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Community Trust Bancorp, Inc. CTBI · Stock Open Community Trust Bancorp, Inc. in new tab

71.18 USD
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P/E
11.56
EPS
5.71
Yield
2.89%
Safety Score
100
P/B
1.38
ROE
12.48
Beta
0.57
Target Price
72.50 USD
1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateJuly 15, 2026
P/E11.56
EPS5.71
Book Value47.99
Price to Book1.38
% Insiders1.430%
Growth
Revenue Growth0.15%
Earnings Growth0.23%
Estimates
Forward P/E10.58
Forward EPS6.24
Target Mean Price72.50
Dividend
Dividend Yield2.89%
Annual dividends2.06 USD
Ex-Div. DateJune 15, 2026
Payout35.91%
5y avg Yield4.05%

DCF Valuation

Tweak assumptions to recompute fair value for Community Trust Bancorp, Inc. (CTBI)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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WACC
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Terminal PV
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Community Trust Bancorp, Inc. Logo Community Trust Bancorp, Inc. Analysis (CTBI)

United States Financials Official Website Stock

Is Community Trust Bancorp, Inc. a good investment? Community Trust Bancorp, Inc. (CTBI) is currently trading at 71.18 USD. Market analysts have a consensus price target of 72.50 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 11.56. This relatively low multiple may signal that Community Trust Bancorp, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Community Trust Bancorp, Inc. is expected to release its next earnings report on July 15, 2026. The market consensus estimate for Forward EPS is 6.24.

For income investors, Community Trust Bancorp, Inc. pays a dividend yield of 2.89%. With a payout ratio of 36%, the dividend appears sustainable.

Investor FAQ

Does Community Trust Bancorp, Inc. pay a dividend?

Yes, it pays an annual dividend of 2.06 USD (2.89% yield).

What asset class is Community Trust Bancorp, Inc.?

Community Trust Bancorp, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 15, 2026. The company currently has a trailing EPS of 5.71.

