Community Trust Bank/$CTBI
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Capital at risk
About Community Trust Bank
Community Trust Bancorp Inc is a bank holding company. The Bank owns all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, north-eastern, central, and south-central Kentucky, southern West Virginia, and north-eastern Tennessee. Through its subsidiaries, the Bank is engaged in commercial and personal banking and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals, and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes; and providing funds transfer services. The company operates in one reportable segment: community banking services.
- Ticker
- $CTBI
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 930
- Headquarters
- Pikeville, United States
- Website
- www.ctbi.com
CTBI Metrics
BasicAdvanced
$1.4B
12.76
$5.97
0.55
$2.12
2.78%
Price and volume
Market cap
$1.4B
Beta
0.55
52-week high
$79.92
52-week low
$50.25
Average daily volume
95K
Dividend rate
$2.12
Financial strength
Dividend payout ratio (TTM)
35.38%
Profitability
Net profit margin (TTM)
37.63%
Operating margin (TTM)
50.29%
Effective tax rate (TTM)
22.83%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
1.61%
Return on equity (TTM)
12.72%
Valuation
Price to earnings (TTM)
12.759
Price to revenue (TTM)
4.787
Price to book
1.55
Price to tangible book (TTM)
1.67
Price to free cash flow (TTM)
10.544
Free cash flow yield (TTM)
9.48%
Free cash flow per share (TTM)
7.224
Dividend yield (TTM)
2.78%
Forward dividend yield
2.78%
Growth
Revenue change (TTM)
13.08%
Earnings per share change (TTM)
17.53%
3-year revenue growth (CAGR)
8.66%
3-year earnings per share growth (CAGR)
9.88%
10-year earnings per share growth (CAGR)
8.50%
3-year dividend per share growth (CAGR)
6.40%
10-year dividend per share growth (CAGR)
5.51%
Bulls say / Bears say
CTBI delivered record second-quarter earnings, with net income up 19% year on year to $29.6 million and diluted EPS up 19% to $1.64. Net interest income rose 12.7%, supported by a 16-basis-point year-on-year improvement in net interest margin. (Community Trust Bancorp)
The bank is growing its core franchise: loans increased 9.0% year on year to $5.1 billion, while deposits including repurchase agreements rose 9.1% to $6.0 billion. This gives CTBI a larger earning-asset base without relying on one dominant depositor. (Community Trust Bancorp)
Shareholder returns are strengthening alongside profits. The board raised the quarterly dividend 22.6% to $0.65 per share, added a one-off $0.06 payment, and extended the dividend-growth record to 46 consecutive years. (Morningstar)
Non-performing loans rose to $29.7 million at June 2026, up $9.0 million in the quarter, while loans more than 90 days past due reached $19.0 million. Charge-offs remain low and reserves cover 211.8% of non-performing loans, but the deterioration needs monitoring as the loan book expands. (Community Trust Bancorp)
Valuation leaves less room for disappointment: recent analysis put CTBI on about 13 times earnings and 1.58 times book value, above the wider US banks industry average on earnings. If profit growth or credit quality weakens, the premium multiple could contract. (Seeking Alpha)
Margin expansion may be slowing. Second-quarter net interest margin rose only one basis point from the previous quarter to 3.80%, while expense on interest-bearing liabilities increased 4.7% sequentially, leaving earnings exposed to higher deposit costs or softer loan yields. (Community Trust Bancorp)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
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Funds containing CTBI
AllEURUSDGBP
Fund name | Fund size | $CTBI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
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