CTBI — Community Trust Bancorp, Inc. stock price, charts and financials
QT72Community Trust Bancorp, Inc.Community Trust Bancorp, Inc. (NASDAQ: CTBI) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 12.98 | EPS (ttm) | 5.99 | Insider Own | 2.02% | Shs Outstand | 18.16M | Perf Week | -0.88% |
| Market Cap | 1.41B | Forward P/E | 12.01 | EPS next Y | 6.47 | Insider Trans | 0.02% | Shs Float | 16.69M | Perf Month | 8.59% |
| Enterprise Value | 1.73B | PEG | 0.72 | EPS next Q | 1.65 | Inst Own | - | Short Float | 2.66% | Perf Quarter | 17.27% |
| Income | 108.61M | P/S | 3.34 | EPS this Y | 6.98% | Inst Trans | - | Short Ratio | 4.12 | Perf Half Y | 21.18% |
| Sales | 422.65M | P/B | 1.57 | EPS next Y | 1.36% | ROA | 1.55% | Short Interest | 443.59K | Perf YTD | 37.63% |
| Book/sh | - | P/C | 10.32 | EPS next 5Y | 1.36% | ROE | 12.52% | 52W High | 79.16 -2.70% | Perf Year | 46.72% |
| Cash/sh | - | P/FCF | 11.00 | EPS past 3/5Y | 5.84% 10.14% | ROIC | 1.55% | 52W Low | 49.77 54.75% | Perf 3Y | 99.90% |
| Dividend Est. | 2.84 (3.69%) | EV/EBITDA | 11.96 | Sales past 3/5Y | 16.90% 12.10% | Gross Margin | 68.60% | Volatility | 1.74% 2.18% | Perf 5Y | 95.57% |
| Dividend TTM | 2.12 (2.75%) | EV/Sales | 4.08 | EPS Y/Y TTM | 29.50% | Oper. Margin | 33.11% | ATR (14) | 1.69 | Perf 10Y | 122.17% |
| Dividend Ex-Date | Sep 15, 2026 | Quick Ratio | 0.21 | Sales Y/Y TTM | 12.50% | Profit Margin | 25.55% | RSI (14) | 61.24 | Recom | 3.00 |
| Dividend Gr. 3/5Y | 5.98% 5.50% | Current Ratio | 0.21 | EPS Q/Q | 18.84% | SMA20 | 1.68% | Beta | 0.54 | Target Price | 81.50 |
| Payout | 26.51% | Debt/Eq | 0.42 | Sales Q/Q | 6.86% | SMA50 | 7.26% | Rel Volume | 0.90 | Prev Close | 77.76 |
| Employees | 930 | LT Debt/Eq | 0.09 | Earnings | Oct 21 | SMA200 | 22.95% | Avg Volume | 115.17K | Price | 77.02 |
| IPO Date | Dec 29, 1987 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 7.66% 2.13% | Net Debt/EBITDA | 2.17 | Volume | 104,121 | Change | -0.95% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-16-26 | Reiterated | Raymond James | Outperform | $73 → $82 |
| Jul-16-26 | Reiterated | Piper Sandler | Neutral | $76 → $81 |
| Jun-11-26 | Reiterated | Piper Sandler | Overweight | $76 |
| Oct-15-25 | Reiterated | Raymond James | Outperform | $60 → $61 |
| Oct-18-24 | Reiterated | Raymond James | $60 | |
| Dec-09-20 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Feb-27-17 | Downgrade | Hilliard Lyons | Neutral → Underperform | |
| Jan-22-15 | Downgrade | Sandler O'Neill | Buy → Hold | |
| Jan-22-15 | Downgrade | Piper Sandler | Buy → Hold |
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 423 | 409 | 376 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 132 | 136 | 138 | — | — | — | — | — | — | |
| Gross Profit | 291 | 273 | 238 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 110 | 104 | 85 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 40 | 42 | 46 | — | — | — | — | — | — | |
