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CTBI 
Community Trust Bancorp Inc (CTBI)
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Upturn Advisory Summary
12/04/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $61.67
1 Year Target Price $61.67
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.64% | Avg. Invested days 28 | 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 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.03B USD | Price to earnings Ratio 11.04 | 1Y Target Price 61.67 |
Price to earnings Ratio 11.04 | 1Y Target Price 61.67 | ||
Volume (30-day avg) 2 | Beta 0.62 | 52 Weeks Range 43.79 - 59.12 | Updated Date 12/4/2025 |
52 Weeks Range 43.79 - 59.12 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 3.47% | Basic EPS (TTM) 5.17 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.68% | Operating Margin (TTM) 47.88% |
Management Effectiveness
Return on Assets (TTM) 1.48% | Return on Equity (TTM) 11.72% |
Valuation
Trailing PE 11.04 | Forward PE 11.22 | Enterprise Value 1317396608 | Price to Sales(TTM) 3.96 |
Enterprise Value 1317396608 | Price to Sales(TTM) 3.96 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 18115847 | Shares Floating 15502998 |
Shares Outstanding 18115847 | Shares Floating 15502998 | ||
Percent Insiders 1.29 | Percent Institutions 64.97 |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp, Inc. (CTBI) was founded in 1903 as a bank in Pikeville, Kentucky. Over time, it evolved into a multi-bank holding company, acquiring and integrating various community banks throughout Kentucky, West Virginia, and Tennessee.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including loan products, deposit accounts, and wealth management services to individuals and businesses.
- Trust and Investment Services: Offers trust administration, investment management, and financial planning services.
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 various divisions and departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is specific to the regional footprint and is difficult to precisely quantify. Competitors include larger national banks and regional players like Fifth Third and Huntington Bancshares.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is specific to the regional footprint and is difficult to precisely quantify. Competitors include larger national banks and regional players like Fifth Third and Huntington Bancshares.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is specific to the regional footprint and is difficult to precisely quantify. Competitors include larger national banks and regional players like Fifth Third and Huntington Bancshares.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with trends including increasing digitization, rising interest rates, and consolidation. Regional banks face competition from both large national banks and smaller community banks.
Positioning
Community Trust Bancorp is a regional bank focused on community banking, emphasizing personal relationships and local market knowledge. Its competitive advantages include its established presence and strong customer loyalty in its target markets.
Total Addressable Market (TAM)
The TAM is the total banking market in Kentucky, West Virginia, and Tennessee. CTBI is positioned to capture a portion of this TAM through its community-focused strategy. It is estimated to be in the tens of billions but precise numbers are difficult to ascertain.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Solid financial performance
- Geographic focus in growing markets
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Vulnerability to regional economic downturns
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within its geographic footprint
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares Incorporated (HBAN)
- PNC Financial Services Group, Inc. (PNC)
Competitive Landscape
Community Trust Bancorp competes with larger banks on price and service, and smaller banks on local knowledge and relationships. Its advantages include its strong community ties and experienced management team. Its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Community Trust Bancorp has experienced steady growth over the past several years, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions and regulatory changes. Analyst estimates should be obtained from reputable financial sources.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking capabilities and investing in new technologies.
Summary
Community Trust Bancorp is a regional bank with a strong community focus and solid financial performance. Its growth trajectory is driven by organic growth and strategic acquisitions. The company faces challenges from larger competitors and economic uncertainties, but it is well-positioned to capitalize on opportunities in its target markets. CTBI needs to look out for increasing regulations and digitization of financial services to remain competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance may change. Consult with a qualified financial advisor before making any investment decisions.
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 929 | Website https://www.ctbi.com |
Full time employees 929 | 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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