CTBI
Neutral signalScored 2026-08-26 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
Community Trust Bancorp, Inc.
- Nom
- Community Trust Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $1.3B
- Employés
- 930
- PDG
- Mark A. Gooch
- Site web
- https://www.ctbi.com
- Marché
- BCBPCBUCCBGCMTVCZFSCZWI
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 3 900 titres (~307 531,77 $ US)
- Insiders
- MINNIFIELD FRANKY
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$307,532
Avg sell (VWAP, 90d window) $78.85 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-14
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-14 | MINNIFIELD FRANKY | Sell · S | 3,900 | $78.85 | $307,532 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2020-02-21 | James Comer | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-08-26 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
CTBI presents a moderate opportunity driven by a confirmed earnings beat, analyst upgrades, and a dividend increase, all pointing to positive near-term momentum.
The first sentence of the analysis written for CTBI on 2026-08-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.91 · operating margin 31% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 66.7% | 63.2% | 68.6% | 86.9% | 96.4% | |
| Ebit Margin | 31.0% | 28.4% | 30.2% | 39.5% | 46.4% | |
| Ebitda Margin | 32.1% | 29.7% | 31.8% | 41.6% | 48.5% | |
| Operating Profit Margin | 31.0% | 28.4% | 30.2% | 39.5% | 46.4% | |
| Pretax Profit Margin | 31.0% | 28.4% | 30.2% | 39.5% | 46.4% | |
| Continuous Operations Profit Margin | 24.0% | 22.0% | 23.9% | 32.0% | 36.9% | |
| Net Profit Margin | 24.0% | 22.0% | 23.9% | 32.0% | 36.9% | |
| Bottom Line Profit Margin | 24.0% | 22.0% | 23.9% | 32.0% | 36.9% | |
| Current Ratio | 0.913 | 0.273 | 0.294 | 0.302 | 0.386 | |
| Quick Ratio | 0.913 | 0.273 | 0.294 | 0.302 | 0.386 | |
| Solvency Ratio | 0.018 | 0.016 | 0.016 | 0.018 | 0.020 | |
| Cash Ratio | 0.011 | 0.070 | 0.055 | 0.028 | 0.068 | |
| Price To Earnings Ratio | 10.386 | 11.503 | 10.060 | 10.007 | 8.828 | |
| Price To Earnings Growth Ratio | 0.577 | 2.006 | -2.008 | -1.412 | 0.186 | |
| Forward Price To Earnings Growth Ratio | 0.577 | 2.006 | -2.008 | -1.412 | 0.186 | |
| Price To Earnings Diluted Ratio | 10.405 | 11.503 | 10.060 | 10.028 | 8.828 | |
| Price To Earnings Diluted Growth Ratio | 0.585 | 2.006 | -2.094 | -1.376 | 0.186 | |
| Price To Book Ratio | 1.190 | 1.256 | 1.117 | 1.304 | 1.111 | |
| Price To Sales Ratio | 2.488 | 2.532 | 2.404 | 3.204 | 3.250 | |
| Price To Free Cash Flow Ratio | 10.457 | 9.804 | 9.879 | 8.765 | 6.845 | |
| Price To Operating Cash Flow Ratio | 9.700 | 9.051 | 9.151 | 8.218 | 6.704 | |
| Debt To Assets Ratio | 0.058 | 0.052 | 0.053 | 0.054 | 0.063 | |
| Debt To Equity Ratio | 0.455 | 0.423 | 0.437 | 0.465 | 0.491 | |
| Debt To Capital Ratio | 0.313 | 0.297 | 0.304 | 0.317 | 0.329 | |
| Long Term Debt To Capital Ratio | 0.070 | 0.078 | 0.085 | 0.085 | 0.077 | |
| Financial Leverage Ratio | 7.808 | 8.175 | 8.217 | 8.567 | 7.760 | |
| Working Capital Turnover Ratio | -0.188 | -0.102 | -0.097 | -0.084 | -0.081 | |
| Operating Cash Flow Ratio | 0.018 | 0.020 | 0.017 | 0.021 | 0.025 | |
| Operating Cash Flow Sales Ratio | 0.256 | 0.280 | 0.263 | 0.390 | 0.485 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | 0.923 | 0.926 | 0.938 | 0.979 | |
| Debt Service Coverage Ratio | 0.235 | 0.239 | 0.259 | 0.356 | 0.324 | |
| Interest Coverage Ratio | 1.003 | 0.837 | 1.032 | 3.528 | 7.332 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.340 | 0.437 | 0.380 | 0.462 | 0.426 | |
| Operating Cash Flow Coverage Ratio | 0.269 | 0.328 | 0.280 | 0.342 | 0.337 | |
| Capital Expenditure Coverage Ratio | 13.809 | 13.020 | 13.561 | 16.032 | 48.755 | |
| Dividend Paid And Capex Coverage Ratio | 2.409 | 2.535 | 2.226 | 2.757 | 3.820 | |
| Dividend Payout Ratio | 0.367 | 0.403 | 0.413 | 0.366 | 0.317 | |
| Enterprise Value Multiple | 10.244 | 8.079 | 7.887 | 9.242 | 6.972 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 66.7% | ▲3.5% | ▼-9.6% |
| Ebit Margin | 31.1% | ▲2.7% | ▼-4.0% |
| Ebitda Margin | 32.1% | ▲2.4% | ▼-4.7% |
| Operating Profit Margin | 31.1% | ▲2.7% | ▼-4.0% |
| Pretax Profit Margin | 31.1% | ▲2.7% | ▼-4.0% |
| Continuous Operations Profit Margin | 24.0% | ▲1.9% | ▼-3.8% |
| Net Profit Margin | 24.0% | ▲1.9% | ▼-3.8% |
| Bottom Line Profit Margin | 24.0% | ▲1.9% | ▼-3.8% |
| Current Ratio | 0.913 | ▲0.640 | ▲0.479 |
| Quick Ratio | 0.913 | ▲0.640 | ▲0.479 |
| Solvency Ratio | 0.018 | ▲0.001 | ▼-0.000 |
| Cash Ratio | 0.011 | ▼-0.059 | ▼-0.035 |
| Price To Earnings Ratio | 10.386 | ▼-1.117 | ▲0.229 |
| Price To Earnings Growth Ratio | 0.577 | ▼-1.429 | ▲0.707 |
| Forward Price To Earnings Growth Ratio | 0.577 | ▼-1.429 | ▲0.707 |
| Price To Earnings Diluted Ratio | 10.405 | ▼-1.098 | ▲0.240 |
| Price To Earnings Diluted Growth Ratio | 0.585 | ▼-1.421 | ▲0.724 |
| Price To Book Ratio | 1.190 | ▼-0.067 | ▼-0.006 |
| Price To Sales Ratio | 2.488 | ▼-0.044 | ▼-0.288 |
| Price To Free Cash Flow Ratio | 10.457 | ▲0.653 | ▲1.307 |
| Price To Operating Cash Flow Ratio | 9.700 | ▲0.649 | ▲1.135 |
| Debt To Assets Ratio | 0.058 | ▲0.007 | ▲0.002 |
| Debt To Equity Ratio | 0.455 | ▲0.033 | ▲0.001 |
| Debt To Capital Ratio | 0.313 | ▲0.016 | ▲0.001 |
| Long Term Debt To Capital Ratio | 0.070 | ▼-0.008 | ▼-0.009 |
| Financial Leverage Ratio | 7.808 | ▼-0.367 | ▼-0.297 |
| Working Capital Turnover Ratio | -0.188 | ▼-0.085 | ▼-0.077 |
| Operating Cash Flow Ratio | 0.018 | ▼-0.001 | ▼-0.002 |
| Operating Cash Flow Sales Ratio | 0.257 | ▼-0.023 | ▼-0.078 |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | ▲0.004 | ▼-0.011 |
| Debt Service Coverage Ratio | 0.235 | ▼-0.004 | ▼-0.048 |
| Interest Coverage Ratio | 1.003 | ▲0.166 | ▼-1.744 |
| Short Term Operating Cash Flow Coverage Ratio | 0.340 | ▼-0.097 | ▼-0.069 |
| Operating Cash Flow Coverage Ratio | 0.269 | ▼-0.059 | ▼-0.042 |
| Capital Expenditure Coverage Ratio | 13.809 | ▲0.790 | ▼-7.226 |
| Dividend Paid And Capex Coverage Ratio | 2.409 | ▼-0.126 | ▼-0.341 |
| Dividend Payout Ratio | 0.367 | ▼-0.036 | ▼-0.006 |
| Enterprise Value Multiple | 10.244 | ▲2.165 | ▲1.759 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.02B | $951.9M | $784.5M | $819.2M | $775.6M | |
| Enterprise value | $1.35B | $902.3M | $819.6M | $982.0M | $806.5M | |
| EV / Sales | 3.29x | 2.40x | 2.51x | 3.84x | 3.38x | |
| EV / Op. cash flow | 12.81x | 8.58x | 9.56x | 9.85x | 6.97x | |
| EV / Free cash flow | 13.81x | 9.29x | 10.32x | 10.51x | 7.12x | |
| EV / EBITDA | 10.24x | 8.08x | 7.89x | 9.24x | 6.97x | |
| Net debt / EBITDA | 2.49x | -0.44x | 0.34x | 1.53x | 0.27x | |
| Current ratio | 0.91x | 0.27x | 0.29x | 0.30x | 0.39x | |
| Income quality | 1.07x | 1.27x | 1.10x | 1.22x | 1.32x | |
| Graham number | $76 | $66 | $62 | $60 | $66 | |
| Graham net-net | -$102 | -$222 | -$202 | -$188 | -$165 | |
| Tax burden | 77.2% | 77.6% | 79.1% | 81.0% | 79.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$497.1M | -$3.87B | -$3.50B | -$3.24B | -$2.83B | |
| Invested capital | -$379.0M | -$3.73B | -$3.36B | -$3.11B | -$2.71B | |
| Return on assets | 1.5% | 1.3% | 1.4% | 1.5% | 1.6% | |
| Operating ROA | 2.0% | 1.8% | 1.8% | 1.9% | 2.1% | |
