Community Trust Bancorp, Inc. (CTBI) Stock

Community Trust Bancorp, Inc. (CTBI) is a Financials stock trading at $76.53 (as of 2026-08-21), with a market capitalization of $1.39B and a trailing P/E of 12.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Community Trust Bancorp, Inc. is the bank holding company for Community Trust Bank, Inc., providing commercial and personal banking services to small and mid-sized communities. It offers deposit and loan products, cash management and payment services, and trust and wealth management services, including securities brokerage and related financial services.

Understand Community Trust Bancorp, Inc.: how it makes money

Community Trust Bancorp provides commercial and personal banking, taking deposits and making loans, with income generated from banking activities tied to funding levels, loan performance, and operating efficiency.

CTBI’s profit model is driven by how it funds itself with Deposits Including Repurchase Agreements, how healthy its loan book is (Nonaccrual Loans, Nonperforming Loans Percentage), and how efficiently it runs operations (Efficiency Ratio).

Business quality (Strong): The quarter shows a relatively small credit stress footprint (Nonperforming Loans Percentage 0.51%, Nonaccrual Loans 0.02 USD_B) alongside measurable operating efficiency (Efficiency Ratio 48.72%), but credit risk can still change quickly for a bank, and results remain sensitive to loan quality and cost control.

Valuation: At 12× earnings, CTBI trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit quality signals: Nonperforming Loans Percentage is 0.51%, and Nonaccrual Loans are 0.02 USD_B.
  • Loss coverage: Allowance for Credit Losses Reserve Coverage is 295.8%, providing a cushion versus expected losses.

Bear case

  • Credit outcomes can worsen: Accruing loans past due are present (Accruing Loans 30 to 89 Days Past Due at 0.02 USD_B, and Accruing Loans 90+ Days Past Due at 0.01 USD_B), and the bank’s earnings can be pressured if these rise.
  • Operating efficiency remains a key swing factor: The Efficiency Ratio is 48.72%, so higher operating costs or weaker income could compress results if efficiency does not hold.
Valuation — source: SEC EDGAR (first-party)
Price$76.53
Market Cap$1.39B
P/E Ratio12.9
EV / EBITDA6.1
Price / Book1.56
Price / Sales3.89
FCF Yield9.4%
DCF Value (model)$93.72
DCF Upside vs Price22.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$345.72M
Net Margin28.4%
Revenue Growth (YoY)6.6%
EPS Growth (YoY)18.8%
FCF Growth (YoY)217.4%
Valuation vs Sector & Industry
Stock P/E12.9
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-14.9%
vs Industry-0.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($98.78M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOMark A. Gooch
Employees939
CountryUS
IPO Date1987-12-29

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Origin Bancorp, Inc. (OBK)
  • Lakeland Financial Corporation (LKFN)
  • Amalgamated Financial Corp. (AMAL)
  • Peoples Bancorp Inc. (PEBO)
  • Tompkins Financial Corporation (TMP)
  • First Mid Bancshares, Inc. (FMBH)
  • HBT Financial, Inc. (HBT)
  • Old Second Bancorp, Inc. (OSBC)
CTBI earnings history · CTBI institutional & insider holders · CTBI KPIs & operating metrics · CTBI financials · CTBI investor presentations & press releases · CTBI SEC filings · CTBI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.