CTBI - Community Trust Bancorp Inc Stock Price, Fair Value and News

43.92USD+0.53 (+1.22%)Market Closed

Market Summary

USD43.92+0.53

Market Closed

1.22%

CTBI Stock Price

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CTBI RSI Chart

CTBI Valuation

Market Cap

791.5M

Price/Earnings (Trailing)

10.15

Price/Sales (Trailing)

2.95

EV/EBITDA

1.88

Price/Free Cashflow

9.97

CTBI Price/Sales (Trailing)

CTBI Profitability

EBT Margin

36.69%

Return on Equity

11.11%

Return on Assets

1.35%

Free Cashflow Yield

10.03%

CTBI Fundamentals

CTBI Revenue

Revenue (TTM)

268.6M

Rev. Growth (Yr)

27.62%

Rev. Growth (Qtr)

5.51%

CTBI Earnings

Earnings (TTM)

78.0M

Earnings Growth (Yr)

-16.86%

Earnings Growth (Qtr)

-9.55%

Breaking Down CTBI Revenue

Last 7 days

2.8%

Last 30 days

5.7%

Last 90 days

11.1%

Trailing 12 Months

30.2%

How does CTBI drawdown profile look like?

CTBI Financial Health

Debt/Equity

0.09

Debt/Cashflow

1.4

CTBI Investor Care

Dividend Yield

4.1%

Dividend/Share (TTM)

1.8

Shares Dilution (1Y)

0.25%

Diluted EPS (TTM)

4.36

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	215.2M	234.7M	252.8M	268.6M
2022	177.5M	179.0M	184.6M	197.7M
2021	176.0M	174.9M	177.0M	178.2M
2020	184.2M	182.4M	179.0M	176.4M
2019	176.8M	181.6M	184.9M	185.4M
2018	159.5M	163.1M	166.9M	171.4M
2017	146.8M	148.9M	152.0M	155.7M
2016	144.8M	145.1M	145.9M	146.6M
2015	143.9M	144.2M	144.1M	144.0M
2014	147.0M	146.1M	144.6M	143.9M
2013	151.7M	150.1M	149.1M	148.1M
2012	157.4M	155.9M	154.7M	153.7M
2011	155.9M	157.3M	158.7M	158.5M
2010	0	153.5M	154.0M	154.5M
2009	0	0	0	153.1M

Get all data in R, Python etc through our Historical Stock Data APIs

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

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Tracking the Latest Insider Buys and Sells of Community Trust Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 01, 2024	newsom richard w	bought	3,868	42.0984	91.8985	president
Mar 15, 2024	minnifield franky	bought	78,559	39.2799	2,000	board of director
Feb 13, 2024	sandlin jefferson f	bought	19,924	39.0666	510	-
Jan 26, 2024	tackett david i	bought	2,930	41.86	70.00	executive vice president
Jan 26, 2024	waters andy d	bought	6,446	41.86	154	executive vice president
Jan 26, 2024	newsom richard w	bought	7,158	41.86	171	president
Jan 26, 2024	dollins billie j.	bought	2,302	41.86	55.00	executive vice president
Jan 26, 2024	stumbo kevin j	bought	7,785	41.86	186	evp, cfo, & treasurer
Jan 26, 2024	smith mark edward	bought	2,176	41.86	52.00	executive vice president
Jan 26, 2024	jones david andrew	bought	6,320	41.86	151	executive vice president

Which funds bought or sold CTBI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	HEARTLAND ADVISORS INC	added	216	4,658,810	6,896,500	0.36%
May 07, 2024	Swiss National Bank	unchanged	-	-36,529	1,287,600	-%
May 07, 2024	THOROUGHBRED FINANCIAL SERVICES, LLC	sold off	-100	-2,876,000	-	-%
May 07, 2024	ClariVest Asset Management LLC	added	0.19	-17,445	659,710	0.07%
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	reduced	-47.92	-207,986	213,421	-%
May 07, 2024	Empowered Funds, LLC	added	115	2,542,320	4,853,910	0.04%
May 07, 2024	CLIFFORD CAPITAL PARTNERS LLC	reduced	-7.53	-1,439,120	12,835,600	3.26%
May 07, 2024	SEI INVESTMENTS CO	added	0.95	-5,254	280,721	-%
May 07, 2024	NEW YORK STATE COMMON RETIREMENT FUND	reduced	-0.07	-9,000	291,000	-%
May 06, 2024	NEW YORK LIFE INVESTMENT MANAGEMENT LLC	sold off	-100	-399,170	-	-%

Are Funds Buying or Selling CTBI?

