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Upturn AI SWOT - About
CTBI 
Community Trust Bancorp Inc (CTBI)
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Upturn Advisory Summary
10/30/2025: CTBI (1-star) is currently NOT-A-BUY. Pass it for now.
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 -11.73% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 927.05M USD | Price to earnings Ratio 9.9 | 1Y Target Price 61.67 |
Price to earnings Ratio 9.9 | 1Y Target Price 61.67 | ||
Volume (30-day avg) 2 | Beta 0.58 | 52 Weeks Range 43.79 - 59.50 | Updated Date 10/30/2025 |
52 Weeks Range 43.79 - 59.50 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 3.70% | Basic EPS (TTM) 5.17 |
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 1.38 | Actual 1.32 |
Profitability
Profit Margin 35.68% | Operating Margin (TTM) 46.71% |
Management Effectiveness
Return on Assets (TTM) 1.48% | Return on Equity (TTM) 11.72% |
Valuation
Trailing PE 9.9 | Forward PE 11.22 | Enterprise Value 1222245888 | Price to Sales(TTM) 3.55 |
Enterprise Value 1222245888 | Price to Sales(TTM) 3.55 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 18110000 | Shares Floating 15190125 |
Shares Outstanding 18110000 | Shares Floating 15190125 | ||
Percent Insiders 1.29 | Percent Institutions 64.96 |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp Inc. was founded in 1903 in Pikeville, Kentucky. It started as a small community bank and has grown through organic expansion and acquisitions to become a regional financial institution serving Kentucky, West Virginia, and Tennessee. Over time, it has focused on providing relationship-based banking services.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is hierarchical, with regional presidents and branch managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available but as of 2023 was 1% of the 22.6 billion dollar market in their operating area, but this is a high growth sector for the company. Competitors include larger regional and national banks.
- Residential Mortgages: Originate and service residential mortgage loans for homebuyers. Market share data is not publicly available, but the company has been a consistent originator in its markets. Competitors include mortgage companies and other banks.
- Deposit Accounts: Offer checking, savings, and money market accounts to individuals and businesses. The company maintains a stable deposit base. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Regional banks face increased capital requirements.
Positioning
Community Trust Bancorp Inc. is a regional bank focused on relationship-based banking. It differentiates itself through personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Kentucky, West Virginia, and Tennessee is estimated to be in the tens of billions of dollars. Community Trust Bancorp Inc. holds a small percentage of this TAM, leaving room for growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Operational Inefficiencies
Opportunities
- Expansion into new markets
- Increased wealth management services
- Adoption of new technologies
- Potential acquisitions
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC
- USB
- FFKT
Competitive Landscape
Community Trust Bancorp Inc. competes with larger regional and national banks. Its competitive advantage is its strong local presence and relationship-based banking model. It is smaller but more community focused than larger banks.
Major Acquisitions
In Trust Financial Corporation
- Year: 2016
- Acquisition Price (USD millions): 76.5
- Strategic Rationale: Expanded presence into Lexington, Kentucky market and added branch locations and assets.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced moderate growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in assets, loans, and deposits. Profitability is expected to remain stable. Numerical data not available without direct access to financial statements.
Recent Initiatives: Recent strategic initiatives include expanding wealth management services and investing in new technologies to improve customer service.
Summary
Community Trust Bancorp Inc. is a financially stable regional bank with a strong local presence. It benefits from a relationship-based banking model and a solid track record of profitability. However, it faces challenges from increased competition and the need to adapt to changing technologies and regulatory requirements. Continued focus on growth and innovation will be key to its future success.
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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 financial advice. Market share data may be estimated based on available information. Financial data requires direct access to financial statements.
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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