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Community Trust Bancorp, Inc. (CTBI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Community Trust Bancorp, Inc.

CTBIMarket cap $1.35BPrice $74.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Kentucky, West Virginia, Tennessee, and Virginia, offering loans, deposits, and wealth management to small towns big banks often overlook. It's stayed profitable for decades by sticking to boring, old-school banking fundamentals.

In Bastion Portfolios?

52W Return+45%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+7%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+18%8

EPS Growth Y+2+2%4

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%6

Net Income Margin38%10

Free Cash Flow Margin45%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA2%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)117

P/BV1.58

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.8%7

Momentum

Short term

1 month return-3%7

3 month return+6%8

YTD return+35%9

Mid term

Price vs 52wHigh94%9

1 year return+39%8

Long term

3 year return+138%8

5 year return+108%8

Risk Shield

Price Risk

Beta0.76

Volatility25%8

Free Cash Flow

Free Cash Flow Margin45%10

Free Cash Flow Yield0.0%8

Quality

ROCE15%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CTBICommunity Trust Bancorp

Revenue FY25$270M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+18%8

EPS growth, FY27E+2%4

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 7%/yr).

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%7

3-month return+6%8

YTD return+35%9

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+39%8

3-year return+138%8

5-year return+108%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +138% over three years and +108% over five, ahead of 70% of the market.

It's up 39% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-3%), over three months (+6%) and so far this year (+35%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Community Trust Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CTBICommunity Trust Bancorp

Revenue FY25$270M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+18%8

EPS growth, FY27E+2%4

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 7%/yr).

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%7

3-month return+6%8

YTD return+35%9

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+39%8

3-year return+138%8

5-year return+108%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +138% over three years and +108% over five, ahead of 70% of the market.

It's up 39% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-3%), over three months (+6%) and so far this year (+35%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Community Trust Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community