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CTBICommunity Trust Bancorp, Inc.
$72.14$1.3B
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CTBI logoCommunity Trust Bancorp, Inc.(CTBI)Earnings, Financials & Key Ratios

CTBI•NASDAQ•Banking & Credit
$72.14
13.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutCommunity Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. 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 products include 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; and consumer 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. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.Show more
  • Net Interest Income$219M+17.7%
  • Total Revenue$409M+8.9%
  • Net Income$98M+18.4%
  • Return on Equity12.15%+7.1%
  • Net Interest Margin3.28%+9.1%
  • Efficiency Ratio35.66%+2.4%
  • ROA1.52%+10.0%
  • Equity / Assets12.81%+4.7%
  • Book Value per Share47.39+12.5%

CTBI Price & Volume

Community Trust Bancorp, Inc. (CTBI) stock price & volume — 10-year historical chart

Loading chart...

Disciplined Margin Expansion Supports Consistent Dividend Growth

Investment Thesis • Updated 2026Q1

VerdictPositive
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional economic concentration

Key Thesis Takeaways

  • Community Trust Bancorp demonstrates a resilient business model characterized by disciplined operational control, evidenced by an efficiency ratio consistently maintained between 34% and 37% over the last ten quarters.
  • The bank's strategic focus on trust and wealth management, which contributes up to 17% of total revenue, provides a stable earnings buffer against interest rate volatility.
  • However, investors should monitor the significant concentration of assets in the $5.1 billion securities portfolio, which introduces sensitivity to interest rate-driven valuation fluctuations.

Verdict Logic

the bank's ability to sustain a 13.33 P/E ratio while maintaining a 2.8% dividend yield suggests an attractive valuation for a firm with a consistent track record of operational efficiency.

CTBI Growth Metrics

Community Trust Bancorp, Inc. (CTBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.93%
5 Years12.12%
3 Years16.99%
TTM-

Profit CAGR

10 Years7.76%
5 Years10.51%
3 Years6.22%
TTM19.94%

EPS CAGR

10 Years7.4%
5 Years10.14%
3 Years5.84%
TTM19.21%

Return on Capital

10 Years11.9%
5 Years13.26%
3 Years13.02%
Last Year13.66%

CTBI Recent Earnings

Community Trust Bancorp, Inc. (CTBI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (89%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 15, 2026
Metric
Actual
Est
EPS
$1.50+7.9%
$1.39
Rev
$74M+1.6%
$73M
Q1 2026
Feb 27, 2026
Metric
Actual
Est
EPS
$1.51
—
Rev
$106M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.51+5.6%
$1.43
Rev
$75M+1.0%
$74M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.32-4.3%
$1.38
Rev
$72M-0.5%
$72M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$1.50vs $1.39+7.9%
$74Mvs $73M+1.6%
Q1 2026Feb 27, 2026
$1.51
$106M
Q1 2026Jan 21, 2026
$1.51vs $1.43+5.6%
$75Mvs $74M+1.0%
Q4 2025Oct 15, 2025
$1.32vs $1.38-4.3%
$72Mvs $72M-0.5%
Based on last 12 quarters of dataView full earnings history →

Latest CTBI News

Recent stock market news and headlines for Community Trust Bancorp, Inc. (CTBI)

Seeking Alpha·Jun 28, 2026
Community Trust Bancorp: Not Great, But Good Enough

Community Trust Bancorp maintains a soft ‘buy' rating as asset quality remains robust and profitability continues to improve. CTBI's net interest margin rose to 3.79%, aided by lower deposit costs and balance sheet growth, despite a slight drop in loan yields. The company's return on assets (1.65%) and equity (12.64%) exceed minimum benchmarks and compare favorably to most peers.

Zacks Investment Research·Jun 22, 2026
Community Trust Bancorp (CTBI) is a Top Dividend Stock Right Now: Should You Buy?

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?

Peers Comparison

Key metrics vs top competitors for Community Trust Bancorp, Inc. (CTBI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CTBI logoCTBICommunity Trust Bancorp, Inc.Current
$72.14$1.31B13.298.86%23.96%12.15%2.76%
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.14$6.36B14.1112.33%36.72%9.27%—
WSBC logoWSBCWesBanco, Inc.
$39.31$3.78B17.3951.41%21.27%8%—
HONE logoHONEHarborOne Bancorp, Inc.
$12.10$522.22M18.3310.7%8.56%4.56%—

Compare CTBI vs Peers

Community Trust Bancorp, Inc. (CTBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CTBI.

Scale Benchmark

vs V

Larger-name benchmark to compare CTBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FFIN, UBSI, WSBC

CTBI SEC Filings & Documents

Community Trust Bancorp, Inc. (CTBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 4, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CTBI Frequently Asked Questions

Community Trust Bancorp, Inc. (CTBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Community Trust Bancorp, Inc. growing?

Community Trust Bancorp, Inc. (CTBI) grew revenue by 8.9% over the past year. This is steady growth.

Is CTBI profitable?

Yes, Community Trust Bancorp, Inc. (CTBI) is profitable, generating $103.3M in net income for fiscal year 2025 (24.0% net margin).

Dividend & Returns
Does CTBI pay dividends?

Yes, Community Trust Bancorp, Inc. (CTBI) pays a dividend with a yield of 2.76%. This makes it attractive for income-focused investors.

What is CTBI's return on equity?

Community Trust Bancorp, Inc. (CTBI) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

Industry Metrics
What is Community Trust Bancorp, Inc.'s net interest margin?

Community Trust Bancorp, Inc. (CTBI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is Community Trust Bancorp, Inc.'s efficiency ratio?

Community Trust Bancorp, Inc. (CTBI) has an efficiency ratio of 35.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CTBI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →