

1.5x

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

How this company scores

ExcellentMetricSide Score: 84/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability23/25

Growth20/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 10.1x – 12.7x

Currently near its 20-quarter median.

P/S · 3.3x5y range 2.4x – 3.7x

Currently near its 20-quarter median.

P/B · 1.5x5y range 1.2x – 1.5x

Price & Volume

Market Cap $1.38B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $422.65M
Q. Revenue: $108.84M
TTM EBITDA: $146.40M
TTM Op. Income: $139.94M
Q. Op. Income: $38.35M
TTM Net Income: $108.00M
Q. Net Income: $29.62M
EPS: $1.64
Shares Out.: $18.06M

$422.65M in TTM revenue grew 7.8% YoY, reaching $108.84M last quarter. TTM EBITDA of $146.40M and TTM operating income of $139.94M show growth is flowing through to the bottom line. TTM net income of $108.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 72.1%
EBITDA Margin: 36.3%
Op. Margin: 35.2%
Net Margin: 27.2%

Op. margin of 35.2% is up 3.3% YoY — cost efficiency is improving. Net margin at 27.2% and gross margin of 72.1% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 3.3x
P/B Ratio: 1.5x

At 12.7x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $6.99B
Cash: $514.35M
Long-Term Debt: $63.66M
Book Value: $891.83M
D/E Ratio: 0.1
Debt/EBITDA: 1.6

With $6.99B in assets and $63.66M in long-term debt, D/E is 0.1and book value is $891.83M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $44.09M
TTM Free Cash Flow: $130.31M
FCF Margin: 30.8%
FCF / Net Income: 1.2

TTM FCF of $130.31M on $44.09M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.