Community Trust Bancorp (CTBI) Stock Price
Community Trust Bancorp Price
Revenue has compounded at 3.8% per year over the past 19 years to 282.60 M USD. Earnings per share have grown at 4.5% per year over the last 19 years. Community Trust Bancorp's net margin stands at 34.7%, down from 39.3% several years earlier. Community Trust Bancorp currently offers a dividend yield of about 2.54%. The payout ratio is around 37% of earnings. The dividend has grown at 3.4% per year over the past 19 years. Analysts set a median price target of 70.38 USD, implying 10.8% below the current price. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 55% above its 52-week low.
Community Trust Bancorp stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Community Trust Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Community Trust Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Community Trust Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Community Trust Bancorp Price |
|---|---|
| 8/14/2026 | 78.87 USD |
| 8/13/2026 | 79.11 USD |
| 8/12/2026 | 78.31 USD |
| 8/11/2026 | 78.09 USD |
| 8/10/2026 | 76.93 USD |
| 8/7/2026 | 77.76 USD |
| 8/6/2026 | 78.37 USD |
| 8/5/2026 | 78.99 USD |
| 8/4/2026 | 79.19 USD |
| 8/3/2026 | 78.93 USD |
| 7/31/2026 | 78.45 USD |
| 7/30/2026 | 78.07 USD |
| 7/29/2026 | 79.06 USD |
| 7/27/2026 | 76.88 USD |
| 7/23/2026 | 74.72 USD |
| 7/22/2026 | 74.19 USD |
| 7/21/2026 | 75.16 USD |
| 7/20/2026 | 74.72 USD |
| 7/17/2026 | 74.93 USD |
| 7/16/2026 | 76.98 USD |
| 7/15/2026 | 75.03 USD |
| 7/14/2026 | 72.25 USD |
| 7/13/2026 | 71.88 USD |
| 7/10/2026 | 72.04 USD |
| 7/9/2026 | 71.61 USD |
| 7/8/2026 | 71.99 USD |
| 7/7/2026 | 72.14 USD |
| 7/6/2026 | 72.58 USD |
| 7/2/2026 | 72.75 USD |
| 7/1/2026 | 74.07 USD |
| 6/30/2026 | 72.36 USD |
| 6/29/2026 | 71.54 USD |
| 6/26/2026 | 72.36 USD |
| 6/25/2026 | 71.42 USD |
| 6/24/2026 | 70.94 USD |
| 6/23/2026 | 70.08 USD |
| 6/22/2026 | 69.00 USD |
| 6/18/2026 | 68.14 USD |
| 6/17/2026 | 68.60 USD |
| 6/16/2026 | 68.74 USD |
| 6/15/2026 | 69.97 USD |
| 6/12/2026 | 70.99 USD |
| 6/11/2026 | 69.94 USD |
| 6/10/2026 | 69.83 USD |
| 6/9/2026 | 69.14 USD |
| 6/8/2026 | 68.31 USD |
| 6/5/2026 | 67.91 USD |
| 6/4/2026 | 67.09 USD |
| 6/3/2026 | 65.69 USD |
| 6/2/2026 | 66.85 USD |
| 6/1/2026 | 65.69 USD |
| 5/29/2026 | 66.74 USD |
| 5/28/2026 | 65.89 USD |
| 5/27/2026 | 66.91 USD |
| 5/26/2026 | 67.06 USD |
| 5/22/2026 | 66.93 USD |
| 5/21/2026 | 66.16 USD |
| 5/20/2026 | 66.43 USD |
| 5/19/2026 | 65.24 USD |
| 5/18/2026 | 65.37 USD |
| 5/15/2026 | 64.02 USD |
| 5/14/2026 | 64.50 USD |
| 5/13/2026 | 64.52 USD |
| 5/12/2026 | 64.85 USD |
| 5/11/2026 | 65.11 USD |
| 5/8/2026 | 66.32 USD |
| 5/7/2026 | 66.31 USD |
