Community Trust Bancorp (CTBI)
NASDAQ:CTBI
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Community Bancorp
(NASDAQ:CTBI)
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Rating:72Outperform
Price Target:
$73.00
▲(25.62% Upside)
Action:ReiteratedDate:02/28/26
The score is driven primarily by solid financial performance (steady growth, healthy profitability, and moderate leverage) and supportive valuation (low P/E and solid dividend yield). This is tempered by weaker near-term technical signals (price below key short-term moving averages and subdued momentum), while recent corporate updates add a positive incremental tailwind.
Positive Factors
Revenue and Loan Growth
Multi-year revenue growth culminating in a strong 2025 jump reflects durable demand for lending and core banking services in its markets. Higher loan growth and expanding assets increase interest-earning capacity and support sustainable net interest income over the medium term.
Negative Factors
Margin Compression vs Peak
Although profitability remains solid, net margins have drifted down from 2021–2022 highs. Sustained compression can reduce return on equity and limit reinvestment capacity, leaving the bank vulnerable if competitive pressures or funding costs increase over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Loan Growth
Multi-year revenue growth culminating in a strong 2025 jump reflects durable demand for lending and core banking services in its markets. Higher loan growth and expanding assets increase interest-earning capacity and support sustainable net interest income over the medium term.
Read all positive factors
Community Bancorp (CTBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.17B
Dividend Yield3.44%
Average Volume (3M)94.60K
Price to Earnings (P/E)9.3
Beta (1Y)0.70
Revenue Growth9.93%
EPS Growth17.67%
CountryUS
Employees939
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.51
Shares Outstanding18,150,770
10 Day Avg. Volume94,210
30 Day Avg. Volume94,602
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)1.19
Price to Sales (P/S)2.49
P/FCF Ratio10.46
Enterprise Value/Market Cap1.27
Enterprise Value/Revenue3.66
Enterprise Value/Gross Profit5.48
Enterprise Value/Ebitda11.26
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.87
Revenue Forecast (FY)$302.00M
Community Bancorp Business Overview & Revenue Model
Company Description
Community 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 acc...
How the Company Makes Money
null...
Community Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 409.34M | 376.01M | 326.31M | 255.66M | 238.63M |
| Gross Profit | 273.07M | 237.61M | 223.96M | 222.11M | 229.93M |
| EBITDA | 131.34M | 111.69M | 103.92M | 106.26M | 115.68M |
| Net Income | 98.06M | 82.81M | 78.00M | 81.81M | 87.94M |
Balance Sheet | |||||
| Total Assets | 6.68B | 6.19B | 5.77B | 5.38B | 5.42B |
| Cash, Cash Equivalents and Short-Term Investments | 365.78M | 1.43B | 1.44B | 1.39B | 1.77B |
| Total Debt | 389.79M | 320.19M | 306.71M | 291.75M | 342.81M |
| Total Liabilities | 5.83B | 5.44B | 5.07B | 4.75B | 4.72B |
| Stockholders Equity | 856.07M | 757.58M | 702.21M | 628.05M | 698.20M |
Cash Flow | |||||
| Free Cash Flow | 97.39M | 97.09M | 79.41M | 93.47M | 113.32M |
| Operating Cash Flow | 104.99M | 105.17M | 85.73M | 99.68M | 115.69M |
| Investing Cash Flow | -463.22M | -335.67M | -226.60M | -280.01M | -358.62M |
| Financing Cash Flow | 352.41M | 328.61M | 283.58M | -2.75M | 216.45M |
Community Bancorp Technical Analysis
Positive
58.11
Price Trends
61.43
Positive
59.50
Positive
56.69
Positive
Market Momentum
1.22
Negative
65.60
Neutral
79.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTBI, the sentiment is Positive. The current price of 58.11 is below the 20-day moving average (MA) of 61.40, below the 50-day MA of 61.43, and above the 200-day MA of 56.69, indicating a bullish trend. The MACD of 1.22 indicates Negative momentum. The RSI at 65.60 is Neutral, neither overbought nor oversold. The STOCH value of 79.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CTBI.
Community Bancorp Risk Analysis
Community Bancorp disclosed 14 risk factors in its most recent earnings report. Community Bancorp reported the most risks in the "Macro & Political" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $1.23B | 8.28 | 9.13% | 5.30% | 0.11% | -18.63% | |
72 Outperform | $1.17B | 9.33 | 11.96% | 3.44% | 9.93% | 17.67% | |
72 Outperform | $1.78B | 10.56 | 8.28% | ― | 4.44% | 3.19% | |
68 Neutral | $1.13B | 8.92 | 10.11% | 1.24% | 10.42% | -18.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.23B | 6.42 | 11.20% | 3.39% | 9.55% | 27.32% | |
60 Neutral | $1.08B | 14.52 | 4.77% | 4.05% | -2.15% | -25.32% |
* Financial Sector Average
CTBI
Community Bancorp
64.42
19.08
42.07%
OCFC
Oceanfirst Financial
18.90
4.06
27.32%
OSBC
Old Second Bancorp
21.61
7.05
48.37%
PEBO
Peoples Bancorp
33.91
7.89
30.30%
TMP
Tompkins Financial Corporation
84.32
29.10
52.71%
FSUN
FirstSun Capital Bancorp
38.86
4.78
14.03%
Community Bancorp Corporate Events
Business Operations and StrategyFinancial Disclosures
Community Bancorp Reports Strong 2025 Growth and Earnings
Positive
Feb 3, 2026
In February 2026, Community Trust Bancorp reported that for the year ended December 31, 2025 it grew total assets by 7.9% to $6.7 billion, driven by a 9.1% increase in loans and a 7.3% rise in deposits including repurchase agreements, while also e...
Business Operations and Strategy
Community Bancorp Adopts 2026 Employee Incentive Compensation Plan
Positive
Jan 28, 2026
On January 27, 2026, Community Trust Bancorp, Inc.’s board of directors approved an Employee Incentive Compensation Plan for the year ending December 31, 2026, setting the framework for performance-based pay for its staff over the current fi...
DividendsFinancial Disclosures
Community Trust Bancorp Posts Record 2025 Earnings Results
Positive
Jan 21, 2026
On January 21, 2026, Community Trust Bancorp reported record results for both the fourth quarter and full year 2025, underscoring improved profitability and capital strength. Fourth-quarter 2025 net income rose to $27.3 million, or $1.51 per basic...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.