Business quality is the primary weakness (avg 80/100). Growth is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.4x book, reasonable for a financial
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Mild dilution under 2%
10–15%, healthy ROE
12.8% equity/assets, well-capitalized
Community Trust Bancorp (CTBI) quality: score, margins and returns
Community Trust Bancorp (CTBI) scores 62/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 6 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Community Trust Bancorp (CTBI) a high-quality business?+
Community Trust Bancorp scores 62 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Community Trust Bancorp's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from CTBI's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Community Trust Bancorp scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 8 Aug 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
State Commercial Banks · Pick stocks to compare with CTBI
Held by ETFs
CTBI is in 52 US ETFs. The largest of them, with CTBI's weight in each:
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.
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