CTBI$59.85
Chart
Performance
Key Stats
AI CTBI Summary
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Powered by LiveAIOverall Analysis
BuyCommunity Trust Bancorp shows strong fundamental performance with consistent profitability and a healthy balance sheet. Its dividend yield is attractive, and technical indicators are mixed but lean towards positive for the longer term. Thematic alignment is moderate.
Thematic
Community Trust Bancorp operates in the financial sector, which is generally stable. Its focus on community banking provides a stable, albeit not high-growth, thematic tailwind. The company's digital transformation efforts and potential for regional expansion could be growth drivers.
Fundamental
Community Trust Bancorp exhibits strong profitability with consistent EPS growth and healthy net margins. The company maintains a robust balance sheet with manageable debt and strong cash reserves. Its dividend yield is a key attraction for income investors.
Technical
The stock is trading above key moving averages, indicating a generally positive trend. However, some oscillators suggest it might be approaching overbought conditions, hinting at potential consolidation.
| Factor | Score |
|---|---|
| Financial Sector Stability | 70 |
| Digital Transformation | 60 |
| Regional Economic Growth | 65 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 95 |
| Growth | 75 |
| Balance Sheet Health | 90 |
| Cash Flow | 85 |
| Dividends | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 65 |
| Volume Confirmation | 70 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Growth
The company has consistently beaten earnings per share (EPS) estimates for the last five quarters, with an average surprise of 6.54%.
Undervalued Relative to Earnings
The Price-to-Earnings (P/E) TTM ratio of 11.17 is significantly lower than the industry average of 15.5, suggesting potential undervaluation.
Bearish Points (7)
High Price-to-Sales Ratio
The Price-to-Sales (PS) TTM ratio of 5.3 is relatively high compared to historical periods, suggesting the market is valuing each dollar of revenue highly.
Overbought Indicators in Shorter Timeframes
In shorter timeframes like 1-minute and 5-minute charts, several oscillators like Stochastic %K and Williams Percent Range are showing 'Buy' signals or are in overbought territory, which could signal a potential short-term pullback.
Calendar
July 2025
1
Next Dividend Date
September 2025
15
Ex-Dividend Date
October 2025
15
Next Earnings Date
H: $1.27
A: $1.26
L: $1.26
H: 68.00M
A: 68.00M
L: 68.00M
Profile
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, 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, as well as southern West Virginia and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
Seasonals
Price Target
56.50 USD
The 39 analysts offering 1 year price forecasts for CTBI have a max estimate of 58.00 and a min estimate of 55.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Major regional bank headquartered in West Virginia, a primary market for Community Trust Bancorp (CTBI), making it a direct competitor in terms of geographic footprint and customer base.
Weight: 97
Regional bank headquartered in Louisville, Kentucky, a key state for CTBI, positioning it as a direct and significant competitor within the same local and regional banking markets.
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Tennessee-based regional bank with a substantial presence across the Southeast, including CTBI's core operating states (KY, WV, TN), making it a major and direct competitor.
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Ohio-based super-regional bank with a strong operational presence in neighboring states like Kentucky and West Virginia, directly competing with CTBI in several overlapping markets.