CTBI
COMMUNITY TRUST BANCORP INC /KY/
Next earnings Jul 14, 2026 · consensus $1.55 EPS, $78.4M rev
Last earnings +2.7% on 2026-04-15
$72.36
▲ +1.32%$72.36▲ +49.11%
over 1Y
L $48.53EODHDH $72.36
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.3%
1W+4.9%
1M+9.3%
3M+21.7%
YTD+30.4%
1Y+49.1%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Buy
Mixed signals in the latest filings.
The read
It screens cheap (~171% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
COMMUNITY TRUST BANCORP INC /KY/ shows limited reported revenue, and 11.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M |
| Diluted EPS | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF13.5
PEG (trailing)0.72
Earnings yield7.5%
FCF yield7.4%
Quality & risk
ROIC (est.)—
Free cash flow$97.4M
Total debt$373M
Net cash-$9.40M
Piotroski F-Score5/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)2.7%
Shareholder yield2.7%
Shares Δ YoY+0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-26open ↗11-KPeriod ending 2025-12-312026-06-26open ↗10-QPeriod ending 2026-03-312026-05-08open ↗8-KPeriod ending 2026-04-292026-05-04open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗4Period ending 2026-04-282026-04-29open ↗
Frequently asked
- Is COMMUNITY TRUST BANCORP INC /KY/ (CTBI) a buy?
- CTBI currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is CTBI's fair value?
- A Modified-Graham model based on CTBI's SEC fundamentals estimates a fair value of about $196.10. It is an estimate from reported earnings, not a price target.
- Is CTBI overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CTBI currently appears undervalued relative to its SEC-grounded earnings power.
- What is COMMUNITY TRUST BANCORP INC /KY/'s quality score?
- CTBI scores 77.23529411764706/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000350852, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:40:24 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.