Community Trust Bancorp Stock Analysis

CTBI Stock  USD 56.86  0.08  0.14%   
Community Trust Bancorp is undervalued with Real Value of 60.6 and Target Price of 56.5. The main objective of Community Trust stock analysis is to determine its intrinsic value, which is an estimate of what Community Trust Bancorp is worth, separate from its market price. There are two main types of Community Trust's stock analysis: fundamental analysis and technical analysis.
The Community Trust stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Community Trust's ongoing operational relationships across important fundamental and technical indicators.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Community Trust Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Community Stock Analysis Notes

About 64.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.28. Some equities with similar Price to Book (P/B) outperform the market in the long run. Community Trust Bancorp recorded earning per share (EPS) of 5.07. The entity last dividend was issued on the 13th of June 2025. The firm had 11:10 split on the 13th of May 2014. Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky. Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 964 people. For more info on Community Trust Bancorp please contact Mark CTB at 606 432 1414 or go to https://www.ctbi.com.

Community Trust Quarterly Total Revenue

96.95 Million

Community Trust Bancorp Investment Alerts

About 64.0% of the company shares are held by institutions such as insurance companies
On 1st of July 2025 Community Trust paid $ 0.47 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Community Trust Bancorp Second Quarter 2025 Earnings Beats Expectations

Community Trust Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Community Trust previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
17th of April 2024
Upcoming Quarterly Report
View
17th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
15th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Community Largest EPS Surprises

Earnings surprises can significantly impact Community Trust's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2001-01-17
2000-12-310.30.330.0310 
1997-07-14
1997-06-300.280.25-0.0310 
1997-04-24
1997-03-310.280.25-0.0310 
View All Earnings Estimates

Community Trust Environmental, Social, and Governance (ESG) Scores

Community Trust's ESG score is a quantitative measure that evaluates Community Trust's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Community Trust's operations that may have significant financial implications and affect Community Trust's stock price as well as guide investors towards more socially responsible investments.

Community Stock Institutional Investors

Shares
Heartland Advisors Inc2025-03-31
169 K
Aqr Capital Management Llc2025-03-31
139.8 K
Hotchkis & Wiley Capital Management Llc2025-03-31
131.2 K
Charles Schwab Investment Management Inc2025-03-31
124.8 K
Bridgeway Capital Management, Llc2025-03-31
122.7 K
Fmr Inc2025-03-31
121.7 K
Goldman Sachs Group Inc2025-03-31
115.2 K
Nuveen Asset Management, Llc2024-12-31
111.5 K
Bank Of New York Mellon Corp2025-03-31
111.4 K
Community Trust & Investment Co2025-06-30
M
Blackrock Inc2025-03-31
1.7 M
Note, although Community Trust's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Community Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.03 B.

Community Profitablity

The company has Profit Margin (PM) of 0.35 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.47 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.47.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.12  0.09 
Return On Assets 0.01  0.01 
Return On Equity 0.11  0.12 

Management Efficiency

Community Trust Bancorp has return on total asset (ROA) of 0.0142 % which means that it generated a profit of $0.0142 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1154 %, meaning that it created $0.1154 on every $100 dollars invested by stockholders. Community Trust's management efficiency ratios could be used to measure how well Community Trust manages its routine affairs as well as how well it operates its assets and liabilities. The Community Trust's current Return On Equity is estimated to increase to 0.12, while Return On Tangible Assets are projected to decrease to 0.01. As of now, Community Trust's Asset Turnover is decreasing as compared to previous years.
Last ReportedProjected for Next Year
Book Value Per Share 42.21  44.32 
Tangible Book Value Per Share 38.15  40.05 
Enterprise Value Over EBITDA 8.08  8.77 
Price Book Value Ratio 1.26  1.62 
Enterprise Value Multiple 8.08  8.77 
Price Fair Value 1.26  1.62 
Community Trust's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.033
Operating Margin
0.4686
Profit Margin
0.3527
Forward Dividend Yield
0.0355
Beta
0.601

Technical Drivers

As of the 22nd of July, Community Trust shows the Downside Deviation of 1.12, mean deviation of 1.09, and Risk Adjusted Performance of 0.2148. Community Trust Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Community Trust Bancorp Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Simple Moving Average indicator is calculated by adding the closing price of Community Trust for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Community Trust Bancorp short-term fluctuations and highlight longer-term trends or cycles.

Community Trust Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Community Trust insiders, such as employees or executives, is commonly permitted as long as it does not rely on Community Trust's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Community Trust insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Community Trust Outstanding Bonds

Community Trust issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Community Trust Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Community bonds can be classified according to their maturity, which is the date when Community Trust Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Community Trust Predictive Daily Indicators

Community Trust intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Community Trust stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Community Trust Corporate Filings

8K
16th of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F3
11th of July 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
27th of June 2025
Other Reports
ViewVerify
8K
26th of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
23rd of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
2nd of June 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
9th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
30th of April 2025
Other Reports
ViewVerify

Community Trust Forecast Models

Community Trust's time-series forecasting models are one of many Community Trust's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Community Trust's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Community Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Community Trust prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Community shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Community Trust. By using and applying Community Stock analysis, traders can create a robust methodology for identifying Community entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.28  0.19 
Operating Profit Margin 0.28  0.19 
Net Profit Margin 0.22  0.14 
Gross Profit Margin 0.63  0.54 

Current Community Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Community analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Community analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
56.5Strong Buy2Odds
Community Trust Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Community analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Community stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Community Trust Bancorp, talking to its executives and customers, or listening to Community conference calls.
Community Analyst Advice Details

Community Stock Analysis Indicators

Community Trust Bancorp stock analysis indicators help investors evaluate how Community Trust stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Community Trust shares will generate the highest return on investment. By understating and applying Community Trust stock analysis, traders can identify Community Trust position entry and exit signals to maximize returns.
Begin Period Cash Flow271.4 M
Long Term Debt64.3 M
Common Stock Shares Outstanding18 M
Total Stockholder Equity757.6 M
Total Cashflows From Investing Activities-335.7 M
Tax Provision23.9 M
Quarterly Earnings Growth Y O Y0.173
Property Plant And Equipment Net64 M
Cash And Short Term Investments1.4 B
Cash369.8 M
Accounts Payable8.4 M
Net Debt-49.6 M
50 Day M A52.6426
Total Current Liabilities5.3 B
Other Operating Expenses269.3 M
Non Current Assets Total4.7 B
Forward Price Earnings11.2233
Non Currrent Assets Other141.4 M
Stock Based Compensation1.4 M

Complementary Tools for Community Stock analysis

When running Community Trust's price analysis, check to measure Community Trust's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community Trust is operating at the current time. Most of Community Trust's value examination focuses on studying past and present price action to predict the probability of Community Trust's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community Trust's price. Additionally, you may evaluate how the addition of Community Trust to your portfolios can decrease your overall portfolio volatility.
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