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Upturn AI SWOT - About
CTBI 
Community Trust Bancorp Inc (CTBI)
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Upturn Advisory Summary
08/28/2025: 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 -8.43% | Avg. Invested days 28 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.06B USD | Price to earnings Ratio 11.54 | 1Y Target Price 63 |
Price to earnings Ratio 11.54 | 1Y Target Price 63 | ||
Volume (30-day avg) 2 | Beta 0.64 | 52 Weeks Range 44.20 - 60.06 | Updated Date 08/29/2025 |
52 Weeks Range 44.20 - 60.06 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.20% | 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 11.54 | Forward PE 11.22 | Enterprise Value 1285974528 | Price to Sales(TTM) 4.18 |
Enterprise Value 1285974528 | Price to Sales(TTM) 4.18 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 18110600 | Shares Floating 15184639 |
Shares Outstanding 18110600 | Shares Floating 15184639 | ||
Percent Insiders 1.29 | Percent Institutions 64.91 |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp, Inc. (CTBI) was founded in 1903 as a trust company in Pikeville, Kentucky. It has grown through organic expansion and acquisitions, evolving into a multi-bank holding company offering a range of financial services throughout Kentucky, West Virginia, and Tennessee.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Trust and Wealth Management: Offers trust administration, investment management, and financial planning services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is hierarchical, with regional bank presidents reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is regionally specific and challenging to precisely quantify due to the fragmented nature of the community banking market. Competitors include regional and national banks.
- Residential Mortgages: Mortgages for the purchase or refinance of residential properties. Again, market share data is highly regional. Competitors include other banks, credit unions, and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all banks and credit unions in the region.
Market Dynamics
Industry Overview
The community banking industry is facing increasing competition from larger banks and fintech companies. Regulatory compliance costs are also a significant challenge. Interest rate fluctuations impact profitability.
Positioning
CTBI is positioned as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantages include its strong regional presence and loyal customer base.
Total Addressable Market (TAM)
The TAM for community banking services in CTBI's operating region is estimated to be in the billions of dollars, comprised of loans and deposits. CTBI holds a portion of this market and aims to increase its TAM presence through acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Loyal customer base
- Relationship-focused service
- Experienced management team
Weaknesses
- Limited geographic diversification
- Lower brand recognition compared to larger banks
- Sensitivity to local economic conditions
Opportunities
- Expansion into new markets within the region
- Acquisition of smaller banks
- Increased demand for wealth management services
- Digital banking initiatives
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares Incorporated (HBAN)
- PNC Financial Services Group (PNC)
Competitive Landscape
CTBI is smaller than its main competitors. Its advantages lie in its local market expertise, customer loyalty, and personalized service. Disadvantages include limited resources and brand recognition compared to larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions and management's ability to execute its strategic plan. Analyst estimates typically project moderate revenue growth.
Recent Initiatives: Recent initiatives may include branch expansions, digital banking enhancements, and acquisitions.
Summary
Community Trust Bancorp is a stable community bank with a strong regional presence. Its relationship-focused approach fosters customer loyalty. Challenges include competition from larger banks and the need to adapt to changing technology and regulations. Their market share compared to larger competitors is very low.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports (estimates based on publicly available information)
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 and analysis are based on publicly available information and estimates.
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.
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