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Community Trust Bancorp, Inc. CTBI

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Price alert · CTBI

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69.38 USD -0.65 (-0.93%)

At closeNov 3, 2026, 4:01 PM EST

69.38 0.00 0.00%

After hours · Nov 3, 4:01 PM ET

69.00 Day range 72.73
51.38 52-week range 79.92
YTD
+22.80%
1 year
+34.25%

Financial health

Altman Z-Score

0.20 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 10.4×
FY 2016: 18.4×FY 2017: 16.1×FY 2018: 11.8×FY 2019: 12.8×FY 2020: 11.1×FY 2021: 8.8×FY 2022: 10.0×FY 2023: 10.1×FY 2024: 11.5×FY 2025: 10.4×
FY 2016 5y median 10.1× FY 2025
P/S 2.5×
FY 2016: 4.5×FY 2017: 4.1×FY 2018: 3.1×FY 2019: 3.5×FY 2020: 2.8×FY 2021: 3.3×FY 2022: 3.2×FY 2023: 2.4×FY 2024: 2.5×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
P/B 1.2×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 10.5×
FY 2016: 15.0×FY 2017: 13.9×FY 2018: 11.2×FY 2019: 10.2×FY 2020: 10.8×FY 2021: 6.8×FY 2022: 8.8×FY 2023: 9.9×FY 2024: 9.8×FY 2025: 10.5×
FY 2016 5y median 9.8× FY 2025
EV/EBITDA 10.1×
FY 2016: 14.8×FY 2017: 13.2×FY 2018: 11.4×FY 2019: 11.2×FY 2020: 9.9×FY 2021: 7.0×FY 2022: 9.2×FY 2023: 7.9×FY 2024: 8.1×FY 2025: 10.1×
FY 2016 5y median 8.1× FY 2025
EV/Sales 3.3×
FY 2016: 5.4×FY 2017: 4.7×FY 2018: 3.8×FY 2019: 3.7×FY 2020: 3.2×FY 2021: 3.4×FY 2022: 3.8×FY 2023: 2.5×FY 2024: 2.4×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025
FCF Yield 9.6%
FY 2016: 6.7%FY 2017: 7.2%FY 2018: 8.9%FY 2019: 9.8%FY 2020: 9.3%FY 2021: 14.6%FY 2022: 11.4%FY 2023: 10.1%FY 2024: 10.2%FY 2025: 9.6%
FY 2016 5y median 10.2% FY 2025

Profitability

Gross Margin 66.7%
FY 2016: 89.0%FY 2017: 87.4%FY 2018: 84.1%FY 2019: 80.8%FY 2020: 82.0%FY 2021: 96.4%FY 2022: 86.9%FY 2023: 68.6%FY 2024: 63.2%FY 2025: 66.7%
FY 2016 5y median 68.6% FY 2025
Operating Margin 31.0%
FY 2016: 34.1%FY 2017: 33.6%FY 2018: 31.6%FY 2019: 30.6%FY 2020: 30.4%FY 2021: 46.4%FY 2022: 39.5%FY 2023: 30.2%FY 2024: 28.4%FY 2025: 31.0%
FY 2016 5y median 31.0% FY 2025
Net Margin 24.0%
FY 2016: 24.3%FY 2017: 25.2%FY 2018: 26.5%FY 2019: 27.4%FY 2020: 25.8%FY 2021: 36.9%FY 2022: 32.0%FY 2023: 23.9%FY 2024: 22.0%FY 2025: 24.0%
FY 2016 5y median 24.0% FY 2025
ROE 11.5%
FY 2016: 9.5%FY 2017: 9.7%FY 2018: 10.5%FY 2019: 10.5%FY 2020: 9.1%FY 2021: 12.6%FY 2022: 13.0%FY 2023: 11.1%FY 2024: 10.9%FY 2025: 11.5%
FY 2016 5y median 11.5% FY 2025
ROIC 9.1%
FY 2016: 5.6%FY 2017: 5.9%FY 2018: 6.6%FY 2019: 6.7%FY 2020: 5.3%FY 2021: 8.2%FY 2022: 8.6%FY 2023: 7.5%FY 2024: 7.4%FY 2025: 9.1%
FY 2016 5y median 8.2% FY 2025
ROA 1.5%
FY 2016: 1.2%FY 2017: 1.2%FY 2018: 1.4%FY 2019: 1.5%FY 2020: 1.2%FY 2021: 1.6%FY 2022: 1.5%FY 2023: 1.4%FY 2024: 1.3%FY 2025: 1.5%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 8.9%
FY 2016: 2.2%FY 2017: 4.7%FY 2018: 9.4%FY 2019: 5.5%FY 2020: -1.9%FY 2021: 3.3%FY 2022: 7.1%FY 2023: 27.6%FY 2024: 15.2%FY 2025: 8.9%
FY 2016 FY 2025
Operating Income 19.1%
FY 2016: 2.3%FY 2017: 3.1%FY 2018: 3.0%FY 2019: 2.1%FY 2020: -2.4%FY 2021: 57.5%FY 2022: -8.7%FY 2023: -2.4%FY 2024: 8.2%FY 2025: 19.1%
FY 2016 FY 2025
EPS (diluted) 17.8%
FY 2016: 1.5%FY 2017: 8.1%FY 2018: 14.7%FY 2019: 8.7%FY 2020: -8.0%FY 2021: 47.5%FY 2022: -7.3%FY 2023: -4.8%FY 2024: 5.7%FY 2025: 17.8%
FY 2016 FY 2025
Free Cash Flow 0.3%
FY 2016: 9.8%FY 2017: 3.5%FY 2018: 4.5%FY 2019: 29.1%FY 2020: -24.7%FY 2021: 86.1%FY 2022: -17.5%FY 2023: -15.0%FY 2024: 22.3%FY 2025: 0.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.9×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.9×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.5×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.7×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.5×
FY 2016: 2.5×FY 2017: 1.7×FY 2018: 2.0×FY 2019: 0.6×FY 2020: 1.2×FY 2021: 0.3×FY 2022: 1.5×FY 2023: 0.3×FY 2024: -0.4×FY 2025: 2.5×
FY 2016 5y median 0.3× FY 2025
Interest Coverage 1.0×
FY 2016: 4.9×FY 2017: 3.7×FY 2018: 2.4×FY 2019: 1.8×FY 2020: 2.8×FY 2021: 7.3×FY 2022: 3.5×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 2.5%FY 2017: 2.8%FY 2018: 3.5%FY 2019: 3.2%FY 2020: 4.1%FY 2021: 3.6%FY 2022: 3.7%FY 2023: 4.1%FY 2024: 3.5%FY 2025: 3.5%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 36.7%
FY 2016: 46.9%FY 2017: 44.6%FY 2018: 41.2%FY 2019: 40.6%FY 2020: 45.6%FY 2021: 31.7%FY 2022: 36.6%FY 2023: 41.3%FY 2024: 40.3%FY 2025: 36.7%
FY 2016 5y median 36.7% FY 2025

Annual · latest fiscal year ends 2025-12-31