Intrinsiqq
Community Trust Bancorp Inc. logo

Community Trust Bancorp Inc.

CTBI

⊜ Compare

Community Trust Bancorp, Inc. ( CTBI ) is a bank holding company registered with the Board of Governors of the Federal Reserve System pursuant to Section 5(a) of the Bank Holding Company Act of 1956, as amended. CTBI was incorporated August 12, 1980, under the laws of the Commonwealth of Kentucky for the purpose of becoming a bank holding company.

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$1.25B
EPS$5.97
P/E11.55
Div. Yield3.05%
Net Margin–
P/Book1.4x
Community Trust Bancorp Inc. intrinsic value
52-Week Range
$51.68$79.46

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$108M

▲ +18.4% YoY

Net Margin

–

P/E

11.55

Balance Sheet

Total Assets

$6.99B

Equity

$892M

Total Debt

$16M

Cash & Equiv.

$514M

Continue Research

Peers

State Commercial Banks · Pick stocks to compare with CTBI

CompareIntrinsic value
CIVBCivista Bancshares Inc.
$28.23-0.84%69
CZFSCitizens Financial Services Inc.
$85.35+0.53%77
FUSBFirst US Bancshares, Inc.
$16.50-0.66%63
CPFCentral Pacific Financial Corp.
$37.98-1.84%77
COLBColumbia Banking System, Inc.
$30.70-1.00%52
GBCIGlacier Bancorp Inc.
$48.56-0.47%69
MTBM&T Bank Corporation
$220.72-1.50%76
FHBFirst Hawaiian, Inc.
$25.20-1.68%71

Held by ETFs

CTBI is in 52 US ETFs. The largest of them, with CTBI's weight in each:

Community Trust Bancorp (CTBI) in four numbers

Fair value (book value)
$56.42
Price $68.98 is 22% above it.
Intrinsic Value
Quality score
62/100
Best check: book value growth, 11.9%. Weakest: share count change, 1.4%.
Quality
Dividend (TTM)
$2.12
3.05% yield, raised at least 16 years in a row.
Dividends
P/E
11.55
Price to free cash flow 9.62.
Financials

Questions about Community Trust Bancorp

Is Community Trust Bancorp (CTBI) overvalued?

At $68.98, Community Trust Bancorp's price is 22% above the $56.42 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 11.55 times earnings and 9.62 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is Community Trust Bancorp's fair value?

Intrinsiqq's calculator puts Community Trust Bancorp's fair value at $56.42 a share. It grows book value per share 5.2% a year for 5 years, applies an exit P/B of 1.2, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $42.31. Every input can be changed on the Intrinsic Value tab.

Is Community Trust Bancorp a high-quality business?

Community Trust Bancorp scores 62 out of 100 on Intrinsiqq's quality score, which makes it a solid business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 11.9%, and its weakest is share count change at 1.4%. The Quality tab shows every check against its target.

Does Community Trust Bancorp (CTBI) pay a dividend, and how much?

Yes. Community Trust Bancorp (CTBI) pays a dividend: $2.12 per share over the last twelve months, a dividend yield of 3.05% at the latest close. It has raised its dividend per share for at least 16 years in a row, growing at 5.5% a year over the last 5 years. The payout takes about 35.4% of earnings.

Source: 10-Q filed 31 Jul 2026 (period ending 30 Jun 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in CTBI's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing CTBI

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.