Community Bancorp (CTBI) AI Stock Analysis

• Market Cap: $1.02B
• Dividend Yield: 3.34%
• Average Volume (3M): 52.79K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.76
• Revenue Growth: 10.85%
• EPS Growth: 17.66%
• Country: US
• Employees: 939
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.38
• Shares Outstanding: 18,110,584
• 10 Day Avg. Volume: 54,576
• 30 Day Avg. Volume: 52,788
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.16
• Enterprise Value/Revenue: 3.02
• Enterprise Value/Gross Profit: 4.66
• Enterprise Value/Ebitda: 9.62
• 1Y Price Target: $63.50
• Price Target Upside: 15.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $64.00 ▲(16.26% Upside)

Community Bancorp's strong financial performance and positive corporate events, including a significant dividend increase and record earnings, are key strengths. Technical indicators support a bullish outlook, while valuation metrics suggest the stock is attractively priced. Cash flow challenges are a concern but are outweighed by the company's profitability and strategic initiatives.

Community Bancorp Business Overview & Revenue Model

Company Description

Community Bancorp (CTBI) is a financial institution based in the United States, primarily engaged in offering a range of banking and financial services to individuals, businesses, and communities. As a community bank, CTBI focuses on providing personalized customer service and tailored financial solutions, including traditional banking products such as savings and checking accounts, loans, and mortgages. The bank also offers investment services, insurance products, and wealth management, fostering economic growth and development within the communities it serves.

How the Company Makes Money

Community Bancorp generates revenue primarily through interest income from loans and fees associated with banking services. The key revenue streams include interest earned on commercial loans, consumer loans, and mortgages, which typically represent the largest portion of the company’s earnings. Additionally, CTBI earns non-interest income from service charges on deposit accounts, transaction fees, and investment advisory services. The bank may also engage in strategic partnerships with local businesses and community organizations to enhance its service offerings and expand its customer base, contributing to its overall profitability. Economic factors such as interest rates, loan demand, and regulatory changes can significantly impact its revenue generation capabilities.

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	392.21M	376.01M	326.31M	255.66M	238.63M	231.00M
Gross Profit	253.84M	237.61M	223.96M	222.11M	229.93M	189.50M
EBITDA	123.09M	111.69M	103.92M	106.26M	115.68M	75.61M
Net Income	91.51M	82.81M	78.00M	81.81M	87.94M	59.50M
Balance Sheet
Total Assets	6.39B	6.19B	5.77B	5.38B	5.42B	5.14B
Cash, Cash Equivalents and Short-Term Investments	984.81M	1.43B	1.44B	1.39B	1.77B	1.34B
Total Debt	305.87M	320.19M	306.71M	291.75M	342.81M	428.57M
Total Liabilities	5.58B	5.44B	5.07B	4.75B	4.72B	4.48B
Stockholders Equity	806.87M	757.58M	702.21M	628.05M	698.20M	654.87M
Cash Flow
Free Cash Flow	102.80M	97.09M	79.41M	93.47M	113.32M	60.90M
Operating Cash Flow	111.61M	105.17M	85.73M	99.68M	115.69M	62.38M
Investing Cash Flow	-342.47M	-335.67M	-226.60M	-280.01M	-358.62M	-693.53M
Financing Cash Flow	464.49M	328.61M	283.58M	-2.75M	216.45M	704.70M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 55.05
• 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 55.05 is below the 20-day moving average (MA) of 55.08, above the 50-day MA of 53.83, and above the 200-day MA of 52.69, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 60.00 is Neutral, neither overbought nor oversold. The STOCH value of 82.51 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	78 Outperform	$1.02B	11.07	11.99%	3.34%	10.85%	17.66%
SBSI	74 Outperform	$919.85M	10.86	10.65%	4.71%	3.54%	4.47%
BRKL	73 Outperform	$957.87M	12.21	6.43%	5.11%	2.23%	2.59%
OCFC	71 Outperform	$1.01B	12.44	5.28%	4.54%	-0.91%	-14.86%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
CNOB	68 Neutral	$1.22B	28.33	2.75%	3.02%	3.58%	-52.78%
TMP	56 Neutral	$963.45M	12.02	11.06%	3.78%	31.82%	460.57%

Community Bancorp Corporate Events

Community Bancorp Increases Quarterly Dividend by 12.8%

On July 22, 2025, Community Trust Bancorp, Inc. announced a 12.8% increase in its quarterly cash dividend, raising it to $0.53 per share. This change will take effect with the payment on October 1, 2025, for shareholders recorded by September 15, 2025. This decision reflects the company’s commitment to enhancing shareholder value and may positively impact its market positioning by attracting more investors.

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 Reports Record Q2 2025 Earnings

Community Trust Bancorp, Inc., a financial institution, reported record earnings for the second quarter of 2025, achieving a net income of $24.9 million or $1.38 per basic share. This marks an increase from the previous quarter’s $22.0 million and the same quarter last year’s $19.5 million. The company saw a rise in total revenue by $4.0 million from the prior quarter and $8.8 million from the previous year, driven by increases in net interest revenue and noninterest income, while provisions for credit losses decreased.

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 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.