Community Bancorp (CTBI) AI Stock Analysis

• Market Cap: $926.74M
• Dividend Yield: 3.65%
• Average Volume (3M): 50.80K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.66
• Revenue Growth: 12.27%
• EPS Growth: 10.88%
• Country: US
• Employees: 939
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.22
• Shares Outstanding: 18,110,933
• 10 Day Avg. Volume: 43,471
• 30 Day Avg. Volume: 50,799
• PEG Ratio: 2.82
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.46
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 0.65
• Enterprise Value/Gross Profit: 3.85
• Enterprise Value/Ebitda: 2.15
• 1Y Price Target: $57.00
• Price Target Upside: 11.39% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $60.00 ▲( 17.26% Upside)

Community Bancorp exhibits strong financial performance and a solid corporate event outlook, indicating a well-managed and stable company. While valuation metrics suggest an attractive investment, technical analysis warrants caution due to potential overbought conditions. Overall, CTBI presents a favorable investment proposition with potential liquidity risks to monitor.

Community Bancorp Business Overview & Revenue Model

Company Description

Community Bancorp (CTBI) is a financial services company primarily engaged in providing a range of banking products and services. Headquartered in Pikeville, Kentucky, it operates through its subsidiary, Community Trust Bank, offering commercial and personal banking, trust, and wealth management services. The company serves individual customers, small businesses, and large organizations, primarily focusing on the regional markets in Kentucky, West Virginia, and Tennessee.

How the Company Makes Money

Community Bancorp (CTBI) generates revenue through various financial services and products. The primary revenue streams include interest income from loans and investments, fees from banking services, and income from trust and wealth management services. The company earns interest income by providing loans to individuals and businesses, including commercial real estate, residential mortgage, and consumer loans. Additionally, CTBI invests in securities, which contributes to its interest income. Non-interest income is generated through service charges on deposit accounts, fees for transaction services, and trust and wealth management fees. Significant partnerships with local businesses and community entities enhance its market presence and client base, further contributing to its earnings.

Community Bancorp Financial Statement Overview

Summary

Community Bancorp shows a strong financial position across all verticals. The income statement indicates growth and profitability, the balance sheet reflects stability and prudent leverage management, and the cash flow statement reveals efficient cash generation. Continued attention to liability management and operational efficiency will be beneficial for sustained performance.

Income Statement

Community Bancorp's income statement reflects steady revenue growth with a solid net profit margin. The TTM (Trailing-Twelve-Months) revenue growth is commendable, supported by a consistent EBIT and EBITDA margin. However, slight fluctuations in net income indicate potential areas for efficiency improvements.

Balance Sheet

The balance sheet is robust with a favorable debt-to-equity ratio, indicating strong financial leverage control. The equity ratio is healthy, suggesting a well-capitalized position. Return on equity remains strong, but monitoring debt levels as total liabilities increase is advisable.

Cash Flow

Cash flow statements demonstrate a positive trend in free cash flow growth, supported by a healthy operating cash flow to net income ratio. The bank's ability to generate cash while maintaining capital efficiency is a strong point, although volatility in financing cash flow could pose risks.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
382.82M	376.01M	221.32M	227.02M	223.54M	205.55M
	Gross Profit
244.14M	237.61M	327.31M	227.02M	223.54M	205.55M
	EBIT
111.22M	106.69M	119.48M	129.68M	110.64M	70.27M
	EBITDA
116.52M	111.69M	102.33M	104.34M	113.84M	73.77M
	Net Income Common Stockholders
86.11M	82.81M	78.00M	81.81M	87.94M	59.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.08B	1.43B	1.22B	1.39B	1.50B	1.05B
	Total Assets
6.28B	6.19B	5.77B	5.38B	5.42B	5.14B
	Total Debt
327.78M	320.19M	80.97M	17.63M	13.01M	13.97M
	Net Debt
-13.13M	-49.56M	-190.68M	-33.68M	-33.55M	-40.28M
	Total Liabilities
5.49B	5.44B	5.07B	4.75B	4.72B	4.48B
	Stockholders Equity
784.17M	757.58M	702.21M	628.05M	698.20M	654.87M
Cash Flow		Free Cash Flow
112.68M	97.09M	79.41M	93.47M	113.32M	60.90M
	Operating Cash Flow
115.61M	105.17M	85.73M	99.68M	115.69M	62.38M
	Investing Cash Flow
-375.02M	-335.67M	-226.60M	-280.01M	-358.62M	-693.53M
	Financing Cash Flow
306.78M	328.61M	283.58M	-2.75M	216.45M	704.70M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 51.17
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTBI, the sentiment is Negative. The current price of 51.17 is above the 20-day moving average (MA) of 51.12, above the 50-day MA of 49.97, and below the 200-day MA of 51.43, indicating a neutral trend. The MACD of 0.63 indicates Positive momentum. The RSI at 49.57 is Neutral, neither overbought nor oversold. The STOCH value of 18.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CTBI.

Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTBI	78 Outperform	$926.74M	10.69	11.54%	3.65%	12.27%	10.88%
BRKL	76 Outperform	$932.03M	12.78	6.01%	5.16%	4.33%	-11.14%
SBSI	73 Outperform	$849.62M	9.66	11.03%	5.02%	9.34%	8.12%
CNOB	73 Outperform	$917.89M	13.01	6.21%	3.14%	2.27%	-2.41%
OCFC	72 Outperform	$980.26M	10.98	5.51%	4.72%	1.38%	-10.46%
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
TMP	56 Neutral	$879.35M	11.82	10.45%	3.96%	37.59%	969.87%

Community Bancorp Corporate Events

Community Bancorp’s Recent Regulation FD Disclosure

In 2024, Community Bancorp reported robust financial performance, surpassing its earnings and asset growth goals. The company achieved a net income increase of 6.2% and a revenue increase of 7.7% compared to 2023. Total assets grew by 7.3%, reaching $6.19 billion, while loans and deposits also saw significant increases. The company maintained a strong dividend policy, with a 3.3% increase in cash dividends. Despite these achievements, an investment in CTBI stock underperformed compared to the NASDAQ and Russell 2000 indices over the past five years.

Community Bancorp Reports Q1 2025 Earnings Increase

Community Trust Bancorp, Inc. reported its earnings for the first quarter of 2025, showing a net income of $22.0 million, or $1.22 per share, which is a slight decrease from the previous quarter but an increase from the same quarter last year. The company experienced a rise in net interest income by 3.5% from the prior quarter and 17.6% from the previous year, while noninterest income saw a decline. The loan portfolio grew significantly, and despite an increase in nonperforming assets, the company’s shareholders’ equity and deposits also showed growth, indicating a stable financial position.