Are funds buying CTBI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CTBI

No. of Funds

Unveiling Community Trust Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	dimensional fund advisors lp	6.4%	1,158,760	SC 13G/A
Jan 25, 2024	blackrock inc.	8.6%	1,551,125	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	6.4%	1,140,512	SC 13G/A
Feb 09, 2023	vanguard group inc	4.78%	855,831	SC 13G/A
Jan 25, 2023	blackrock inc.	8.7%	1,552,059	SC 13G/A
Feb 09, 2022	vanguard group inc	5.38%	960,550	SC 13G
Feb 08, 2022	dimensional fund advisors lp	5.9%	1,055,189	SC 13G/A
Feb 01, 2022	blackrock inc.	8.0%	1,433,516	SC 13G/A
Feb 12, 2021	dimensional fund advisors lp	6.3%	1,117,808	SC 13G/A
Jan 29, 2021	blackrock inc.	7.4%	1,309,315	SC 13G/A

Recent SEC filings of Community Trust Bancorp Inc

View All Filings

Date Filed	Form Type	Document
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report
Apr 17, 2024	8-K	Current Report
Mar 21, 2024	ARS	ARS
Mar 18, 2024	DEF 14A	DEF 14A
Mar 15, 2024	4	Insider Trading
Mar 11, 2024	3/A	Insider Trading
Mar 11, 2024	4/A	Insider Trading
Mar 11, 2024	4/A	Insider Trading

Peers (Alternatives to Community Trust Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	561.8B	174.7B	-1.43%	43.42%	11.16	3.22	53.11%	19.83%
BAC	294.9B	127.4B	0.56%	36.33%	11.78	2.14	56.12%	-12.56%
WFC	213.5B	85.8B	5.95%	58.87%	11.37	2.49	35.02%	26.14%
C	119.7B	125.0B	1.65%	34.89%	14.97	0.96	37.85%	-
CFG	16.4B	10.4B	2.86%	37.97%	11.43	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.78%	54.53%	16.2	1.74	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-0.20%	48.47%	10.28	1.68	34.68%	-45.96%
ZION	6.5B	3.9B	2.65%	80.71%	9.61	1.66	45.91%	-25.03%
ABCB	3.4B	1.3B	4.29%	69.14%	12.73	2.67	43.24%	-22.35%
ASB	3.4B	1.8B	4.48%	49.83%	21.01	1.66	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	399.1M	152.4M	-4.27%	48.11%	40.14	2.62	16.94%	-73.84%
AROW	395.5M	162.6M	1.49%	18.80%	13.15	2.43	25.39%	-38.37%
ACNB	273.7M	96.6M	-9.35%	14.97%	8.64	2.83	11.02%	-11.37%
ASRV	42.4M	60.9M	6.93%	-11.15%	-12.66	0.7	24.06%	-144.92%

