Community Trust Bank/$CTBI
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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 southcentral 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.
Ticker
$CTBI
Sector
Primary listing
Employees
929
Headquarters
Website
CTBI Metrics
BasicAdvanced
$933M
9.97
$5.17
0.58
$1.94
4.11%
Price and volume
Market cap
$933M
Beta
0.58
52-week high
$59.67
52-week low
$44.60
Average daily volume
72K
Dividend rate
$1.94
Financial strength
Profitability
Net profit margin (TTM)
35.68%
Operating margin (TTM)
47.83%
Effective tax rate (TTM)
22.95%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
1.48%
Return on equity (TTM)
11.72%
Valuation
Price to earnings (TTM)
9.966
Price to revenue (TTM)
3.547
Price to book
1.12
Price to tangible book (TTM)
1.22
Dividend yield (TTM)
3.77%
Forward dividend yield
4.11%
Growth
Revenue change (TTM)
13.97%
Earnings per share change (TTM)
17.48%
3-year revenue growth (CAGR)
6.34%
3-year earnings per share growth (CAGR)
5.44%
10-year earnings per share growth (CAGR)
7.28%
3-year dividend per share growth (CAGR)
5.76%
10-year dividend per share growth (CAGR)
4.83%
Bulls say / Bears say
Community Trust Bancorp reported record Q2 2025 net income of $24.9 million, or $1.38 per share, marking a 28% year-over-year increase and surpassing prior quarter results, underscoring robust profitability. (Business Wire)
The bank’s return on average equity rose to 12.51% in Q2 2025 from 11.03% a year earlier, reflecting improved capital efficiency and strong shareholder returns. (Business Wire)
Community Trust Bancorp’s efficiency ratio improved to 50.70% in Q2 2025 from 52.17% in Q2 2024, indicating effective cost management relative to revenue generation. (Business Wire)
Total nonperforming loans increased to $24.4 million at June 30, 2025, up $4.6 million year-over-year, signaling rising asset‐quality pressure in the loan portfolio. (Nasdaq)
Net unrealized losses on securities stood at $80.6 million at June 30, 2025, reflecting exposure to interest-rate volatility that could pressure capital if losses are realized. (Nasdaq)
CTBI shares have declined approximately 11.3% year-to-date through mid-April 2025, underperforming the S&P 500’s 8.3% drop and indicating market skepticism about the bank’s outlook. (Zacks)
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2025.
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FAQs
What’s the current market cap for Community Trust Bank stock?
Community Trust Bank (CTBI) has a market cap of $933M as of November 01, 2025.
What is the P/E ratio for Community Trust Bank stock?
The price to earnings (P/E) ratio for Community Trust Bank (CTBI) stock is 9.97 as of November 01, 2025.
Does Community Trust Bank stock pay dividends?
Yes, the Community Trust Bank (CTBI) stock pays dividends to shareholders. As of November 01, 2025, the dividend rate is $1.94 and the yield is 4.11%. Community Trust Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Community Trust Bank dividend payment date?
The next Community Trust Bank (CTBI) dividend payment is scheduled for January 02, 2026.
What is the beta indicator for Community Trust Bank?
Community Trust Bank (CTBI) has a beta rating of 0.58. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.