| 5/6/2026 | 66.27 USD |
| 5/5/2026 | 65.91 USD |
| 5/4/2026 | 64.44 USD |
| 5/1/2026 | 65.80 USD |
| 4/30/2026 | 64.93 USD |
| 4/29/2026 | 65.05 USD |
| 4/28/2026 | 66.46 USD |
| 4/27/2026 | 65.49 USD |
| 4/24/2026 | 65.15 USD |
| 4/23/2026 | 65.55 USD |
| 4/22/2026 | 64.58 USD |
| 4/21/2026 | 65.10 USD |
| 4/20/2026 | 65.96 USD |
| 4/17/2026 | 67.04 USD |
| 4/16/2026 | 64.85 USD |
| 4/15/2026 | 66.15 USD |
| 4/14/2026 | 64.42 USD |
| 4/13/2026 | 64.67 USD |
| 4/10/2026 | 64.63 USD |
| 4/9/2026 | 65.54 USD |
| 4/8/2026 | 64.20 USD |
| 4/7/2026 | 62.70 USD |
| 4/6/2026 | 62.52 USD |
| 4/2/2026 | 61.76 USD |
| 4/1/2026 | 61.58 USD |
| 3/31/2026 | 60.72 USD |
| 3/30/2026 | 60.53 USD |
| 3/27/2026 | 59.92 USD |
| 3/26/2026 | 60.64 USD |
| 3/25/2026 | 60.15 USD |
| 3/24/2026 | 60.26 USD |
| 3/23/2026 | 59.85 USD |
| 3/20/2026 | 58.59 USD |
| 3/19/2026 | 58.93 USD |
| 3/18/2026 | 58.93 USD |
| 3/17/2026 | 58.60 USD |
| 3/16/2026 | 59.11 USD |
| 3/13/2026 | 58.62 USD |
| 3/12/2026 | 59.03 USD |
| 3/11/2026 | 58.88 USD |
| 3/10/2026 | 59.33 USD |
| 3/9/2026 | 59.18 USD |
| 3/6/2026 | 59.72 USD |
| 3/5/2026 | 60.18 USD |
| 3/4/2026 | 61.51 USD |
| 3/3/2026 | 61.38 USD |
| 3/2/2026 | 61.54 USD |
| 2/27/2026 | 60.04 USD |
| 2/26/2026 | 62.74 USD |
| 2/25/2026 | 62.48 USD |
| 2/24/2026 | 61.73 USD |
| 2/23/2026 | 60.97 USD |
| 2/20/2026 | 63.57 USD |
| 2/19/2026 | 62.47 USD |
| 2/18/2026 | 63.22 USD |
| 2/17/2026 | 64.15 USD |
| 2/13/2026 | 63.59 USD |
| 2/12/2026 | 63.71 USD |
| 2/11/2026 | 63.62 USD |
| 2/10/2026 | 63.75 USD |
| 2/9/2026 | 64.72 USD |
| 2/6/2026 | 65.49 USD |
| 2/5/2026 | 64.17 USD |
| 2/4/2026 | 63.99 USD |
| 2/3/2026 | 63.38 USD |
| 2/2/2026 | 62.83 USD |
| 1/30/2026 | 61.70 USD |
| 1/29/2026 | 61.43 USD |
| 1/28/2026 | 60.14 USD |
| 1/27/2026 | 61.36 USD |
| 1/26/2026 | 61.10 USD |
| 1/23/2026 | 61.19 USD |
| 1/22/2026 | 62.92 USD |
| 1/21/2026 | 64.92 USD |
| 1/20/2026 | 58.98 USD |
| 1/16/2026 | 59.61 USD |
| 1/15/2026 | 59.85 USD |
| 1/14/2026 | 58.36 USD |
| 1/13/2026 | 58.11 USD |
| 1/12/2026 | 57.77 USD |
| 1/9/2026 | 57.71 USD |
| 1/8/2026 | 58.77 USD |
| 1/7/2026 | 57.22 USD |
| 1/6/2026 | 57.11 USD |
| 1/5/2026 | 57.85 USD |
| 1/2/2026 | 56.42 USD |
| 12/31/2025 | 56.50 USD |
| 12/30/2025 | 56.91 USD |
| 12/29/2025 | 57.72 USD |
| 12/26/2025 | 57.77 USD |
| 12/24/2025 | 58.24 USD |
| 12/23/2025 | 58.18 USD |
| 12/22/2025 | 58.82 USD |
| 12/19/2025 | 58.73 USD |
| 12/18/2025 | 60.98 USD |
| 12/17/2025 | 60.58 USD |
| 12/16/2025 | 61.14 USD |
| 12/15/2025 | 60.10 USD |
| 12/12/2025 | 60.12 USD |
| 12/11/2025 | 60.15 USD |
| 12/10/2025 | 59.43 USD |
| 12/9/2025 | 57.80 USD |
| 12/8/2025 | 57.32 USD |
| 12/5/2025 | 57.12 USD |