Community Trust Bancorp Inc News

Latest updates

Community Trust Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	5.5%	73.00	69.00	65.00	61.00	57.00	51.00	45.00	44.00	44.00	46.00	44.00	44.00	43.00	44.00	45.00	45.00	46.00	47.00	47.00	46.00	45.00
EBITDA Margin	-7.7%	1.03*	1.12*	1.20*	1.30*	1.39*	1.46*	1.50*	1.54*	1.56*	1.54*	1.50*	1.44*	-	-	-	-	-	-	-	-	-
Interest Expenses	-0.4%	43.00	43.00	43.00	44.00	45.00	44.00	41.00	40.00	41.00	42.00	40.00	40.00	39.00	38.00	38.00	36.00	36.00	37.00	36.00	36.00	36.00
Income Taxes	-13.1%	5.00	5.00	5.00	5.00	4.00	5.00	5.00	5.00	5.00	5.00	6.00	6.00	3.00	3.00	4.00	0.00	3.00	3.00	-1.64	4.00	3.00
Earnings Before Taxes	-10.3%	23.00	26.00	25.00	25.00	27.00	24.00	25.00	25.00	24.00	26.00	30.00	30.00	19.00	21.00	23.00	7.00	19.00	18.00	17.00	19.00	19.00
EBT Margin	-9.1%	0.37*	0.40*	0.43*	0.47*	0.51*	0.53*	0.56*	0.59*	0.62*	0.60*	0.57*	0.53*	-	-	-	-	-	-	-	-	-
Net Income	-9.5%	19.00	21.00	19.00	19.00	22.00	19.00	20.00	20.00	19.00	21.00	24.00	24.00	16.00	17.00	20.00	7.00	16.00	15.00	18.00	15.00	16.00
Net Income Margin	-10.3%	0.29*	0.32*	0.34*	0.38*	0.41*	0.43*	0.45*	0.47*	0.49*	0.48*	0.46*	0.44*	-	-	-	-	-	-	-	-	-
Free Cashflow	-15.9%	19.00	22.00	14.00	24.00	25.00	24.00	18.00	26.00	33.00	11.00	38.00	31.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	2.4%	5,770	5,635	5,521	5,529	5,380	5,474	5,447	5,443	5,418	5,386	5,494	5,360	5,139	5,020	5,023	4,353	4,366	4,338	4,377	4,313	4,202
Cash Equivalents	23.8%	271	219	110	236	129	260	214	164	312	208	454	423	338	258	478	193	265	222	322	254	141
Net PPE	0.8%	45.00	45.00	43.00	43.00	43.00	42.00	41.00	41.00	40.00	40.00	40.00	41.00	42.00	42.00	43.00	44.00	44.00	44.00	44.00	45.00	45.00
Goodwill	0.0%	66.00	65.00	65.00	66.00	65.00	66.00	66.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00	65.00
Liabilities	1.7%	5,067	4,982	4,861	4,872	4,752	4,872	4,815	4,790	4,720	4,694	4,810	4,698	4,484	4,376	4,391	3,740	3,751	3,732	3,783	3,736	3,637
Shareholder's Equity	7.5%	702	653	660	657	628	603	632	653	698	692	684	662	655	644	632	613	615	606	595	578	564
Retained Earnings	2.2%	484	474	462	450	439	424	412	399	387	375	361	344	327	318	307	294	297	287	279	267	259
Additional Paid-In Capital	0.3%	231	231	230	229	229	228	228	228	227	227	226	226	226	225	225	224	225	224	224	223	223
Shares Outstanding	0.0%	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	613	-	-	-	693	-	-	-	686	-	-	-	553	-	-	-	715	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-20.6%	19,966	25,142	15,451	25,173	27,270	26,232	18,832	27,350	33,761	11,990	38,238	31,706	20,189	17,568	10,898	13,724	21,368	40,454	9,546	12,090	13,463
Share Based Compensation	-	606	-	411	377	620	-	-	484	326	200	-	213	476	-	-	228	428	8.00	10.00	200	239
Cashflow From Investing	-121.4%	-49,186	-22,218	-127,612	-27,583	-27,010	-26,223	8,502	-235,276	49,979	-145,743	-106,568	-156,288	-41,190	-226,332	-351,392	-74,612	11,476	-82,356	12,506	23,883	-50,762
Cashflow From Financing	-23.8%	81,362	106,789	-14,168	109,598	-131,203	45,954	21,847	60,655	20,240	-112,891	99,645	209,452	101,468	-11,553	625,877	-11,093	10,018	-57,916	45,727	76,437	7,416
Dividend Payments	0.2%	8,234	8,220	7,868	7,865	7,861	7,821	7,127	7,129	7,118	7,107	6,850	6,841	6,834	6,830	6,731	6,747	6,741	6,724	6,387	6,383	6,368
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,099	-	-	-	-	-

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CTBI Income Statement

2023-12-31

Consolidated Statements of Income and Comprehensive Income (Loss) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans, including loans held for sale	$ 230,844	$ 169,885	$ 160,198
Interest and dividends on securities:
Taxable	27,263	21,695	13,981
Tax exempt	2,678	2,998	3,098
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	759	603	486
Interest on Federal Reserve Bank deposits	6,831	2,439	372
Other, including interest on federal funds sold	275	122	34
Total interest income	268,650	197,742	178,169
Interest expense:
Interest on deposits	81,167	24,068	12,753
Interest on repurchase agreements and federal funds purchased	8,994	2,540	1,254
Interest on advances from Federal Home Loan Bank	1,004	20	0
Interest on long-term debt	4,375	2,012	1,083
Total interest expense	95,540	28,640	15,090
Net interest income	173,110	169,102	163,079
Provision for credit losses (recovery)	6,811	4,905	(6,386)
Net interest income after provision for credit losses (recovery)	166,299	164,197	169,465
Noninterest income:
Deposit related fees	29,935	29,049	26,529
Gains on sales of loans, net	395	1,525	6,820
Trust and wealth management income	13,025	12,394	12,644
Loan related fees	3,792	6,185	5,578
Bank owned life insurance	3,517	2,708	2,844
Brokerage revenue	1,473	1,846	1,962
Securities gains (losses)	996	(168)	(158)
Other noninterest income	4,526	4,377	4,244
Total noninterest income	57,659	57,916	60,463
Noninterest expense:
Officer salaries and employee benefits	15,206	15,922	19,713
Other salaries and employee benefits	58,505	56,568	54,401
Occupancy, net	8,900	8,380	8,306
Equipment	2,943	2,703	2,548
Data processing	9,726	8,910	8,039
Bank franchise tax	1,649	1,528	1,705
Legal fees	1,131	1,159	1,160
Professional fees	2,219	2,275	2,039
Advertising and marketing	3,214	3,005	2,928
FDIC insurance	2,483	1,447	1,381
Other real estate owned provision and expense	350	456	1,401
Repossession expense	531	546	344
Amortization of limited partnership investments	2,638	2,853	3,352
Other noninterest expense	15,895	15,319	11,968
Total noninterest expense	125,390	121,071	119,285
Income before income taxes	98,568	101,042	110,643
Income taxes	20,564	19,228	22,704
Net income	78,004	81,814	87,939
Unrealized holding gains (losses) on debt securities available-for-sale:
Unrealized holding gains (losses) arising during the period	36,863	(168,060)	(24,827)
Less: Reclassification adjustments for realized gains (losses) included in net income	4	(81)	60
Tax expense (benefit)	11,028	(43,675)	(6,471)
Other comprehensive income (loss), net of tax	25,831	(124,304)	(18,416)
Comprehensive income (loss)	$ 103,835	$ (42,490)	$ 69,523
Basic earnings per share (in dollars per share)	$ 4.36	$ 4.59	$ 4.94
Diluted earnings per share (in dollars per share)	$ 4.36	$ 4.58	$ 4.94
Weighted average shares outstanding-basic (in shares)	17,887	17,836	17,786
Weighted average shares outstanding-diluted (in shares)	17,900	17,851	17,804

