Community Trust Bancorp (CTBI)
NASDAQ:CTBI
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Community Bancorp
(NASDAQ:CTBI)
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Rating:73Outperform
Price Target:
$79.00
▲(35.95% Upside)
Action:Reiterated
Date:05/14/26
CTBI scores well primarily on healthy financial performance with improving recent momentum and an attractive valuation (low P/E plus a solid dividend yield). Technicals are neutral-to-mixed, which tempers the overall score, while recent corporate updates are supportive but not decisive versus fundamentals and valuation.
Positive Factors
Revenue & Earnings Growth
Sustained top-line and net income growth in 2025, driven by a 17.7% rise in net interest income and a 26-basis-point NIM improvement, signals durable core earnings power. This recurring revenue base and margin recovery underpin long-term cash generation capacity and capital build.
Negative Factors
Profitability Below Prior Peaks
Although ROE and profitability improved recently, they remain beneath 2021–2022 highs, implying lingering structural margin or efficiency headwinds. This gap constrains long-term return generation versus historical peaks and can limit excess capital available for reinvestment or higher shareholder payouts.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Earnings Growth
Sustained top-line and net income growth in 2025, driven by a 17.7% rise in net interest income and a 26-basis-point NIM improvement, signals durable core earnings power. This recurring revenue base and margin recovery underpin long-term cash generation capacity and capital build.
Read all positive factors
Community Bancorp (CTBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.29B
Dividend Yield3.44%
Average Volume (3M)82.27K
Price to Earnings (P/E)12.4
Beta (1Y)0.73
Revenue Growth8.48%
EPS Growth19.55%
CountryUS
Employees939
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.73
Shares Outstanding18,163,721
10 Day Avg. Volume86,766
30 Day Avg. Volume82,274
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 Cap0.96
Enterprise Value/Revenue2.97
Enterprise Value/Gross Profit4.37
Enterprise Value/Ebitda8.83
Forecast
1Y Price Target
$76.00Price Target Upside30.79% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.08
Revenue Forecast (FY)$308.95M
Community Bancorp Business Overview & Revenue Model
Company Description
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 com...
How the Company Makes Money
null...
Community Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
69
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 415.55M | 409.34M | 376.01M | 326.31M | 255.66M | 238.63M |
| Gross Profit | 282.36M | 273.07M | 237.61M | 223.96M | 222.11M | 229.93M |
| EBITDA | 139.89M | 131.34M | 111.69M | 103.92M | 106.26M | 115.68M |
| Net Income | 103.28M | 98.06M | 82.81M | 78.00M | 81.81M | 87.94M |
Balance Sheet | ||||||
| Total Assets | 6.74B | 6.68B | 6.19B | 5.77B | 5.38B | 5.42B |
| Cash, Cash Equivalents and Short-Term Investments | 536.40M | 365.78M | 1.43B | 1.44B | 1.39B | 1.77B |
| Total Debt | 379.23M | 389.79M | 320.19M | 306.71M | 291.75M | 342.81M |
| Total Liabilities | 5.87B | 5.83B | 5.44B | 5.07B | 4.75B | 4.72B |
| Stockholders Equity | 871.25M | 856.07M | 757.58M | 702.21M | 628.05M | 698.20M |
Cash Flow | ||||||
| Free Cash Flow | 96.27M | 97.39M | 97.09M | 79.41M | 93.47M | 113.32M |
| Operating Cash Flow | 107.89M | 104.99M | 105.17M | 85.73M | 99.68M | 115.69M |
| Investing Cash Flow | -428.80M | -463.22M | -335.67M | -226.60M | -280.01M | -358.62M |
| Financing Cash Flow | 338.90M | 352.41M | 328.61M | 283.58M | -2.75M | 216.45M |
Community Bancorp Technical Analysis
Positive
58.11
Price Trends
65.92
Positive
63.47
Positive
59.30
Positive
Market Momentum
1.30
Negative
69.55
Neutral
92.98
Negative
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 67.26, below the 50-day MA of 65.92, and below the 200-day MA of 59.30, indicating a bullish trend. The MACD of 1.30 indicates Negative momentum. The RSI at 69.55 is Neutral, neither overbought nor oversold. The STOCH value of 92.98 is Negative, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.32B | 7.83 | 19.50% | 3.39% | -12.54% | 126.82% | |
77 Outperform | $1.31B | 11.53 | 9.37% | 5.30% | 0.38% | -1.41% | |
73 Outperform | $1.29B | 12.44 | 12.27% | 3.44% | 8.48% | 19.55% | |
73 Outperform | $1.16B | 13.77 | 10.20% | 1.24% | 26.26% | -8.61% | |
68 Neutral | $1.63B | 10.71 | 8.43% | ― | 6.06% | 9.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.80B | 15.16 | 4.22% | 4.05% | 2.01% | -23.22% |
* Financial Sector Average
CTBI
Community Bancorp
71.18
22.45
46.06%
OCFC
Oceanfirst Financial
18.60
2.42
14.95%
OSBC
Old Second Bancorp
22.50
5.99
36.25%
PEBO
Peoples Bancorp
36.60
9.07
32.97%
TMP
Tompkins Financial Corporation
92.02
33.31
56.74%
FSUN
FirstSun Capital Bancorp
36.91
3.77
11.38%
Community Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Community Bancorp Announces Executive Vice President Retirement Plan
Neutral
May 4, 2026
Community Trust Bancorp, Inc. announced on May 4, 2026, that Executive Vice President Richard W. Newsom plans to retire effective February 5, 2027. Newsom will continue in his roles as Executive Vice President of the company and President of Commu...
Executive/Board ChangesShareholder Meetings
Community Bancorp Shareholders Approve Directors and Governance Items
Positive
Apr 29, 2026
Community Trust Bancorp, Inc., a regional community banking company, focuses on providing loans, deposit accounts, and other banking services to individual and business clients across its operating footprint in the U.S. Through Community Trust Ban...
Business Operations and StrategyDividendsFinancial Disclosures
Community Bancorp Reports Strong 2025 Growth and Earnings
Positive
Apr 28, 2026
For 2025, Community Trust Bancorp reported that total assets rose 7.9% year-on-year to $6.68 billion, with loans up 9.1% to $4.89 billion and deposits, including repurchase agreements, up 7.3% to $5.70 billion, underscoring robust balance sheet ex...
DividendsFinancial Disclosures
Community Bancorp Reports Strong First-Quarter 2026 Earnings Growth
Positive
Apr 15, 2026
Community Trust Bancorp, Inc. reported first-quarter 2026 net income of $27.2 million, or $1.51 per basic share, essentially flat versus the fourth quarter of 2025 but up from $22.0 million, or $1.22 per share, a year earlier. The quarter, reporte...
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.