| Return on tangible assets | 1.5% | 1.4% | 1.4% | 1.5% | 1.6% | |
| Return on equity | 11.5% | 10.9% | 11.1% | 13.0% | 12.6% | |
| Return on invested capital | 9.1% | 7.4% | 7.5% | 8.6% | 8.2% | |
| Return on capital employed | 12.9% | 12.2% | 12.1% | 13.7% | 13.8% | |
| Earnings yield | 9.6% | 8.7% | 9.9% | 10.0% | 11.3% | |
| Free cash flow yield | 9.6% | 10.2% | 10.1% | 11.4% | 14.6% | |
| Capex / Op. cash flow | 7.2% | 7.7% | 7.4% | 6.2% | 2.1% | |
| Capex / Depreciation | 132.2% | 161.5% | 118.1% | 119.1% | 47.1% | |
| Capex / Sales | 1.9% | 2.1% | 1.9% | 2.4% | 1.0% | |
| SG&A / Sales | 25.5% | 22.6% | 24.3% | 30.1% | 32.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | |
| Intangibles / Total assets | 1.0% | 1.2% | 1.3% | 1.4% | 1.3% | |
| Days sales outstanding | 4311d | 24d | 26d | 28d | 24d | |
| Days payables outstanding | 29d | 22d | 26d | 24d | 43d | |
| Operating cycle | 4311d | 24d | 26d | 28d | 24d | |
| Cash conversion cycle | 4282d | 2d | 0d | 4d | -19d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-18 Community Trust Bancorp (CTBI) Upgraded to Buy: Here''s What You Should Know Community Trust Bancorp (CTBI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-08-10 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
- 2026-07-29 Community Trust Bancorp, Inc. Increases Its Cash Dividend PIKEVILLE, Ky.--(BUSINESS WIRE)--On July 28, 2026, the Board of Directors of Community Trust Bancorp, Inc. (NASDAQ: CTBI) increased its quarterly cash dividend to $0.65 per share beginning with the October 1, 2026 payment to shareholders of record on September 15, 2026. This represents an increase of 22.6% in the quarterly cash dividend. “We are pleased to have increased the cash dividend to our shareholders for the 46th consecutive year," said Mark A. Gooch, Chairman, President, and CEO. In ad.
- 2026-07-24 Why Community Trust Bancorp (CTBI) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
- 2026-07-23 Community Trust Bancorp (NASDAQ:CTBI) Shares Pass Above 200-Day Moving Average – Time to Sell? Community Trust Bancorp, Inc. (NASDAQ: CTBI - Get Free Report) crossed above its 200-day moving average during trading on Wednesday. The stock has a 200-day moving average of $64.80 and traded as high as $75.15. Community Trust Bancorp shares last traded at $74.19, with a volume of 91,788 shares. Wall Street Analysts Forecast Growth Several
- 2026-07-21 Community Trust Bancorp (CTBI) is a Great Momentum Stock: Should You Buy? Does Community Trust Bancorp (CTBI) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-17 Community Trust Bancorp (CTBI) Upgraded to Buy: Here''s Why Community Trust Bancorp (CTBI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-07-15 Community Trust Bancorp (CTBI) Q2 Earnings and Revenues Beat Estimates Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.64 per share, beating the Zacks Consensus Estimate of $1.52 per share. This compares to earnings of $1.38 per share a year ago.
- 2026-07-15 Community Trust Bancorp, Inc. Reports Record Earnings for the 2nd Quarter 2026 PIKEVILLE, Ky.--(BUSINESS WIRE)--Community Trust Bancorp, Inc. (NASDAQ:CTBI): Earnings Summary (in thousands except per share data) 2Q 2026 1Q 2026 2Q 2025 YTD 2026 YTD 2025 Net income $29,623 $27,192 $24,899 $56,815 $46,871 Earnings per share $1.64 $1.51 $1.38 $3.15 $2.60 Earnings per share - diluted $1.64 $1.50 $1.38 $3.14 $2.60 Return on average assets 1.74% 1.65% 1.58% 1.70% 1.51% Return on average equity 13.40% 12.62% 12.51% 13.01% 12.01% Efficiency ratio 47.99% 48.72% 50.70% 4.
- 2026-07-08 Why Community Trust Bancorp (CTBI) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?