CTBI Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets:
Cash and due from banks	$ 58,833	$ 51,306
Interest bearing deposits	212,567	77,380
Cash and cash equivalents	271,400	128,686
Certificates of deposit in other banks	245	245
Debt securities available-for-sale at fair value (amortized cost of $1,301,244 and $1,430,605, respectively)	1,163,724	1,256,226
Equity securities at fair value	3,158	2,166
Loans held for sale	152	109
Loans	4,050,906	3,709,290
Allowance for credit losses	(49,543)	(45,981)
Net loans	4,001,363	3,663,309
Premises and equipment, net	45,311	42,633
Operating right-of-use assets	12,607	13,809
Finance right-of-use assets	3,096	3,262
Federal Home Loan Bank stock	4,712	6,676
Federal Reserve Bank stock	4,887	4,887
Goodwill	65,490	65,490
Bank owned life insurance	101,461	92,746
Mortgage servicing rights	7,665	8,468
Other real estate owned	1,616	3,671
Deferred tax asset	28,141	39,878
Accrued interest receivable	23,575	19,592
Other assets	31,093	28,463
Total assets	5,769,696	5,380,316
Deposits:
Noninterest bearing	1,260,690	1,394,915
Interest bearing	3,463,932	3,031,228
Total deposits	4,724,622	4,426,143
Repurchase agreements	225,245	215,431
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	334	355
Long-term debt	64,241	57,841
Operating lease liability	12,958	14,160
Finance lease liability	3,435	3,468
Accrued interest payable	7,389	2,237
Other liabilities	28,764	32,134
Total liabilities	5,067,488	4,752,269
Commitments and contingencies (notes 17 and 19)
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued	0	0
Common stock, $5.00 par value, shares authorized 25,000,000; shares outstanding 2023 - 17,999,840; 2022 - 17,918,280	89,999	89,591
Capital surplus	231,130	229,012
Retained earnings	484,400	438,596
Accumulated other comprehensive loss, net of tax	(103,321)	(129,152)
Total shareholders' equity	702,208	628,047
Total liabilities and shareholders' equity	$ 5,769,696	$ 5,380,316

About Community Trust Bancorp Inc

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. The company accepts time and demand deposits, checking accounts, 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; and consumer 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. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

CEO	Mr. Mark A. Gooch CTB
WEBSITE	ctbi.com
INDUSTRY	Banks Diversified
EMPLOYEES	975

Community Trust Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Community Trust Bancorp Inc? What does CTBI stand for in stocks?

CTBI is the stock ticker symbol of Community Trust Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Community Trust Bancorp Inc (CTBI)?

As of Wed May 08 2024, market cap of Community Trust Bancorp Inc is 791.48 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CTBI stock?

You can check CTBI's fair value in chart for subscribers.

What is the fair value of CTBI stock?

You can check CTBI's fair value in chart for subscribers. The fair value of Community Trust Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Community Trust Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CTBI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Community Trust Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether CTBI is over valued or under valued. Whether Community Trust Bancorp Inc is cheap or expensive depends on the assumptions which impact Community Trust Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CTBI.

What is Community Trust Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 08 2024, CTBI's PE ratio (Price to Earnings) is 10.15 and Price to Sales (PS) ratio is 2.95. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CTBI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Community Trust Bancorp Inc's stock?

In the past 10 years, Community Trust Bancorp Inc has provided 0.056 (multiply by 100 for percentage) rate of return.