Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Statistics

Total Valuation

CTBI has a market cap or net worth of $963.30 million. The enterprise value is $1.26 billion.

Market Cap	963.30M
Enterprise Value	1.26B

Important Dates

The last earnings date was Wednesday, October 15, 2025, before market open.

Earnings Date	Oct 15, 2025
Ex-Dividend Date	Sep 15, 2025

Share Statistics

CTBI has 18.11 million shares outstanding. The number of shares has increased by 0.43% in one year.

Current Share Class	18.11M
Shares Outstanding	18.11M
Shares Change (YoY)	+0.43%
Shares Change (QoQ)	+0.09%
Owned by Insiders (%)	5.21%
Owned by Institutions (%)	63.99%
Float	15.19M

Valuation Ratios

The trailing PE ratio is 10.29 and the forward PE ratio is 9.54.

PE Ratio	10.29
Forward PE	9.54
PS Ratio	3.66
Forward PS	3.26
PB Ratio	1.16
P/TBV Ratio	1.26
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.49
EV / Sales	4.81
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.72%.

Return on Equity (ROE)	11.72%
Return on Assets (ROA)	1.48%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$279,922
Profits Per Employee	$99,866
Employee Count	934
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CTBI has paid $27.79 million in taxes.

Income Tax	27.79M
Effective Tax Rate	22.95%

Stock Price Statistics

The stock price has increased by +6.32% in the last 52 weeks. The beta is 0.58, so CTBI's price volatility has been lower than the market average.

Beta (5Y)	0.58
52-Week Price Change	+6.32%
50-Day Moving Average	56.26
200-Day Moving Average	53.30
Relative Strength Index (RSI)	39.87
Average Volume (20 Days)	68,184

Short Selling Information

The latest short interest is 141,807, so 0.78% of the outstanding shares have been sold short.

Short Interest	141,807
Short Previous Month	139,587
Short % of Shares Out	0.78%
Short % of Float	0.93%
Short Ratio (days to cover)	2.65

Income Statement

In the last 12 months, CTBI had revenue of $261.45 million and earned $93.28 million in profits. Earnings per share was $5.17.

Revenue	261.45M
Gross Profit	261.45M
Operating Income	125.05M
Pretax Income	121.06M
Net Income	93.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.17

Balance Sheet

The company has $71.22 million in cash and $366.41 million in debt, giving a net cash position of -$295.20 million or -$16.30 per share.

Cash & Cash Equivalents	71.22M
Total Debt	366.41M
Net Cash	-295.20M
Net Cash Per Share	-$16.30
Equity (Book Value)	831.37M
Book Value Per Share	45.91
Working Capital	-5.59B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	47.83%
Pretax Margin	46.30%
Profit Margin	35.68%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $2.12, which amounts to a dividend yield of 3.99%.

Dividend Per Share	$2.12
Dividend Yield	3.99%
Dividend Growth (YoY)	4.86%
Years of Dividend Growth	45
Payout Ratio	37.53%
Buyback Yield	-0.43%
Shareholder Yield	3.56%
Earnings Yield	9.68%
FCF Yield	n/a

Analyst Forecast

The average price target for CTBI is $59.00, which is 10.92% higher than the current price. The consensus rating is "Buy".

Price Target	$59.00
Price Target Difference	10.92%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 13, 2014. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 13, 2014
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2