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Upturn AI SWOT - About
Community Trust Bancorp Inc (CTBI)
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Upturn Advisory Summary
06/30/2025: CTBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Year Target Price $56.5
Year Target Price $56.5
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.83% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 961.51M USD | Price to earnings Ratio 11.08 | 1Y Target Price 56.5 |
Price to earnings Ratio 11.08 | 1Y Target Price 56.5 | ||
Volume (30-day avg) 2 | Beta 0.6 | 52 Weeks Range 40.02 - 60.06 | Updated Date 06/30/2025 |
52 Weeks Range 40.02 - 60.06 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.54% | Basic EPS (TTM) 4.79 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.27% | Operating Margin (TTM) 46.86% |
Management Effectiveness
Return on Assets (TTM) 1.42% | Return on Equity (TTM) 11.54% |
Valuation
Trailing PE 11.08 | Forward PE 11.22 | Enterprise Value 1213483392 | Price to Sales(TTM) 3.94 |
Enterprise Value 1213483392 | Price to Sales(TTM) 3.94 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 18110900 | Shares Floating 15253571 |
Shares Outstanding 18110900 | Shares Floating 15253571 | ||
Percent Insiders 1.21 | Percent Institutions 64.49 |
Analyst Ratings
Rating 2 | Target Price 56.5 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp, Inc. was founded in 1903 as a state-chartered trust company in Pikeville, Kentucky. It has grown organically and through acquisitions to become a multi-bank holding company serving Kentucky, West Virginia, and Tennessee. Its focus has remained on community banking principles and serving local markets.
Core Business Areas
- Community Banking: Offers traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides trust and investment services to individuals and institutions.
- Insurance Services: Offers various insurance products to customers.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank holding company, with subsidiary banks operating under the umbrella of the parent corporation.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide funding to businesses for various purposes like expansion, working capital, or equipment purchases. Market share data varies by local market. Competitors include larger regional and national banks, as well as credit unions.
- Residential Mortgages: Offer mortgages to individuals for home purchases or refinancing. Market share data varies by local market. Competitors include other banks, mortgage companies, and credit unions.
- Deposit Accounts: Provide checking, savings, and money market accounts for individual and business customers. Competitors include national banks like Chase and regional banks like Fifth Third.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities related to interest rate volatility, regulatory changes, and increasing competition from fintech companies. Community banks are focused on maintaining strong relationships with their customers and adapting to changing technology.
Positioning
Community Trust Bancorp is a regional bank focused on community banking principles. Its competitive advantages include strong local market knowledge, personalized customer service, and a long-standing reputation.
Total Addressable Market (TAM)
The TAM for banking services in CTBI's operating region is estimated to be in the billions of dollars. CTBI is positioned to capture a portion of this TAM through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Long-standing reputation
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking channels
- Vulnerability to regional economic downturns
- Less tech advancements compared to major players
Opportunities
- Expansion into new markets within the region
- Investment in technology to improve customer experience
- Acquisition of smaller community banks
- Growth in wealth management services
- Increased demand for commercial lending
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and inflation
- Regulatory changes and compliance costs
- Economic downturn in the region
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
Competitive Landscape
CTBI's advantages include a strong local presence and customer relationships. Disadvantages are its smaller size and limited resources compared to larger regional and national banks.
Major Acquisitions
Citizens National Bank of Paintsville
- Year: 2006
- Acquisition Price (USD millions): 54
- Strategic Rationale: Expanded CTBI's footprint in Eastern Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Data is needed to analyze historical growth trends
Future Projections: Future projections based on analyst estimates are to be made after financials are input
Recent Initiatives: More data is needed about company initatives
Summary
Community Trust Bancorp has a solid presence in its regional markets with strong community ties. They face challenges from larger competitors with more resources and need to invest in technology to maintain competitiveness. Economic downturns and regulatory changes pose significant risks. The company's focus on relationship banking and strategic acquisitions can drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Financial data needs to be added in to generate true analysis
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Community Trust Bancorp Inc
Exchange NASDAQ | Headquaters Pikeville, KY, United States | ||
IPO Launch date 1993-05-17 | CEO, Chairman & President Mr. Mark A. Gooch CTB | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 939 | Website https://www.ctbi.com |
Full time employees 939 | Website https://www.ctbi.com | ||
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, 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, as well as southern West Virginia and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
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