Community Bancorp (CTBI) AI Stock Analysis

• Market Cap: $1.03B
• Dividend Yield: 3.4%
• Average Volume (3M): 55.44K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.68
• Revenue Growth: 9.93%
• EPS Growth: 17.67%
• Country: US
• Employees: 939
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.32
• Shares Outstanding: 18,115,847
• 10 Day Avg. Volume: 42,303
• 30 Day Avg. Volume: 55,435
• PEG Ratio: 2.00
• Price to Book (P/B): 1.26
• Price to Sales (P/S): 2.53
• P/FCF Ratio: 9.80
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 3.25
• Enterprise Value/Gross Profit: 4.99
• Enterprise Value/Ebitda: 10.31
• 1Y Price Target: $61.00
• Price Target Upside: 6.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 5.33
• Revenue Forecast (FY): $278.05M

• Rating: 78 Outperform
• Price Target: $65.00 ▲(13.80% Upside)

Community Bancorp's strong financial performance and bullish technical indicators are the primary drivers of its high score. The attractive valuation further supports the stock's potential, while the positive corporate events highlight its robust growth. The absence of earnings call data does not impact the overall assessment.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a stable demand for Community Bancorp's services, supporting long-term business expansion and market presence.

Profitability Margins

Strong profitability margins suggest effective cost management and operational efficiency, which are crucial for sustaining long-term financial health.

Leverage Management

A conservative leverage approach ensures financial stability and flexibility, allowing the company to navigate economic fluctuations effectively.

Negative Factors

Cash Flow Generation

Low cash flow conversion can hinder the company's ability to invest in growth opportunities and meet financial obligations, impacting long-term sustainability.

Free Cash Flow Growth

Negative free cash flow growth suggests potential operational inefficiencies, which could limit the company's capacity to fund expansion and innovation.

Equity Ratio

A lower equity ratio compared to peers may indicate a risk of over-reliance on debt, potentially affecting the company's financial resilience.

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 accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

How the Company Makes Money

Community Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees for services provided. The key revenue streams include interest from personal and commercial loans, mortgage lending, and investment securities. Additionally, CTBI earns non-interest income through service fees on deposit accounts, ATM fees, and wealth management services. The company may also benefit from strategic partnerships with local businesses and organizations, enhancing its customer base and service offerings, thereby contributing to its overall earnings.

Community Bancorp Financial Statement Overview

Summary

Community Bancorp demonstrates strong profitability and a stable financial position, with consistent revenue growth and effective cost management. However, there are concerns regarding cash flow generation and slight declines in certain profitability margins. The company should focus on improving cash flow efficiency and maintaining its leverage at manageable levels to ensure long-term financial health.

Income Statement

Community Bancorp has shown consistent revenue growth, with a TTM revenue growth rate of 2.45%. The gross profit margin remains strong at 64.72%, indicating efficient cost management. The net profit margin of 23.33% and EBIT margin of 30.01% reflect solid profitability. However, there is a slight decline in gross profit margin compared to previous years, which could be a point of concern if it continues.

Balance Sheet

The company maintains a healthy debt-to-equity ratio of 0.38, suggesting a conservative approach to leverage. Return on equity is strong at 11.77%, indicating effective use of equity to generate profits. The equity ratio of 12.62% shows a stable financial position, though slightly lower than industry peers, which could pose a risk if asset growth outpaces equity growth.

Cash Flow

Operating cash flow to net income ratio is low at 0.02, which may indicate challenges in converting income into cash. Free cash flow growth is negative at -4.49%, reflecting potential issues in generating cash from operations. However, the free cash flow to net income ratio remains high at 92.11%, suggesting that the company is still able to generate cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	401.34M	376.01M	326.31M	255.66M	238.63M	231.00M
Gross Profit	261.45M	237.61M	223.96M	222.11M	229.93M	189.50M
EBITDA	126.55M	111.69M	103.92M	106.26M	115.68M	75.61M
Net Income	93.28M	82.81M	78.00M	81.81M	87.94M	59.50M
Balance Sheet
Total Assets	6.64B	6.19B	5.77B	5.38B	5.42B	5.14B
Cash, Cash Equivalents and Short-Term Investments	1.13B	1.43B	1.44B	1.39B	1.77B	1.34B
Total Debt	366.41M	320.19M	306.71M	291.75M	342.81M	428.57M
Total Liabilities	5.81B	5.44B	5.07B	4.75B	4.72B	4.48B
Stockholders Equity	831.37M	757.58M	702.21M	628.05M	698.20M	654.87M
Cash Flow
Free Cash Flow	103.80M	97.09M	79.41M	93.47M	113.32M	60.90M
Operating Cash Flow	112.45M	105.17M	85.73M	99.68M	115.69M	62.38M
Investing Cash Flow	-410.53M	-335.67M	-226.60M	-280.01M	-358.62M	-693.53M
Financing Cash Flow	564.76M	328.61M	283.58M	-2.75M	216.45M	704.70M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 57.12
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 57.12 is above the 20-day moving average (MA) of 54.84, above the 50-day MA of 54.07, and above the 200-day MA of 52.71, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 65.88 is Neutral, neither overbought nor oversold. The STOCH value of 92.01 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
TMP	78 Outperform	$1.01B	11.82	11.20%	3.50%	9.55%	27.32%
CTBI	78 Outperform	$1.03B	11.04	11.72%	3.40%	9.93%	17.67%
OSBC	77 Outperform	$952.70M	11.99	9.24%	1.27%	10.42%	-18.32%
FSUN	76 Outperform	$978.02M	11.09	8.28%	―	4.44%	3.19%
OCFC	75 Outperform	$1.02B	13.79	4.77%	4.14%	-2.15%	-25.32%
PEBO	74 Outperform	$1.08B	10.59	8.75%	5.39%	0.11%	-18.63%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Community Bancorp Corporate Events

Community Bancorp Reports Strong Financial Growth in 2025

Community Bancorp reported significant financial growth for the nine months ending September 30, 2025. The company’s earnings per share increased by 17%, net income rose by 17.3%, and revenues grew by 13.7% compared to the same period in 2024. The bank’s total assets increased by $444.9 million, and deposits rose by $360 million, reflecting a robust operational performance and a strong market position in the regional banking sector.

Community Bancorp Reports Q3 2025 Earnings Results

Community Trust Bancorp, Inc. reported its earnings for the third quarter of 2025, with a net income of $23.9 million or $1.33 per basic share, a decrease from the previous quarter but an increase from the same quarter last year. The company’s total revenue rose by $1.3 million from the prior quarter and $8.7 million from the same quarter last year, driven by a $1.5 million increase in net interest revenue compared to the previous quarter and an $8.4 million increase compared to the same quarter last year. However, noninterest income slightly decreased from the prior quarter but increased from the same quarter last year. The provision for credit losses and noninterest expenses also saw increases compared to both the prior quarter and the same quarter last year.