Company Profile

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

Exchange Ticker
NMS (United States) CTBI
Trades
Dividend Yield
2.89%
5y avg 4.05%
Annual Dividends
2.06USD
Next Ex. Div Date
June 15, 2026
Payout Ratio
35.91%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
1.11 USD
April 1, 2027 (estimated) 0.5562
Jan. 1, 2027 (estimated) 0.5562
▸2026
2.15 USD
Oct. 1, 2026 (estimated) 0.5573
July 1, 2026 0.5300
April 1, 2026 0.5300
Jan. 2, 2026 0.5300
▸2025
1.94 USD
Oct. 1, 2025 0.5300
July 1, 2025 0.4700
April 1, 2025 0.4700
Jan. 2, 2025 0.4700
▸2024
1.85 USD
Oct. 1, 2024 0.4700
July 1, 2024 0.4600
April 1, 2024 0.4600
Jan. 1, 2024 0.4600
▸2023
1.78 USD
Oct. 2, 2023 0.4600
July 1, 2023 0.4400
April 1, 2023 0.4400
Jan. 1, 2023 0.4400
▸2022
1.64 USD
Oct. 1, 2022 0.4400
July 1, 2022 0.4000
April 1, 2022 0.4000
Jan. 1, 2022 0.4000
▸2021
1.56 USD
Oct. 1, 2021 0.4000
July 1, 2021 0.3850
April 1, 2021 0.3850
Jan. 1, 2021 0.3850
▸2020
1.53 USD
Oct. 1, 2020 0.3850
July 1, 2020 0.3800
April 1, 2020 0.3800
Jan. 1, 2020 0.3800
▸2019
1.46 USD
Oct. 1, 2019 0.3800
July 1, 2019 0.3600
April 1, 2019 0.3600
Jan. 1, 2019 0.3600
▸2018
1.35 USD
Oct. 1, 2018 0.3600
July 1, 2018 0.3300
April 1, 2018 0.3300
Jan. 1, 2018 0.3300
▸2017
1.29 USD
Oct. 1, 2017 0.3300
July 1, 2017 0.3200
April 1, 2017 0.3200
Jan. 1, 2017 0.3200
▸2016
1.25 USD
Oct. 1, 2016 0.3200
July 1, 2016 0.3100
April 1, 2016 0.3100
Jan. 1, 2016 0.3100
▸2015
1.21 USD
Oct. 1, 2015 0.3100
July 1, 2015 0.3000
April 1, 2015 0.3000
Jan. 1, 2015 0.3000
▸2014
1.23 USD
Oct. 1, 2014 0.3000
July 1, 2014 0.2900
April 1, 2014 0.3200
Jan. 1, 2014 0.3200
▸2013
1.27 USD
Oct. 1, 2013 0.3200
July 1, 2013 0.3150
April 1, 2013 0.3150
Jan. 2, 2013 0.3150
▸2012
1.25 USD
Oct. 1, 2012 0.3150
July 1, 2012 0.3100
April 1, 2012 0.3100
Jan. 3, 2012 0.3100
▸2011
1.22 USD
Oct. 1, 2011 0.3100
July 1, 2011 0.3050
April 1, 2011 0.3050
Jan. 1, 2011 0.3050
▸2010
1.21 USD
Oct. 1, 2010 0.3050
July 1, 2010 0.3000
April 1, 2010 0.3000
Jan. 1, 2010 0.3000
▸2009
1.20 USD
Oct. 1, 2009 0.3000
July 1, 2009 0.3000
April 1, 2009 0.3000
Jan. 1, 2009 0.3000
▸2008
1.16 USD
Oct. 1, 2008 0.2900
July 1, 2008 0.2900
April 1, 2008 0.2900
Jan. 1, 2008 0.2900
▸2007
1.08 USD
Oct. 1, 2007 0.2700
July 1, 2007 0.2700
April 1, 2007 0.2700
Jan. 1, 2007 0.2700
▸2006
1.04 USD
Oct. 1, 2006 0.2600
July 1, 2006 0.2600
April 1, 2006 0.2600
Jan. 1, 2006 0.2600
▸2005
0.96 USD
Oct. 1, 2005 0.2400
July 1, 2005 0.2400
April 1, 2005 0.2400
Jan. 1, 2005 0.2400
▸2004
0.92 USD
Oct. 1, 2004 0.2300
July 1, 2004 0.2300
April 1, 2004 0.2300
Jan. 1, 2004 0.2300
▸2003
0.86 USD
Oct. 1, 2003 0.2300
July 1, 2003 0.2100
April 1, 2003 0.2100
Jan. 1, 2003 0.2100
▸2002
0.84 USD
Oct. 1, 2002 0.2100
July 1, 2002 0.2100
April 1, 2002 0.2100
Jan. 1, 2002 0.2100
▸2001
0.80 USD
Oct. 1, 2001 0.2000
July 1, 2001 0.2000
April 1, 2001 0.2000
Jan. 1, 2001 0.2000
▸2000
0.97 USD
Oct. 1, 2000 0.1900
July 1, 2000 0.1900
June 28, 2000 0.1900
April 1, 2000 0.2000
Jan. 1, 2000 0.2000
▸1999
0.82 USD
Oct. 1, 1999 0.2000
July 1, 1999 0.2000
April 1, 1999 0.2100
Jan. 1, 1999 0.2100
▸1998
0.80 USD
Oct. 1, 1998 0.2000
Aug. 3, 1998 0.2000
April 1, 1998 0.2000
Jan. 1, 1998 0.2000
▸1997
0.76 USD
Oct. 1, 1997 0.1800
July 1, 1997 0.1800
April 1, 1997 0.2000
Jan. 1, 1997 0.2000
▸1996
0.72 USD
Oct. 1, 1996 0.1800
July 1, 1996 0.1800
April 1, 1996 0.1800
Jan. 1, 1996 0.1800
▸1995
0.48 USD
Oct. 1, 1995 0.1600
July 1, 1995 0.1600
April 1, 1995 0.1600
▸1994
0.67 USD
Oct. 1, 1994 0.1500
July 1, 1994 0.1500
April 1, 1994 0.1500
Jan. 1, 1994 0.2250
▸1993
0.80 USD
Sept. 9, 1993 0.2000
July 1, 1993 0.2000
April 1, 1993 0.2000
Jan. 1, 1993 0.2000
▸1992
0.95 USD
Oct. 1, 1992 0.1900
July 1, 1992 0.1900
April 1, 1992 0.2850
Jan. 1, 1992 0.2850
▸1991
0.27 USD
Oct. 1, 1991 0.2700
▸1990
1.00 USD
Oct. 1, 1990 0.2500
July 1, 1990 0.2500
April 1, 1990 0.2500
Jan. 1, 1990 0.2500
▸1989
0.92 USD
Oct. 1, 1989 0.2300
July 1, 1989 0.2300
April 1, 1989 0.2300
Jan. 1, 1989 0.2300
▸1988
0.63 USD
Oct. 1, 1988 0.2100
June 15, 1988 0.2100
April 1, 1988 0.2100
Upcoming Dividends
Name Payment Date Status Amount
Community Trust Bancorp, Inc. Jul 01, 2026 Upcoming 0.53 USD
Community Trust Bancorp, Inc. Apr 01, 2026 0.53 USD
Community Trust Bancorp, Inc. Jan 02, 2026 0.53 USD
Community Trust Bancorp, Inc. Oct 01, 2025 0.53 USD
Stock Splits
Split Date Split Ratio to 1
March 16, 2000 1.100000
Nov. 26, 2002 1.100000
Nov. 26, 2003 1.100000
Nov. 29, 2004 1.100000
May 13, 2014 1.100000
March 17, 1999 1.100000
March 12, 1997 1.100000
Feb. 2, 1994 1.500000
May 4, 1992 1.500000
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