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Upturn AI Summary - About
Community Trust Bancorp Inc(CTBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CTBI
11/06/2026: CTBI (2-star) is currently NOT-A-BUY. Pass it for now.
Community Trust Bancorp is a regional bank holding company providing comprehensive financial services throughout Kentucky, West Virginia, and Tennessee. Its primary strength lies in a deep-rooted relationship-based banking model that supports stable deposits and sound credit quality. The company's growth story centers on organic market expansion and the strategic addition of fee-based services like wealth management. Key risks include geographic concentration and the ongoing need to invest in digital technology to remain competitive against larger peers. The stock may best suit value-oriented or dividend-focused investors seeking stability rather than high-growth momentum, and stakeholders should monitor interest rate trends and digital adoption metrics closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company prioritizes stable, conservative growth over rapid, aggressive expansion. |
| Momentum investor | Weak fit | CTBI typically exhibits lower volatility and lacks the high-growth catalyst required for momentum strategies. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to its earnings and book value. |
| Dividend investor | Strong fit | A consistent history of dividend payments and a stable payout ratio make it attractive for income-focused investors. |
| Low-risk investor | Strong fit | Conservative management and a focus on traditional banking practices offer a lower-risk profile relative to the broader market. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock tends to be less volatile than high-beta tech or growth stocks. |
| Valuation risk | Low | Current valuations are generally in line with regional banking peers. |
| Competition risk (regional banking) | Medium / high | Large regional and national banks continue to compete aggressively for deposits and high-quality loans. |
| Business quality | Strong | The bank maintains a strong, conservative franchise model with reliable earnings. |
| Dividend income | Low | The dividend is well-supported by earnings and historical stability. |
| Execution risk | Medium | Management must effectively integrate acquisitions and navigate evolving digital banking needs. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 26.54% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.26B USD | Price to earnings Ratio 11.37 | 1Y Target Price 76.67 |
Price to earnings Ratio 11.37 | 1Y Target Price 76.67 | ||
Volume (30-day avg) 144.4K shares | Beta 0.57 | 52 Weeks Range 50.73 - 79.25 | Updated Date 11/07/2026 |
52 Weeks Range 50.73 - 79.25 | Updated Date 11/07/2026 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 6.08 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way banks make money by lending at higher rates than they pay savers. |
| Non-Interest Income | Trust fees, insurance commissions, and service charges. | Important secondary revenue that helps stabilize earnings when interest rates fluctuate. |
| Regional Footprint | Operations in Kentucky, West Virginia, and Tennessee. | Geographic concentration means local economic conditions heavily influence success. |
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 1.65 | Actual 1.43 |
Profitability
Profit Margin 37.93% | Operating Margin (TTM) 49.34% |
Management Effectiveness
Return on Assets (TTM) 1.61% | Return on Equity (TTM) 12.87% |
Valuation
Trailing PE 11.37 | Forward PE 11.22 | Enterprise Value 1.63B | Price to Sales(TTM) 4.33 |
Enterprise Value 1.63B | Price to Sales(TTM) 4.33 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 18.17M | Shares Floating 16.69M |
Shares Outstanding 18.17M | Shares Floating 16.69M | ||
Percent Insiders 1.35 | Percent Institutions 62.17 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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