Community Trust Bancorp, Inc.
Community Trust Bancorp, Inc.
Your view on CTBI
Overview
What the company does, where it operates, and who runs it.
About Community Trust Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Mark A. Gooch
- Headquarters
- 346 North Mayo Trail, Pikeville, KY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Mark A. Gooch
- Headquarters
- 346 North Mayo Trail, Pikeville, KY, US
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities.
The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts.
Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products.
Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit.
The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities.
Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers.
Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee.
Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
Media
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Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Community Trust Bancorp, Inc., and the rating behind it. CTBI last traded at $76.08, 12.8× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Community Trust Bancorp, Inc.. Starting points for Community Trust Bancorp, Inc.: P/E 12.8, EPS $5.98, beta 0.55 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Community Trust Bancorp, Inc.. Community Trust Bancorp, Inc. paid $2.12 per share over the last year — a 2.8% yield at the current $76.08 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Community Trust Bancorp, Inc.. Trailing twelve-month EPS for Community Trust Bancorp, Inc. stands at $5.98. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Community Trust Bancorp, Inc.. Community Trust Bancorp, Inc. has reported as a listed company since 1987. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Community Trust Bancorp, Inc. valued side by side against its closest peers. Community Trust Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Community Trust Bancorp, Inc., and how their positions are changing. At a $1.38B market value, institutional positions materially move Community Trust Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Community Trust Bancorp, Inc. executives and directors. Shares of Community Trust Bancorp, Inc. have traded between $50.25 and $79.60 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Community Trust Bancorp, Inc.. Community Trust Bancorp, Inc. is a $1.38B Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Community Trust Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Community Trust Bancorp, Inc.. Coverage tracks Community Trust Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.