Community Trust Bancorp, Inc. (CTBI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 206 | 224 | 227 | 231 | 249 | 283 | 299 | - |
| Operating profit | $m | 127 | 140 | ||||||
| Net profit | $m | 60 | 88 | 82 | 78 | 83 | 98 | 108 | 116 |
| EPS reported | $ | 5.43 | 5.97 | ||||||
| Operating cashflow per share | $ | 5.82 | 7.53 | ||||||
| Capex per share | $ | 0.42 | 0.57 | ||||||
| FCF per share | $ | 5.40 | 6.96 | ||||||
| Free cash flow | $m | 97 | 126 | ||||||
| Net debt | $m | 8 | 156 | ||||||
| Book value equity | $m | 856 | 892 | ||||||
| Book value per share | $ | 47.39 | 49.27 | ||||||
| Number of shares | m | 18.06 | 18.1 | ||||||
| DPS (TTM paid) | $ | 2.00 | 2.30 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.41 | 12.60 | ||||||
| P/B LTM | x | 1.19 | 1.14 | ||||||
| P/S LTM | x | 3.60 | 3.41 | ||||||
| P/FCF LTM | x | 10.46 | 8.10 | ||||||
| EV/EBITDA LTM | x | 10.24 | 9.32 | ||||||
| EV/Sales LTM | x | 3.29 | 4.08 | ||||||
| Earnings Yield LTM | % | +9.61% | +7.94% | ||||||
| FCF Yield | % | +9.56% | +12.35% | ||||||
| Quality | |||||||||
| ROE | % | +11.45% | +12.52% | ||||||
| ROIC | % | +9.08% | +1.55% | ||||||
| Operating margin | % | +31.05% | +33.11% | ||||||
| Gross margin | % | +66.71% | +68.60% | ||||||
| FCF/Sales | % | +23.79% | +29.76% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +17.79% | +29.50% | ||||||
| Sales Growth YoY | % | +13.69% | +20.25% | ||||||
| Net Income Growth YoY | % | +18.41% | +30.42% | ||||||
| FCF Growth | % | +0.30% | +29.54% | ||||||
| Operating Profit Growth | % | +19.13% | +31.17% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.53% | +2.73% | ||||||
| Dividend Growth | % | +7.53% | +23.66% | ||||||
| Payout Ratio | % | +36.68% | +35.41% | ||||||
| FCF/Debt | x | 0.25 | 0.33 | ||||||
| Net Debt/EBITDA | x | 2.49 | 2.17 | ||||||
| EBIT/Net interest | x | 1.00 | 1.13 | ||||||
| Net debt/market cap | % | +36.66% | +25.56% | ||||||
| Net debt/Equity | x | 0.01 | 0.17 | ||||||
| Gross debt/equity | x | 0.46 | 0.42 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Community Trust Bancorp, Inc. (CTBI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
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