Price
No data yet.
Social Signal Score
Analyst Ratings
6 analystsRevenue
$108.84M+118.26%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Mark A. Gooch
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 930
- Beta
- 0.55
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.35
Financials
Revenue
$108.84M+118.3%Net Income
$29.62M+140.6%EBITDA
$38.35M+107.2%Free Cash Flow
$43.07M+55.8%EPS (diluted)
$1.64+134.3%Shares Outstanding (diluted)
18.10M+3.0%Operating Expenses
$26.59MCash & Debt
$205.70MReturn of Capital
$9.58MRevenue by Segment (annual)
$0.00Dividend per Share
$0.71Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $409.34M | $98.06M | $5.44 |
| 2024 | $376.01M | $82.81M | $4.61 |
| 2023 | $326.31M | $78.00M | $4.36 |
| 2022 | $255.66M | $81.81M | $4.59 |
| 2021 | $238.63M | $87.94M | $4.94 |
| 2020 | $231.00M | $59.50M | $3.35 |
| 2019 | $235.58M | $64.54M | $3.64 |
| 2018 | $223.40M | $59.23M | $3.35 |
| 2017 | $204.20M | $51.49M | $2.92 |
| 2016 | $195.02M | $47.35M | $2.70 |
| 2015 | $190.83M | $46.43M | $2.66 |
| 2014 | $188.95M | $43.25M | $2.50 |
| 2013 | $197.43M | $45.17M | $2.64 |
| 2012 | $199.68M | $44.86M | $2.64 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CTBI's reported EPS growth of 5.7% a year over 13 years.
- EPS in 5 years
- $7.18
- Implied price
- $71.78
- Return from $76.04
- -1.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $35.69 — -53.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| -4.3% | -19.2% | -14.4% | -10.5% | -7.2% | -4.3% |
| 0.7% | -15.0% | -9.9% | -5.8% | -2.3% | 0.7% |
| 5.7% | -10.7% | -5.5% | -1.1% | 2.5% | 5.7% |
| 10.7% | -6.5% | -1.0% | 3.5% | 7.4% | 10.7% |
| 15.7% | -2.3% | 3.5% | 8.2% | 12.2% | 15.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
127+5.56%Social Signal Score
Mentions (6)
- Newszacks.com·6d ago·Positive
Community Trust Bancorp (CTBI) Upgraded to Buy: Here's Why Community Trust Bancorp (CTBI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
View source ↗ - Newszacks.com·7d ago·Positive
Community Trust Bancorp (CTBI) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
View source ↗ - Newszacks.com·24d ago·Positive
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
View source ↗ - Newszacks.com·40d ago·Positive
Community Trust Bancorp (CTBI) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
View source ↗ - Newszacks.com·48d ago·Positive
Community Trust Bancorp (CTBI) Upgraded to Buy: Here's What You Should Know Community Trust Bancorp (CTBI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
View source ↗ - Newszacks.com·56d ago·Positive
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?
View source ↗
Earnings
Wed, Oct 21(in 2 weeks)
Consensus estimate $1.65 per share
Typical surprise +5.6% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 15$1.64 vs $1.52beat
- Wed, Apr 15$1.50 vs $1.39beat
- Wed, Jan 21$1.51 vs $1.43beat
- Wed, Oct 15$1.32 vs $1.38miss
- Wed, Jul 16$1.38 vs $1.27beat
- Wed, Apr 16$1.22 vs $1.19beat
Estimates and results for CTBI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CTBI officers and directors.
- Bought
- $107k
- Sold
- $359k
2 trades
2 trades
- Minnifield Frankysold
- Sparkman Ricky Dbought
- Waters Andy Dsold
- Minnifield Frankybought
96 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- James Comerhouse · KY01 · disclosed Mar 25, 2020 (33d later)Buy$1,001 - $15,000
- Susan Margaret Collinssenate · ME · disclosed May 16, 2014 (9d later)Sell$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.