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Community Trust Bancorp Inc
Community Trust Bancorp Inc (CTBI) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Pikeville, United States and has 970 employees. The company is worth $1.36B and trades at 12.6x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $282.6M in fiscal 2025, up 13.7% from the year before. Net income was $98.06M. The share price is 6.1% below its 52-week high of $79.92. It pays a dividend yielding 3.46%, and has raised its annual dividend for 28 years in a row in our records. None of the 38 superinvestors we track reported it in their latest 13F. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in CTBI.
▲ +78.8% over 5Y.
today you would have $2,094.06▲ +109.4%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $56.50 | $53.03 | $43.86 | $45.93 | $43.61 | $37.05 | $46.64 | $39.61 | $47.10 | $49.60 | $34.96 | $36.61 | $41.05 | $29.80 | $26.75 | $26.33 | $22.23 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 10.1% a year plus a 3.5% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 11.8 across this company’s own years on record.
Cash flow growing 10.1% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividend growing 5.5% a year against a 7.0% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| PEBOPeoples Bancorp Inc | $38.19 | 11.5x | 1.1x | 4.40% | 10.06% | $1.37B |
| UVEUniversal Insurance Holdings Inc | $48.40 | 6.4x | 2.1x | 1.32% | 40.16% | $1.35B |
| ATLCAtlanticus Holdings Corp | $91.53 | 11.9x | 2.0x | 0.00% | 22.97% | $1.39B |
| FMBHFirst Mid Bancshares Inc |
| 11.8x |
| 10.4x |
| 11.5x |
| 10.1x |
| 10.0x |
| 8.8x |
| 11.1x |
| 12.8x |
| 11.8x |
| 16.1x |
| 18.4x |
| 13.1x |
| 14.7x |
| 15.7x |
| 11.3x |
| 11.6x |
| 13.4x |
| 14.8x |
| P/S | 3.6x | 3.6x | 3.9x | 3.4x | 3.6x | 3.5x | 3.2x | 4.3x | 3.6x | 4.5x | 4.8x | 3.4x | 3.6x | 3.9x | 2.9x | 2.6x | 2.8x | 2.5x |
| P/B | 1.3x | 1.2x | 1.3x | 1.1x | 1.3x | 1.1x | 1.0x | 1.3x | 1.2x | 1.6x | 1.7x | 1.3x | 1.4x | 1.7x | 1.3x | 1.2x | 1.3x | 1.2x |
| EPS | $5.43 | $4.61 | $4.36 | $4.58 | $4.94 | $3.35 | $3.64 | $3.35 | $2.92 | $2.70 | $2.66 | $2.49 | $2.62 | $2.63 | $2.30 | $1.96 | $1.50 |
| Dividend yield | 3.54% | 3.54% | 3.51% | 4.10% | 3.66% | 3.60% | 4.13% | 3.17% | 3.48% | 2.76% | 2.54% | 3.49% | 3.23% | 2.81% | 3.81% | 4.18% | 4.18% | 4.91% |
| Payout | 44.07% | 36.83% | 40.35% | 41.28% | 36.68% | 31.78% | 45.67% | 40.66% | 41.19% | 44.52% | 46.67% | 45.86% | 47.43% | 44.07% | 43.21% | 48.62% | 56.02% | 72.73% |
| Profit margin | 27.70% | 34.70% | 33.32% | 33.80% | 36.04% | 39.34% | 28.95% | 33.09% | 30.51% | 27.70% | 26.09% | 25.93% | 24.41% | 24.55% | 25.19% | 22.15% | 20.62% | 17.06% |
| ROE | 10.50% | 11.45% | 10.93% | 11.11% | 13.03% | 12.60% | 9.09% | 10.50% | 10.50% | 9.70% | 9.46% | 9.76% | 9.66% | 10.95% | 11.21% | 10.58% | 9.75% | 7.80% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
6 methods answered, across 3 families.
Room for errors in the reported numbers.
+53.8% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $49.73 |
| 12.3x |
| 1.2x |
| 2.09% |
| 10.05% |
| $1.32B |
| BHRBBurke & Herbert Financial Services Corp. | $69.69 | 11.4x | 1.2x | 3.16% | 9.79% | $1.41B |
| ASICAtegrity Specialty Insurance Co Holdings | $27.25 | 12.7x | 2.0x | 0.00% | 18.59% | $1.31B |