| Operating Income | 139 | 127 | 107 | — | — | — | — | — | — | |
| Interest Expense | 123 | 127 | 127 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 123 | 127 | 127 | — | — | — | — | — | — | |
| Net Income Before Taxes | 139 | 127 | 107 | — | — | — | — | — | — | |
| Income Taxes | 32 | 29 | 24 | — | — | — | — | — | — | |
| Consolidated Net Income | 108 | 98 | 83 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 108 | 98 | 83 | — | — | — | — | — | — | |
| Net Income | 108 | 98 | 83 | — | — | — | — | — | — | |
| EPS (Recurring) | 5.99 | 5.44 | 4.61 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 5.99 | 5.44 | 4.61 | — | — | — | — | — | — | |
| EPS (Diluted) | 5.97 | 5.43 | 4.61 | — | — | — | — | — | — | |
| EBITDA | 144 | 131 | 112 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 12.90 | 10.41 | 11.50 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.28 | 2.49 | 2.54 | — | — | — | — | — | — | |
| Gross Margin | 68.79 | 66.75 | 63.30 | — | — | — | — | — | — | |
| Operating Margin | 32.86 | 31.05 | 28.46 | — | — | — | — | — | — | |
| Net Margin | 25.53 | 23.96 | 22.07 | — | — | — | — | — | — | |
| Shares Outstanding | 18 | 18 | 18 | — | — | — | — | — | — | |
| Market Capitalization | 1,386 | 1,017 | 955 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| SPARKMAN RICKY D | Executive Vice President | Mar 13 '26 | Buy | 58.50 | 84 | 4,914 | 84 | Mar 16 |
| Waters Andy D | Executive Vice President | Aug 18 '25 | Sale | 56.18 | 918 | 51,574 | 632 | Aug 19 |
| MINNIFIELD FRANKY | Director | Jun 02 '25 | Buy | 51.01 | 2,000 | 102,020 | 17,099 | Jun 02 |
| SPARKMAN RICKY D | Executive Vice President | Apr 26 '23 | Buy | 34.86 | 2,868 | 99,974 | 18,687 | Aug 08 |
| Jones David Andrew | Executive Vice President | Jul 22 '24 | Option Exercise | 40.85 | 20,000 | 816,942 | 18,052 | Aug 07 |
| Waters Andy D | Executive Vice President | Jul 19 '24 | Option Exercise | 40.53 | 20,000 | 810,632 | 11,401 | Aug 06 |
| Jones David Andrew | Executive Vice President | Jul 22 '24 | Sale | 49.42 | 20,000 | 988,484 | 0 | Aug 02 |
| Jones David Andrew | Executive Vice President | Jul 22 '24 | Buy | 32.27 | 10,000 | 322,700 | 10,000 | Jul 23 |
| Jones David Andrew | Executive Vice President | Jul 19 '24 | Sale | 49.24 | 1,059 | 52,148 | 0 | Jul 23 |
| Jones David Andrew | Executive Vice President | Jul 01 '24 | Buy | 43.72 | 11 | 482 | 1,059 | Jul 23 |
| Jones David Andrew | Executive Vice President | Apr 01 '24 | Buy | 42.26 | 11 | 477 | 1,048 | Jul 23 |
| Jones David Andrew | Executive Vice President | Jan 02 '24 | Buy | 43.84 | 11 | 472 | 1,037 | Jul 23 |
| Waters Andy D | Executive Vice President | Jul 19 '24 | Sale | 48.79 | 10,000 | 487,932 | 1,401 | Jul 22 |
| Waters Andy D | Executive Vice President | Jul 19 '24 | Buy | 32.27 | 10,000 | 322,700 | 11,401 | Jul 22 |
| NEWSOM RICHARD W | President | Jun 11 '24 | Sale | 41.20 | 78 | 3,214 | 0 | Jun 13 |