| 12/4/2025 | 57.16 USD |
| 12/3/2025 | 57.08 USD |
| 12/2/2025 | 55.83 USD |
| 12/1/2025 | 55.97 USD |
| 11/28/2025 | 55.50 USD |
| 11/26/2025 | 55.84 USD |
| 11/25/2025 | 56.12 USD |
| 11/24/2025 | 54.98 USD |
| 11/21/2025 | 55.39 USD |
| 11/20/2025 | 53.51 USD |
| 11/19/2025 | 53.39 USD |
| 11/18/2025 | 52.80 USD |
| 11/17/2025 | 52.74 USD |
| 11/14/2025 | 54.32 USD |
| 11/13/2025 | 54.16 USD |
| 11/12/2025 | 54.25 USD |
| 11/11/2025 | 53.93 USD |
| 11/10/2025 | 53.69 USD |
| 11/7/2025 | 52.98 USD |
| 11/6/2025 | 52.47 USD |
| 11/5/2025 | 52.72 USD |
| 11/4/2025 | 51.83 USD |
| 11/3/2025 | 51.68 USD |
| 10/31/2025 | 51.20 USD |
| 10/30/2025 | 51.52 USD |
| 10/29/2025 | 51.19 USD |
| 10/28/2025 | 52.49 USD |
| 10/27/2025 | 52.44 USD |
| 10/24/2025 | 52.85 USD |
| 10/23/2025 | 52.19 USD |
| 10/22/2025 | 53.19 USD |
| 10/21/2025 | 52.54 USD |
| 10/20/2025 | 52.95 USD |
| 10/17/2025 | 52.18 USD |
| 10/16/2025 | 51.02 USD |
| 10/15/2025 | 53.19 USD |
| 10/14/2025 | 56.14 USD |
| 10/13/2025 | 54.35 USD |
| 10/10/2025 | 53.34 USD |
| 10/9/2025 | 55.02 USD |
| 10/8/2025 | 55.54 USD |
| 10/7/2025 | 55.17 USD |
| 10/6/2025 | 56.45 USD |
| 10/3/2025 | 55.23 USD |
| 10/2/2025 | 55.07 USD |
| 10/1/2025 | 54.95 USD |
| 9/30/2025 | 55.95 USD |
| 9/29/2025 | 55.59 USD |
| 9/28/2025 | 55.59 USD |
| 9/25/2025 | 56.49 USD |
| 9/24/2025 | 56.00 USD |
| 9/23/2025 | 56.19 USD |
| 9/22/2025 | 56.21 USD |
| 9/19/2025 | 56.52 USD |
| 9/18/2025 | 57.62 USD |
| 9/17/2025 | 56.09 USD |
| 9/16/2025 | 55.62 USD |
| 9/15/2025 | 56.42 USD |
| 9/12/2025 | 57.11 USD |
| 9/11/2025 | 57.15 USD |
| 9/10/2025 | 57.45 USD |
| 9/9/2025 | 57.52 USD |
| 9/8/2025 | 58.09 USD |
| 9/5/2025 | 58.37 USD |
| 9/4/2025 | 58.84 USD |
| 9/3/2025 | 58.22 USD |
| 9/2/2025 | 58.30 USD |
| 8/29/2025 | 58.44 USD |
| 8/28/2025 | 58.62 USD |
| 8/27/2025 | 58.78 USD |
| 8/26/2025 | 58.75 USD |
| 8/25/2025 | 58.10 USD |
| 8/22/2025 | 58.66 USD |
| 8/21/2025 | 55.83 USD |
| 8/20/2025 | 56.16 USD |
| 8/19/2025 | 56.09 USD |
Community Trust Bancorp Revenue, Pre-Provision Profit, Net Income
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Community Trust Bancorp Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 199.00 | 197.00 | 188.00 | 190.00 | 195.00 | 204.00 | 223.00 | 235.00 | 231.00 | 238.00 | 255.00 | 326.00 | 376.00 | 409.00 | 313.00 | 326.00 |
| -1.49 | -1.01 | -4.57 | 1.06 | 2.63 | 4.62 | 9.31 | 5.38 | -1.70 | 3.03 | 7.14 | 27.84 | 15.34 | 8.78 | -23.47 | 4.15 |
| 84.42 | 88.83 | 89.36 | 89.47 | 88.72 | 87.25 | 83.86 | 80.85 | 81.82 | 96.22 | 87.06 | 68.40 | 63.03 | 66.75 | 66.75 | 66.75 |
| 168.00 | 175.00 | 168.00 | 170.00 | 173.00 | 178.00 | 187.00 | 190.00 | 189.00 | 229.00 | 222.00 | 223.00 | 237.00 | 273.00 | 208.92 | 217.60 |
| 132.10 | 134.70 | 132.10 | 132.25 | 133.02 | 137.40 | 142.16 | 144.89 | 150.99 | 163.08 | 169.10 | 173.11 | 186.00 | 218.98 | – | – |
| 46.00 | 49.30 | 45.10 | 46.81 | 48.44 | 48.51 | 51.95 | 50.18 | 54.56 | 60.46 | 57.92 | 57.66 | 62.57 | 63.62 | – | – |
| 9.50 | 8.60 | 8.80 | 8.70 | 7.90 | 7.50 | 6.20 | 4.80 | 16.00 | -6.40 | 4.90 | 6.81 | 10.95 | 12.44 | – | – |
| 74.50 | 73.70 | 71.20 | 73.66 | 74.36 | 76.01 | 76.71 | 76.77 | 86.35 | 104.24 | 105.92 | 105.38 | 117.64 | 139.53 | – | – |
| 44.00 | 45.00 | 43.00 | 46.00 | 47.00 | 51.00 | 59.00 | 64.00 | 59.00 | 87.00 | 81.00 | 78.00 | 82.00 | 98.00 | 115.00 | 117.00 |
| 15.79 | 2.27 | -4.44 | 6.98 | 2.17 | 8.51 | 15.69 | 8.47 | -7.81 | 47.46 | -6.90 | -3.70 | 5.13 | 19.51 | 17.35 | 1.74 |
| 1.25 | 1.27 | 1.50 | 1.22 | 1.26 | 1.94 | 1.38 | 1.48 | 1.53 | 1.57 | 1.68 | 1.80 | 1.86 | 2.00 | 2.36 | 2.49 |
| 1.63 | 1.60 | 18.11 | -18.67 | 3.28 | 53.97 | -28.87 | 7.25 | 3.38 | 2.61 | 7.01 | 7.14 | 3.33 | 7.53 | 18.00 | 5.51 |
| 17.13 | 17.36 | 17.42 | 17.52 | 17.62 | 17.67 | 17.71 | 17.76 | 17.77 | 17.82 | 17.87 | 17.93 | 18.01 | 18.06 | 18.06 | 18.06 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Community Trust Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Community Trust Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Community Trust Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Community Trust Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Community Trust Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Community Trust Bancorp stock margins
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Community Trust Bancorp Revenue per Share, Earnings per Share
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Community Trust Bancorp business model & stock analysis
Community Trust Bancorp SWOT Analysis
Strengths
Community Trust Bancorp Inc possesses several key strengths that contribute to its success:
- Strong Financial Performance: Through effective management and prudent decision-making, the company has maintained consistent profitability and financial stability over the years.
- Diversified Product Portfolio: Community Trust Bancorp Inc offers a wide range of financial products and services, including deposit accounts, loans, investment options, and insurance, catering to the diverse needs of its customers.
- Established Market Presence: With a long-standing history in the communities it serves, the company has developed strong relationships with its customers and enjoys a loyal customer base.
- Skilled Workforce: The company employs a team of experienced and knowledgeable professionals who exhibit a strong commitment to providing excellent customer service.
