Community Trust Bancorp, Inc. (CTBI) AI Stock Analysis

Established in 1903 and headquartered in Pikeville, Kentucky, Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. The company provides commercial and personal banking services tailored primarily to small to mid-sized communities. Its offerings include time deposits, checking, savings, individual retirement accounts, and money market accounts. Its lending portfolio encompasses commercial, construction, mortgage, residential and commercial real estate, asset-based, lease-financing, and personal loans. Beyond standard banking, the firm provides cash management, safe deposit box rentals, trust and estate administration, securities brokerage, wealth management, annuity and life insurance products, and digital banking platforms.

Revenue expanded from $238.6M in FY2021 to $409.3M in FY2025, delivering a 5-year compound annual growth rate of 12.1%. Revenue growth was 27.6% in FY2023, 15.2% in FY2024, and 8.9% in FY2025. Annual net income grew from $87.9M in FY2021 to $98.1M in FY2025, with diluted earnings per share advancing from $4.94 to $5.43 over that span. Operating margin was 31.0% in FY2025 compared to 46.4% in FY2021, while gross margin stood at 66.7%. For the latest quarter ended June 30, 2026, quarterly revenue increased 11.2% year-over-year, and quarterly earnings grew 18.8% year-over-year, accompanied by a trailing twelve-month operating margin of 52.1%.

As of June 30, 2026, Community Trust Bancorp held $205.7M in cash and short-term investments against total debt of $377.5M, leaving net debt at $171.8M. Total assets were $6.99B, supported by shareholders' equity of $891.8M and a debt-to-equity ratio of 0.42. The company reported a current ratio of 0.30. For FY2025, operating cash flow reached $105.0M and free cash flow was $97.4M, which funded capital expenditures of $7.6M and dividends paid of $36.0M.

Community Trust Bancorp trades at a trailing price-to-earnings ratio of 12.6x and a forward price-to-earnings ratio of 11.2x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. The stock's price-to-sales multiple is 4.8x, exceeding the peer median of 3.2x, while its price-to-book ratio is 1.6x and its PEG ratio is 1.03. Over the past year, CTBI generated a return of 52.2%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, the stock returned 113.2% versus 83.0% for the S&P 500.

Community Trust Bancorp pays an annual forward dividend of $2.60 per share, which equates to a 3.46% dividend yield distributed on a quarterly frequency. The company has paid dividends for 39 consecutive years and achieved a 5-year annualized dividend growth rate of 5.5%. The dividend payout ratio stands at 37.5%, and the most recent ex-dividend date was September 15, 2026.

Wall Street coverage includes 1 Strong Buy, 1 Buy, and 1 Hold rating, with 0 Sell or Strong Sell ratings. The mean price target is $81.33, indicating 8.3% upside compared to the last close of $75.08. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $6.38 on revenue of $313.4M. For the following fiscal year, 3 analysts project revenue of $327.6M and EPS of $6.50. The bank exceeded EPS estimates in 3 of the last 4 quarters, with its next earnings date scheduled for October 21, 2026.

This page is an AI-written research summary of Community Trust Bancorp, Inc. (CTBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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