Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Statistics

Total Valuation

CTBI has a market cap or net worth of $1.01 billion. The enterprise value is $1.24 billion.

Market Cap	1.01B
Enterprise Value	1.24B

Important Dates

The last earnings date was Wednesday, July 16, 2025, before market open.

Earnings Date	Jul 16, 2025
Ex-Dividend Date	Sep 15, 2025

Share Statistics

CTBI has 18.11 million shares outstanding. The number of shares has increased by 0.46% in one year.

Current Share Class	18.11M
Shares Outstanding	18.11M
Shares Change (YoY)	+0.46%
Shares Change (QoQ)	+0.08%
Owned by Insiders (%)	5.24%
Owned by Institutions (%)	64.77%
Float	15.17M

Valuation Ratios

The trailing PE ratio is 10.97 and the forward PE ratio is 10.27.

PE Ratio	10.97
Forward PE	10.27
PS Ratio	3.95
Forward PS	3.53
PB Ratio	1.25
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.53
EV / Sales	4.88
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 11.99%.

Return on Equity (ROE)	11.99%
Return on Assets (ROA)	1.50%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$271,776
Profits Per Employee	$97,972
Employee Count	934
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CTBI has paid $26.18 million in taxes.

Income Tax	26.18M
Effective Tax Rate	22.25%

Stock Price Statistics

The stock price has increased by +10.62% in the last 52 weeks. The beta is 0.60, so CTBI's price volatility has been lower than the market average.

Beta (5Y)	0.60
52-Week Price Change	+10.62%
50-Day Moving Average	53.14
200-Day Moving Average	53.11
Relative Strength Index (RSI)	55.94
Average Volume (20 Days)	70,649

Short Selling Information

The latest short interest is 152,080, so 0.84% of the outstanding shares have been sold short.

Short Interest	152,080
Short Previous Month	198,133
Short % of Shares Out	0.84%
Short % of Float	1.00%
Short Ratio (days to cover)	2.17

Income Statement

In the last 12 months, CTBI had revenue of $253.84 million and earned $91.51 million in profits. Earnings per share was $5.08.

Revenue	253.84M
Gross Profit	253.84M
Operating Income	121.60M
Pretax Income	99.02M
Net Income	91.51M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.08

Balance Sheet

The company has $76.56 million in cash and $305.87 million in debt, giving a net cash position of -$229.31 million or -$12.67 per share.

Cash & Cash Equivalents	76.56M
Total Debt	305.87M
Net Cash	-229.31M
Net Cash Per Share	-$12.67
Equity (Book Value)	806.87M
Book Value Per Share	44.57
Working Capital	-5.38B

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	47.91%
Pretax Margin	46.36%
Profit Margin	36.05%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.88, which amounts to a dividend yield of 3.37%.

Dividend Per Share	$1.88
Dividend Yield	3.37%
Dividend Growth (YoY)	4.86%
Years of Dividend Growth	45
Payout Ratio	38.19%
Buyback Yield	-0.46%
Shareholder Yield	2.91%
Earnings Yield	9.07%
FCF Yield	n/a

Analyst Forecast

The average price target for CTBI is $59.00, which is 5.87% higher than the current price. The consensus rating is "Buy".

Price Target	$59.00
Price Target Difference	5.87%
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