Community Trust Bancorp Inc faces certain weaknesses that need to be addressed for continued growth:
- Geographic Concentration: The company's operations primarily focus on a specific geographic region, which exposes it to potential risks associated with local economic downturns.
- Limited Technology Infrastructure: Compared to some larger competitors, Community Trust Bancorp Inc may face challenges in keeping up with rapidly evolving technological advancements, potentially affecting its ability to offer cutting-edge digital services.
- Regulatory Compliance Burden: Like other financial institutions, the company faces the constant challenge of complying with a complex regulatory environment, which adds to its operational costs and administrative burden.
The following opportunities can be targeted by Community Trust Bancorp Inc for further growth and expansion:
- Market Expansion: The company can consider expanding its operations into new geographic markets, diversifying its customer base and reducing reliance on any single region.
- Technological Upgrades: Investing in improved technology infrastructure and digital banking solutions would enable Community Trust Bancorp Inc to enhance its customer experience and compete effectively in the digital age.
- Mergers and Acquisitions: Exploring strategic partnerships, acquisitions, or mergers with other financial institutions could provide opportunities for expansion into new markets or the addition of complementary products and services.
- Growing Demand for ESG Investments: With increasing interest in environmental, social, and governance (ESG) investing, offering sustainable investment options could attract a growing segment of socially conscious customers.
Certain threats may pose challenges to the success of Community Trust Bancorp Inc:
- Economic Uncertainty: Fluctuations in the economy, such as interest rate changes, inflation, or recession, can impact the company's lending and investment activities, potentially leading to decreased profitability.
- Increasing Competition: Community Trust Bancorp Inc operates in a highly competitive banking industry, and competing with larger institutions or emerging fintech startups may put pressure on its market share and profitability.
- Cybersecurity Risks: As technology continues to advance, the company faces the risk of data breaches and cyberattacks, potentially compromising customer information and undermining trust in its services.
- Regulatory Changes: Changes in regulations, both at local and federal levels, could impact the way the company operates, requiring compliance adjustments and potentially increasing costs.
Weaknesses
Community Trust Bancorp Inc faces certain weaknesses that need to be addressed for continued growth:
- Geographic Concentration: The company's operations primarily focus on a specific geographic region, which exposes it to potential risks associated with local economic downturns.
- Limited Technology Infrastructure: Compared to some larger competitors, Community Trust Bancorp Inc may face challenges in keeping up with rapidly evolving technological advancements, potentially affecting its ability to offer cutting-edge digital services.
- Regulatory Compliance Burden: Like other financial institutions, the company faces the constant challenge of complying with a complex regulatory environment, which adds to its operational costs and administrative burden.
The following opportunities can be targeted by Community Trust Bancorp Inc for further growth and expansion:
- Market Expansion: The company can consider expanding its operations into new geographic markets, diversifying its customer base and reducing reliance on any single region.
- Technological Upgrades: Investing in improved technology infrastructure and digital banking solutions would enable Community Trust Bancorp Inc to enhance its customer experience and compete effectively in the digital age.
- Mergers and Acquisitions: Exploring strategic partnerships, acquisitions, or mergers with other financial institutions could provide opportunities for expansion into new markets or the addition of complementary products and services.
- Growing Demand for ESG Investments: With increasing interest in environmental, social, and governance (ESG) investing, offering sustainable investment options could attract a growing segment of socially conscious customers.
Certain threats may pose challenges to the success of Community Trust Bancorp Inc:
- Economic Uncertainty: Fluctuations in the economy, such as interest rate changes, inflation, or recession, can impact the company's lending and investment activities, potentially leading to decreased profitability.
- Increasing Competition: Community Trust Bancorp Inc operates in a highly competitive banking industry, and competing with larger institutions or emerging fintech startups may put pressure on its market share and profitability.
- Cybersecurity Risks: As technology continues to advance, the company faces the risk of data breaches and cyberattacks, potentially compromising customer information and undermining trust in its services.
- Regulatory Changes: Changes in regulations, both at local and federal levels, could impact the way the company operates, requiring compliance adjustments and potentially increasing costs.
