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CTBI

NSQ:CTBI · US2041491083
BanksSmall

360

79
Profit price67
Cash yield73
Price/Sales22
EV / Gross Profit24
Price/Book14
Returns on capital59
Profit margins—
Cash Conversion30
Accruals18
Owner Earnings Margin76
Sales growth51
Profit Growth57
Owner Earnings Growth58
Reinvestment55
Price momentum63
Debt load32
Debt serviceability69
Liquidity76
Analyst ratings94
Opinion Changes50
Price Target Upside45
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

CTBI generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1980
Websiteinvestors.ctbi.com/overview/default.aspx
ISINUS2041491083
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Community Trust Bancorp, Inc. (CTBI) operates as a bank holding company. CTBI owns all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, northeastern, central, and south central Kentu…

Analysis

Quality compounder

Community Trust Bancorp, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 12.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
65
2023202420252026

All-time high

65

Jun 2026

All-time low

9

Jan 2023

Average rank

46

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
33
45
55
Price/Earnings
31
64
55
56
Price/Book
14
38
45
70
Dividend Yield
73
73
82
85
Value (overall)
25
57
63
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →