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CTBI

STRONG BUYFLAG

Community Trust Bancorp, Inc. · Financial Services · United States · $1.4B · Avg Vol: $11M/d

88
StockRank
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Q
64
V
43
M
78
P/E (TTM)
12.5x
ROE
12.7%
D/E
0.1x
Dividend %
2.8%
Dir. Trades · 180d
+$4.9K →
Buybacks · 180d
None →
AI CONVICTION THESIS

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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue227.0M230.8M248.6M282.6M7.6%287.0M311.9M324.8M7.2%
EPS4.594.364.615.445.8%5.966.406.499.2%
Shares17.9M18.0M18.1M18.1M+1.1%18.2M———
Debt75.8M81.0M79.5M80.5M2.0%377.5M———
Equity628.0M702.2M757.6M856.1M10.9%————
Op CF99.7M85.8M105.3M105.0M1.7%105.0M———
Inv CF-280.0M-226.6M-335.7M-463.2M—————
Fin CF-2.7M283.5M328.5M352.4M—————
Loading 1Y...
PRICE (1Y)+13.5%
68.0870.5973.1075.6178.12Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$78.12
RSI (14)
76.3
52W High
$78.60
From 52W High
1.0%

SCORE BREAKDOWN

Quality
64
ROIC (ROA)
1.6%*51.3
ROE
12.7%66.4
GP/Assets
4.3%N/A
Op. Margin
51.6%73.6
FCF/Assets
1.5%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.09xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
12.5x54.5
EV/EBITDA
bankN/A
P/FCF
13.7xN/A
P/B
1.5x34.1
P/S
4.7x38.9
Div Yield
2.8%35.9
Momentum
78
52W High %
99%90.9
RS 6M
22%89.7
SMA 50/200
1.14x86.2
EPS Rev 4W
+3.1%94.4
EPS Rev 12W
+3.7%83.6
EPS Improve
+9%30.2
Q Growth
19%54.3

FUNDAMENTALS

Market Cap
$1.4B
P/E (Forward)
11.5x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CTBI are excluded.

TickerCompanyMkt CapStockRankSignal
CTBICommunity Trust Bancorp, Inc.(you)$1.4B88STRONG BUY
BHRBBurke & Herbert Financial Services Corp.$1.4B85STRONG BUY
TMPTompkins Financial Corporation$1.4B90STRONG BUY
PEBOPeoples Bancorp Inc.$1.4B85STRONG BUY
FMBHFirst Mid Bancshares, Inc.$1.4B84STRONG BUY
UVSPUnivest Financial Corporation$1.2B84STRONG BUY
BYByline Bancorp, Inc.$1.8B85STRONG BUY
CFFNCapitol Federal Financial, Inc.$1.1B85STRONG BUY
BFSTBusiness First Bancshares, Inc.$1.0B85STRONG BUY
OFGOFG Bancorp$2.2B88STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Community Trust Bancorp, Inc. (CTBI) — Stock Score Summary

Community Trust Bancorp, Inc. (CTBI) has a MoatMap StockRank of 88/100 based on Quality (64/100), Value (43/100), and Momentum (78/100) factor scores. The current signal is STRONG BUY. Community Trust Bancorp has quality Q64 and momentum M68, but value at V43 is below the calibrated floor, so stage one fails.

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.

Key Financial Metrics

Price$78.12
Market Cap$1.4B
P/E (TTM)12.54
P/E (Forward)11.54
Price/Book1.52
Return on Equity12.7%
Debt/Equity0.09x
Operating Margin51.6%
Revenue Growth11.2%
Dividend Yield2.8%
Free Cash Flow$101M

Community Trust Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Community Trust Bancorp, Inc.’s (CTBI) StockRank?
MoatMap’s StockRank for Community Trust Bancorp, Inc. (CTBI) is 88/100, with a Strong Buy signal. It is a composite of Quality (64), Value (43), and Momentum (78) factor ranks across MoatMap’s 20,000+ stock universe.
Does Community Trust Bancorp, Inc. have an economic moat?
Community Trust Bancorp, Inc. (CTBI) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Community Trust Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Community Trust Bancorp, Inc. (CTBI) is Strong Buy, based on a StockRank of 88/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Community Trust Bancorp, Inc. in?
Community Trust Bancorp, Inc. (CTBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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