Opportunities
The following opportunities can be targeted by Community Trust Bancorp Inc for further growth and expansion:
- Market Expansion: The company can consider expanding its operations into new geographic markets, diversifying its customer base and reducing reliance on any single region.
- Technological Upgrades: Investing in improved technology infrastructure and digital banking solutions would enable Community Trust Bancorp Inc to enhance its customer experience and compete effectively in the digital age.
- Mergers and Acquisitions: Exploring strategic partnerships, acquisitions, or mergers with other financial institutions could provide opportunities for expansion into new markets or the addition of complementary products and services.
- Growing Demand for ESG Investments: With increasing interest in environmental, social, and governance (ESG) investing, offering sustainable investment options could attract a growing segment of socially conscious customers.
Certain threats may pose challenges to the success of Community Trust Bancorp Inc:
- Economic Uncertainty: Fluctuations in the economy, such as interest rate changes, inflation, or recession, can impact the company's lending and investment activities, potentially leading to decreased profitability.
- Increasing Competition: Community Trust Bancorp Inc operates in a highly competitive banking industry, and competing with larger institutions or emerging fintech startups may put pressure on its market share and profitability.
- Cybersecurity Risks: As technology continues to advance, the company faces the risk of data breaches and cyberattacks, potentially compromising customer information and undermining trust in its services.
- Regulatory Changes: Changes in regulations, both at local and federal levels, could impact the way the company operates, requiring compliance adjustments and potentially increasing costs.
Threats
Certain threats may pose challenges to the success of Community Trust Bancorp Inc:
- Economic Uncertainty: Fluctuations in the economy, such as interest rate changes, inflation, or recession, can impact the company's lending and investment activities, potentially leading to decreased profitability.
- Increasing Competition: Community Trust Bancorp Inc operates in a highly competitive banking industry, and competing with larger institutions or emerging fintech startups may put pressure on its market share and profitability.
- Cybersecurity Risks: As technology continues to advance, the company faces the risk of data breaches and cyberattacks, potentially compromising customer information and undermining trust in its services.
- Regulatory Changes: Changes in regulations, both at local and federal levels, could impact the way the company operates, requiring compliance adjustments and potentially increasing costs.
Community Trust Bancorp Employees
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Community Trust Bancorp Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Community Trust Bancorp historical P/E ratio, EBIT multiple, and P/S ratio
Community Trust Bancorp annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Community Trust Bancorp shares outstanding
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Community Trust Bancorp stock splits
Community Trust Bancorp Dividend History
38 years of dividend payments · 7 consecutive increases
Community Trust Bancorp dividend history and estimates
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Community Trust Bancorp dividend payout ratio
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Current Community Trust Bancorp forecasts and price targets in August 2026
Analyst Price Targets 2026Community Trust Bancorp Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 7/16/2026 | Maintained | Neutral | 54 | |
| 7/17/2025 | Maintained | Outperform | 62 | |
| 4/17/2025 | Maintained | Overweight | 54 | |
| 4/2/2025 | Maintained | Outperform | 62 | |
| 12/9/2020 | Upgrade | NeutralOverweight | 54 | |
| 9/30/2020 | Maintained | Neutral | 54 | |
| 3/2/2020 | Maintained | Neutral | 54 | |
| 2/27/2017 | Downgrade | NeutralUnderperform | 62 | |
| 7/16/2015 | Maintained | Market Perform | 56 | |
| 7/16/2015 | Maintained | Market Perform | 56 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Community Trust Bancorp Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 7/22/2026 | 1.55USD | - | 78.39 MUSD | - | 2026 Q2 |
| 4/22/2026 | 1.41USD | - | 74.46 MUSD | - | 2026 Q1 |
| 1/21/2026 | 1.45USD | - | 75.48 MUSD | - | 2025 Q4 |
| 4/17/2024 | 1.01USD | - | 58.14 MUSD | - | 2024 Q1 |
| 1/17/2024 | 1.10USD | - | 59.16 MUSD | - | 2023 Q4 |
| 7/18/2023 | 1.17USD | - | 60.49 MUSD | - | 2023 Q2 |
| 4/18/2023 | 1.18USD | - | 60.14 MUSD | - | 2023 Q1 |
| 1/17/2023 | 1.25USD | - | 60.44 MUSD | - | 2022 Q4 |
| 10/19/2022 | 1.18USD | - | 58.01 MUSD | - | 2022 Q3 |
