CTBI
NASDAQ
US
Community Trust Bancorp, Inc. - Common Stock
$61.76
▲ +$0.18
(+0.29%)
Vol 58K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$1.0B
P/E
11.0
ROE
11.7%
Margin
35.4%
D/E
42.56
Beta
0.61
Div Yield
3.75%
52W
$45–$62
Wall Street Consensus
8 analysts · Apr 20262
Strong Buy
5
Buy
1
Hold
0
Sell
0
Strong Sell
87.5%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.45 | $1.51 | +$0.06 |
| Sep 2025 | $1.41 | $1.32 | $-0.09 |
| Jun 2025 | $1.29 | $1.38 | +$0.09 |
| Mar 2025 | $1.21 | $1.22 | +$0.01 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $65.7M | $66.2M | $70.2M | $71.5M | $74.7M |
| Net Income | $22.5M | $22.0M | $24.9M | $23.9M | $27.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 11.8% | 11.8% | 11.8% | 11.7% | 11.7% | 11.7% |
| P/E (TTM) | 10.47 | 11.10 | 11.02 | 9.94 | 10.87 | 10.97 |
| Net Margin | — | 35.4% | 35.4% | 35.4% | 35.4% | 35.4% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 36.30 | 36.30 | 36.30 | 42.04 | 42.56 | 42.56 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.5%
P/S (TTM)
2.74
P/B
1.3
EPS (TTM)
$5.17
CF/Share
$4.83
Rev Growth 3Y
+2.2%
52W High
$61.55
52W Low
$44.60
$44.60
52-Week Range
$61.55
Financial Health
Free Cash Flow
$13.0M
Net Debt
-$283.4M
Cash
$363.9M
Total Debt
$80.5M
As of Dec 31, 2025
How does CTBI compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CTBI valuation vs Banking peers
P/E ratio
11.0
▼
13%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.7
▲
18%
above
peers
(2.3)
vs Peers
vs Industry
Pricier
P/B ratio
1.3
▲
20%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.8%
▲
25%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
CTBI profitability vs Banking peers
ROE
11.7%
▲
30%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
35.5%
▲
24%
above
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.5%
▲
54%
above
peers
(1.0%)
vs Peers
vs Industry
Top tier
CTBI financial health vs Banking peers
D/E ratio
42.6
▲
208%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
12%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
CTBI fundamentals radar
CTBI
Peer median
Industry
CTBI profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CTBI vs peers: key metrics
Related Signals
Insider Activity
NeutralBuys
0
Sells
0
SPARKMAN RICKY D
Officer · Mar 13
84 shs
GOOCH MARK A
Chief Executive Officer · Jan 27
2481 shs
SPARKMAN RICKY D
Officer · Jan 27
898 shs
STUMBO KEVIN J
Chief Financial Officer · Jan 27
1027 shs
NEWSOM RICHARD W
President · Jan 27
1009 shs
JONES DAVID ANDREW
Officer · Jan 27
809 shs
WATERS ANDY D
Officer · Jan 27
821 shs
HANCOCK CHARLES WAYNE II
Officer · Jan 27
886 shs
TACKETT DAVID I
Officer · Jan 27
701 shs
DOLLINS BILLIE J.
Officer · Jan 27
667 shs
Last 90 days
Top Holders
Top 5: 34.2%Community Trust & Investmen…
10.83%
$117.8M
Blackrock Inc.
9.01%
$98.0M
Dimensional Fund Advisors LP
6.51%
$70.8M
Vanguard Group Inc
5.21%
$56.7M
American Century Companies …
2.64%
$28.7M
As of Dec 31, 2025
Dividends
$2.06
/ year
Mar 13, 2026
$0.5300
Dec 15, 2025
$0.5300
Sep 15, 2025
$0.5300
Jun 13, 2025
$0.4700
Mar 14, 2025
$0.4700
Dec 13, 2024
$0.4700
Sep 13, 2024
$0.4700
Jun 14, 2024
$0.4600
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