Community Trust Bancorp Inc (CTBI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 78.50 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 17.0% passed
- More than 10% revenue growth is expected for the coming year 4.3% failed
- Share count grows by less than 3% a year 0.4% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 32.7% failed
- Gross margin at 40% or higher and without meaningful erosion 66.7% passed
- Goodwill from acquisitions does not grow faster than revenue 1.0% passed
- Net debt below twice EBITDA 0.2 x EBITDA passed
- Operating cash flow covers the profits of the last three years 37 m passed
- Return on capital at 15% or higher, or up versus two years ago 12.9% passed
- Insiders hold at least 10% or are net buyers 1.4% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 3.6% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.39 | 6.31 – 6.47 | 313 | 17.6% | 3 |
| 12/31/2027 | 6.47 | 6.45 – 6.50 | 326 | 1.4% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.65 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.25 | 20.00 | 98 | 12.70 | 22.90 | 22 | 19 |
| 2025: Q1 | 1.22 | 17.10 | 97 | 7.60 | 22.70 | 37 | 35 |
| 2025: Q2 | 1.38 | 27.10 | 102 | 10.20 | 24.50 | 16 | 14 |
| 2025: Q3 | 1.32 | 7.60 | 105 | 9.60 | 22.90 | 38 | 36 |
| 2025: Q4 | 1.51 | 20.90 | 106 | 8.10 | 25.70 | 15 | 8 |
| 2026: Q1 | 1.50 | 23.40 | 103 | 6.40 | 26.40 | 40 | 38 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 195 | 66 | 47 | 2.70 | 61 | 501 | 3,932 |
| 2017 | 204 | 69 | 51 | 2.92 | 62 | 531 | 4,136 |
| 2018 | 223 | 71 | 59 | 3.35 | 65 | 564 | 4,202 |
| 2019 | 236 | 72 | 65 | 3.64 | 83 | 615 | 4,366 |
| 2020 | 231 | 70 | 60 | 3.35 | 62 | 655 | 5,139 |
| 2021 | 239 | 111 | 88 | 4.94 | 116 | 698 | 5,418 |
| 2022 | 256 | 101 | 82 | 4.58 | 100 | 628 | 5,380 |
| 2023 | 326 | 99 | 78 | 4.36 | 86 | 702 | 5,770 |
| 2024 | 376 | 107 | 83 | 4.61 | 105 | 758 | 6,193 |
| 2025 | 409 | 127 | 98 | 5.43 | 105 | 856 | 6,684 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Community Trust Bancorp, Inc. ist die Bankholding der Community Trust Bank, Inc.
| Employees | 970 |
|---|---|
| Headquarters | Pikeville, KY |
| Address | 346 North Mayo Trail, 41502 Pikeville, United States |
| Phone | 606 432 1414 |
| Website | ctbi.com |
| IPO Date | 17. May 1993 |
| ISIN | US2041491083 |
| Stock Split | 11:10 on 05/13/2014 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Mark A. Gooch | CEO, Chairman & President | 1959 |
| Kevin J. Stumbo CPA | Executive VP, CFO & Treasurer | 1960 |
| Charles Wayne Hancock II | Secretary, Executive VP & Corporate Counsel | 1975 |
| Richard W. Newsom | Executive VP & Director | 1954 |
| Ricky D. Sparkman | Executive Vice President | 1962 |
| Thomas E. McCoy | Executive Vice President | 1969 |
| David Andrew Jones | Executive Vice President | 1963 |
| Andy D. Waters | Executive Vice President | 1965 |
| David I. Tackett | Executive Vice President | 1965 |
| Billie J. Dollins | Executive Vice President | 1960 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 17. Jul 2026 | Stumbo Kevin J | EVP, CFO, & Treasurer | Other | 50 | 74.82 | 3,741 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.