Community Bancorp (CTBI) AI Stock Analysis

• Market Cap: $1.02B
• Dividend Yield: 3.41%
• Average Volume (3M): 58.96K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 0.73
• 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: 88,320
• 30 Day Avg. Volume: 58,956
• PEG Ratio: -1.41
• Price to Book (P/B): 1.30
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.76
• Enterprise Value/Market Cap: 0.77
• Enterprise Value/Revenue: 0.53
• Enterprise Value/Gross Profit: 3.21
• Enterprise Value/Ebitda: 1.79
• 1Y Price Target: $56.00
• Price Target Upside: 1.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 79 Outperform
• Price Target: $59.00 ▲(6.92%Upside)

Community Bancorp (CTBI) demonstrates a strong financial performance, supported by robust financial statements and efficient cash flow generation. Technical indicators suggest positive momentum, and the stock is fairly valued with a reasonable P/E ratio and attractive dividend yield. Recent corporate events confirm the company's stable growth, although past stock performance has lagged behind major indices. Continued attention to operational efficiency and liability management will be key for sustained growth.

Community Bancorp Business Overview & Revenue Model

Company Description

Community Bancorp (CTBI), a financial holding company, operates primarily through its subsidiary, Community Trust Bank, Inc. The company is headquartered in Pikeville, Kentucky, and provides a wide range of banking products and services to individual and commercial customers. It operates in sectors including retail banking, commercial banking, and wealth management, offering services such as loans, deposit products, and trust services.

How the Company Makes Money

Community Bancorp (CTBI) generates revenue through interest income and non-interest income. The key revenue streams include interest earned on loans and advances made to customers, and interest from securities. Non-interest income is derived from service charges on deposit accounts, fees from trust and wealth management services, and other financial services. Additionally, the company benefits from strategic partnerships with financial service providers, which enhance its product offerings and customer reach. Factors such as regional economic conditions, interest rate environments, and regulatory changes significantly impact 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	223.96M	255.66M	238.63M	227.36M
Gross Profit	244.14M	237.61M	223.96M	222.11M	229.93M	189.50M
EBITDA	116.52M	111.69M	103.92M	106.26M	115.68M	75.61M
Net Income	86.11M	82.81M	78.00M	81.81M	87.94M	59.50M
Balance Sheet
Total Assets	6.28B	6.19B	5.77B	5.38B	5.42B	5.14B
Cash, Cash Equivalents and Short-Term Investments	1.08B	1.43B	1.22B	1.39B	1.50B	1.05B
Total Debt	327.78M	320.19M	80.97M	17.63M	13.01M	13.97M
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: Positive
• Last Price: 55.18
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 55.18 is above the 20-day moving average (MA) of 51.79, above the 50-day MA of 50.95, and above the 200-day MA of 51.66, indicating a bullish trend. The MACD of 0.89 indicates Negative momentum. The RSI at 71.45 is Negative, neither overbought nor oversold. The STOCH value of 88.04 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CTBI.

Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTBI	79 Outperform	$1.02B	11.73	11.54%	3.41%	12.27%	10.88%
CNOB	73 Outperform	$1.24B	13.47	6.21%	2.91%	2.27%	-2.50%
SBSI	72 Outperform	$929.68M	10.57	11.03%	4.68%	9.34%	8.12%
OCFC	71 Outperform	$1.08B	12.15	5.51%	4.30%	1.38%	-10.46%
BRKL	71 Outperform	$1.01B	13.81	6.01%	4.84%	4.33%	-11.14%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
TMP	56 Neutral	$945.17M	12.70	10.45%	3.79%	37.59%	969.87%

Community Bancorp Corporate Events

Community Bancorp Appoints David Baird to Board

On June 25, 2025, Community Trust Bancorp, Inc. appointed David L. Baird to its Board of Directors, expanding the board to ten members. Mr. Baird, an attorney with expertise in Mineral and Environmental Law, brings valuable experience to the board and is expected to join the Risk and Compliance Committee, enhancing the company’s governance and strategic oversight.

The most recent analyst rating on (CTBI) stock is a Buy with a $64.00 price target. To see the full list of analyst forecasts on Community Bancorp stock, see the CTBI Stock Forecast page.

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.