| 7/20/2022 | 1.13USD | - | 56.18 MUSD | - | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Community Trust Bancorp stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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Community Trust Bancorp shareholder structure
| % | Name |
|---|---|
11.52366% | |
8.97785% | |
6.51424% | |
3.81317% | |
2.86708% | |
2.74376% |
Community Trust Bancorp Beneficial Ownership Filings (SEC 13D/G)
Community Trust Bancorp Executives and Management Board
21 members · avg. age 62 · 19 % women
Mr. Mark Gooch (66)
Chairman of the Board, President, Chief Executive Officer · since 1997
1.31 M USD
Management
Mr. Richard Newsom (70)
Executive Vice President
Mr. Kevin Stumbo (64)
Chief Financial Officer, Executive Vice President, Treasurer
Mr. Ricky Sparkman (62)
Executive Vice President
Ms. Eugenia Luallen (72)
Lead Independent Director, Non-Executive Vice Chairman of the Board
Mr. C. Wayne Hancock (50)
Executive Vice President, Secretary
Ms. Billie Dollins (64)
Executive Vice President
Board of Directors
Mr. James Mcghee (67)
Independent Director
Mr. Anthony St. Charles (66)
Independent Director
Mrs. Ina Matthews (54)
Independent Director
Dr. Chad Street (53)
Independent Director
Dr. Lillian Webb (61)
Independent Director
Mr. Franky Minnifield (65)
Independent Director
Community Trust Bancorp Supply Chain
Community Trust Bancorp Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.73 | 0.30 | 0.76 |
Frequently asked questions about Community Trust Bancorp
Community Trust Bancorp Inc operates as a financial holding company, providing a wide range of banking and financial services. The company primarily focuses on various commercial and personal banking services, such as loans, deposits, mortgage loans, and trust services. In addition, Community Trust Bancorp Inc offers online and mobile banking solutions, making banking convenient for its customers. By offering personalized service, maintaining strong relationships, and emphasizing community support, the company strives to meet the financial needs of individuals, businesses, and communities it serves. Community Trust Bancorp Inc aims to provide exceptional service and financial solutions, positioning itself as a trusted partner in the market.
Community Trust Bancorp Inc is primarily active in the banking, financial services, and investment management industries.
The main competitors of Community Trust Bancorp Inc in the market are other regional banks and financial institutions operating in the same areas as Community Trust Bancorp Inc. Some notable competitors include Fifth Third Bancorp, BB&T Corporation, and PNC Financial Services Group. These competitors also offer a range of banking services to individuals, businesses, and communities, however, Community Trust Bancorp Inc distinguishes itself through its personalized approach, strong community ties, and commitment to customer service.
Community Trust Bancorp Inc is a well-established financial institution with a rich history and a strong background. Founded in 1903, the company has been serving the banking and financial needs of local communities for over a century. As a diversified financial services company, Community Trust Bancorp offers a wide range of banking and trust services, including commercial and consumer banking, wealth management, and mortgage lending. With a commitment to providing exceptional customer service and maintaining a strong community presence, Community Trust Bancorp Inc has become a trusted name in the financial industry.
Community Trust Bancorp Inc, a leading financial institution, has achieved significant milestones over the years. With a strong commitment to customer satisfaction and unparalleled expertise, the company has gained a reputation for its exceptional performance. Some notable achievements include consistent growth in its customer base, expansion into new markets, strategic acquisitions, and a strong presence in the communities it serves. Community Trust Bancorp Inc has also been recognized for its outstanding financial performance and has consistently delivered value to its shareholders. The company's dedication to innovation and superior service has solidified its position as a trusted and reliable financial partner within the industry.
Community Trust Bancorp Inc is primarily present in the United States.
Community Trust Bancorp Inc is committed to upholding strong values and a clear corporate philosophy. The company believes in building lasting relationships with its customers, employees, and shareholders. Community Trust Bancorp Inc aims to provide exceptional financial services and products while maintaining trust, integrity, and professionalism. The company's corporate philosophy emphasizes prudent risk management, long-term sustainability, and community involvement. By embodying these values, Community Trust Bancorp Inc strives to deliver value to its stakeholders and contribute positively to the communities it serves.
