Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
CTBI 
Community Trust Bancorp Inc (CTBI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: 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 $63
1 Year Target Price $63
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.89% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 10.95 | 1Y Target Price 63 |
Price to earnings Ratio 10.95 | 1Y Target Price 63 | ||
Volume (30-day avg) 2 | Beta 0.64 | 52 Weeks Range 43.79 - 59.50 | Updated Date 09/17/2025 |
52 Weeks Range 43.79 - 59.50 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.33% | Basic EPS (TTM) 5.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.05% | Operating Margin (TTM) 49.14% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 11.99% |
Valuation
Trailing PE 10.95 | Forward PE 11.22 | Enterprise Value 1231642752 | Price to Sales(TTM) 3.97 |
Enterprise Value 1231642752 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 18110600 | Shares Floating 15184639 |
Shares Outstanding 18110600 | Shares Floating 15184639 | ||
Percent Insiders 1.29 | Percent Institutions 64.95 |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp, Inc. was founded in 1903. Initially focused on serving local communities in eastern Kentucky, it has grown through organic expansion and strategic acquisitions, evolving into a regional financial services provider.
Core Business Areas
- Community Banking: Offers a range of traditional banking products and services, including deposit accounts, loans, and other financial solutions to individuals and businesses.
- Wealth Management: Provides investment advisory services, trust administration, and financial planning to individuals, families, and institutions.
- Insurance Services: Offers various insurance products and services through its subsidiaries.
Leadership and Structure
The company is led by a board of directors and a senior management team headed by the CEO. It operates through a network of community bank branches and subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including expansion, working capital, and equipment financing. The market is highly competitive and fragmented, with large national banks, regional banks, and credit unions as competitors. Market share varies regionally, but CTBI typically focuses on smaller businesses within its footprint.
- Residential Mortgages: Offers mortgage loans to individuals for the purchase or refinance of residential properties. Competitors include large national mortgage lenders, regional banks, and credit unions. The revenue contribution is significant, driven by interest income and fees. Market share varies by geography but is generally in line with regional bank peers.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include national banks, online banks, and other community banks. Deposit growth is critical for funding loan activities.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, heightened regulatory scrutiny, and evolving customer preferences towards digital banking. Consolidation is ongoing, and competition is intense.
Positioning
Community Trust Bancorp Inc. positions itself as a relationship-focused community bank, emphasizing local service and personalized attention. Its competitive advantages include strong community ties, local market knowledge, and a conservative lending approach.
Total Addressable Market (TAM)
The TAM for banking services in the regions served by Community Trust Bancorp Inc. is estimated to be in the billions of dollars. CTBI aims to capture a larger share of this market through continued organic growth, strategic acquisitions, and expanding its product offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Conservative lending practices
- Experienced management team
- Stable deposit base
- Good asset quality
Weaknesses
- Limited geographic diversification
- Lower digital banking presence compared to larger competitors
- Dependence on net interest income
- Smaller scale compared to national banks
Opportunities
- Expanding digital banking offerings
- Acquiring smaller community banks
- Growing wealth management business
- Increasing market share in existing markets
Threats
- Rising interest rates
- Increased regulatory burden
- Economic downturn
- Competition from larger banks and fintech companies
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Hancock Whitney Corp (HWC)
- Fifth Third Bancorp (FITB)
- WesBanco Inc. (WSBC)
Competitive Landscape
Community Trust Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include its local market knowledge and personalized service.
Major Acquisitions
Highlands Bancorp, Inc.
- Year: 2004
- Acquisition Price (USD millions): 44
- Strategic Rationale: Expanded market presence into new geographic areas in Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Community Trust Bancorp Inc. has achieved steady growth in assets, loans, and deposits over the past several years.
Future Projections: Analysts project continued moderate growth in revenue and earnings, driven by loan growth and expansion in wealth management services.
Recent Initiatives: The company has recently invested in enhancing its digital banking platform and expanding its wealth management team.
Summary
Community Trust Bancorp Inc. is a stable and well-managed community bank with a long history of serving its local markets. It benefits from strong community relationships and conservative lending practices. However, it faces increasing competition from larger banks and fintech companies and needs to invest in digital banking to remain competitive. The company has a strong history of dividend payouts and shareholder returns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own due diligence and consultation with a qualified financial advisor.
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 937 | Website https://www.ctbi.com |
Full time employees 937 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.