Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CTBI
BuyPremium GrowerFLAGCommunity Trust Bancorp, Inc. · Financial Services · United States · $1.4B · Avg Vol: $7M/d
Community Trust Bancorp has quality Q64 and momentum M68, but value at V43 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
Community Trust Bancorp, Inc. is a community-focused bank holding company providing a full range of banking, trust, and wealth management services across Kentucky, West Virginia, and Tennessee. The company differentiates itself through deep local market penetration and personalized customer relationships, serving both individuals and small to medium-sized businesses. Its regional expertise and commitment to community engagement foster loyalty and a stable client base, reinforcing its competitive position.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 227.0M | 230.8M | 248.6M | 282.6M | 7.6% | 287.0M | 312.1M | 326.3M | 7.5% |
| EPS | 4.59 | 4.36 | 4.61 | 5.44 | 5.8% | 5.97 | 6.39 | 6.51 | 9.4% |
| Shares | 17.9M | 18.0M | 18.1M | 18.1M | +1.1% | 18.2M | — | — | — |
| Debt | 75.8M | 81.0M | 79.5M | 80.5M | 2.0% | 377.5M | — | — | — |
| Equity | 628.0M | 702.2M | 757.6M | 856.1M | 10.9% | — | — | — | — |
| Op CF | 99.7M | 85.8M | 105.3M | 105.0M | 1.7% | 136.0M | — | — | — |
| Inv CF | -280.0M | -226.6M | -335.7M | -463.2M | — | — | — | — | — |
| Fin CF | -2.7M | 283.5M | 328.5M | 352.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CTBI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CTBI | Community Trust Bancorp, Inc.(you) | $1.4B | 78 | Buy |
| PEBO | Peoples Bancorp Inc. | $1.4B | 73 | Buy |
| UVSP | Univest Financial Corporation | $1.1B | 74 | Buy |
| HBT | HBT Financial, Inc. | $1.3B | 85 | Strong Buy |
| FMBH | First Mid Bancshares, Inc. | $1.3B | 70 | Buy |
| TMP | Tompkins Financial Corporation | $1.4B | 87 | Strong Buy |
| BFST | Business First Bancshares, Inc. | $1.0B | 75 | Buy |
| BY | Byline Bancorp, Inc. | $1.7B | 73 | Buy |
| CFFN | Capitol Federal Financial, Inc. | $1.1B | 73 | Buy |
| FMNB | Farmers National Banc Corp. | $929M | 81 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%