Analysts currently set an average price target of 70.38 USD for the Community Trust Bancorp stock (median: 70.38 USD), implying -9.4 % versus the latest price. The consensus is based on 7 analyst ratings.
7 analysts currently rate the Community Trust Bancorp stock: 6 recommend buying, 1 holding and 0 selling. For 2026, analysts expect Community Trust Bancorp to generate revenue of 313.20 M USD and earnings per share of 6.41 USD.
Converted at the current exchange rate, the Community Trust Bancorp share trades at 68.13 EUR (78.87 USD).
The Community Trust Bancorp share (CTBI) is listed on 1 stock exchanges, including: NASDAQ (CTBI).
Community Trust Bancorp, Inc. is a financial institution that operates in various sectors and divisions. The company offers a variety of products and services to meet the needs and requirements of its customers. The business model of Community Trust Bancorp, Inc. is based on four main divisions: banking, wealth management, insurance, and trust and fiduciary services. Banking: Community Trust Bancorp, Inc. offers a wide range of banking services, including deposit, credit, debit card, and online banking services. The company offers various types of accounts, such as savings accounts, checking accounts, credit card accounts, and mortgage loans. Wealth Management: Community Trust Bancorp, Inc. offers numerous wealth management products, including investment advice, portfolio management, insurance, retirement planning, and personal financing planning. Through investment strategies and decisions, the company helps its clients preserve and grow their wealth. Insurance: The company offers a wide range of insurance products to meet the needs of its customers. These products include auto insurance, homeowners insurance, life insurance, liability insurance, and more. Trust and Fiduciary Services: Community Trust Bancorp, Inc. also offers a variety of trust and fiduciary services, including asset management and trust accounts, estate planning, gift planning, trust takeovers, and estate administration. Community Trust Bancorp, Inc. is committed to offering its customers high-quality products and services that meet their financial needs and requirements. The company also has a strong presence in the communities where it operates and actively engages in philanthropic activities. Thus, the company is also known for supporting foundations and organizations that work for the well-being of the communities in which it operates. Overall, the business model of Community Trust Bancorp, Inc. has shown that the company is capable of catering to a wide range of customer needs and requirements in various sectors. The company is also actively involved in the communities it serves and is committed to expanding its social engagement. Please note that this translation is provided as accurately as possible, but may not be 100% accurate.
The expected revenue of Community Trust Bancorp is 313.20 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Community Trust Bancorp is 115.73 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Community Trust Bancorp is currently 12.31. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Community Trust Bancorp stock.
The price-to-sales ratio (P/S) of Community Trust Bancorp is currently 4.55. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Community Trust Bancorp stock.
The Eulerpool Quality Score for Community Trust Bancorp is 6/10.
The ISIN of Community Trust Bancorp is US2041491083. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Community Trust Bancorp is 919427. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Community Trust Bancorp is CTBI. The ticker symbol is used to trade Community Trust Bancorp shares on the stock exchange.
Over the past 12 months, Community Trust Bancorp paid a dividend of 2.00 USD . This corresponds to a dividend yield of about 2.54 %. For the coming 12 months, Community Trust Bancorp is expected to pay a dividend of 2.49 USD.
The current dividend yield of Community Trust Bancorp is 2.54 %.
Community Trust Bancorp pays a dividend, distributed in the months of , , , .
Community Trust Bancorp paid dividends every year for the past 37 years.
For the upcoming 12 months, dividends amounting to 2.49 USD are expected. This corresponds to a dividend yield of 3.16 %.
Community Trust Bancorp is assigned to the 'Finance' sector.
To receive the latest dividend of Community Trust Bancorp from amounting to 0.71 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Community Trust Bancorp distributed 1.86 USD as dividends.
The dividends of Community Trust Bancorp are distributed in USD.
Community Trust Bancorp stock
Community Trust Bancorp Peer Group
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Community Trust Bancorp FIGI
All fundamentals and in-depth analysis of Community Trust Bancorp
Our stock analysis for Community Trust Bancorp stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Community Trust Bancorp. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.