QualityDipStocks / Finance · Major Banks
Community Trust Bancorp CTBI
Outside our quality screen, so we don’t track its dips. It’s 12% below its 52-week high.
Outside our quality screen, trading near our fair value estimate.
- Fair value est.
- $65.17−7%
- Market Value
- $69.66price 0%
- Off 52-wk high
- −12%
- Risk vs market
- Lowbeta 0.34
52-week range 67% of the way from its 52-week low to its high
Price $70.03Fair value est. $65.17Market Value $69.66
4 bullish · 3 bearish See why
Repriced or dip?
Dip: business intact
The price is 12% below its 52-week high (Aug 4), but the business held up: shares outstanding more shares, each owns less, revenue +2.8%, earnings per share +4.1%.
Some numbers held up (shares outstanding more shares, each owns less, revenue +2.8%, earnings per share +4.1%), others slipped. The price is 12% below its 52-week high.
The price is 12% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 7 numbers, high vs now
- Revenue, last 12 months$291M → $299M (+2.8%)held up
- Revenue growth rate+13.5% → +12.9% a year (−0.7 pts)held up
- Earnings per share, 12 months$5.71 → $5.94 (+4.1%)held up
- Shares outstanding+0.5% (more shares, each owns less)held up
- Stock vs its sector (Finance)stock −12%, sector median −5% since Aug 4held up
- Price fall vs business numbersprice −12%, revenue/EPS/FCF median +3% (shown, not scored)
- Valuation multipleP/E 13.9× at the high → 11.8× now (shown, not scored)
Business numbers as reported at the high (12 months to Mar 31, 2026) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 13.9×; 52-wk low: P/E 10.1×; now: P/E 11.8×.
| High | Low | Now | |
|---|---|---|---|
| Price | $79.46Aug 4 | $51.20Oct 31 | $70.03 |
| P/E | 13.9× | 10.1× | 11.8× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
How the range is computed
Financials model (residual income). Same residual-income model as the base: cost of equity 9.5% ±1 point and return on equity 11.4% ±2 points. Bear = 10.5% and 9.4%; bull = 8.5% and 13.4%. A model estimate from public filings, not a forecast of where the price will go.
Price sits inside the range.
What the price implies To be worth today’s price, CTBI would need a return on equity of about 12% a year; our estimate uses 11%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much CTBI moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 2.0× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.34
- Volatility
- 26% vs 13% SPY
- Correlation SPY
- 0.17
- Correlation QQQ
- 0.02
How it ranks
Where CTBI stands vs every one of the 2,467 stocks we cover that has the number. Longer bar = better.
Not in the top quarter on any of these 3 measures
- Discount to fair value estimate7% · price above our base caseLowest 49%of 1,507
- Dividends + buybacks yield3% · cash paid out or used to retire shares, vs market capTop 45%of 2,227
- Revenue growth, last 12 months+13% · vs the 12 months beforeTop 39%of 2,184
From SEC filings and our fair value estimate model. A ranking, not advice.
Valuation details
DCF $65.17 · MV $69.66
Financials model (residual income): book value $52.85 a share on Jun 30, 2026, plus the earnings above a 9.5% cost of equity. ROE 11.4%, the average of 11.7% for the trailing 12 months to Jun 30, 2026 and 11.1% over fiscal 2021–2025, on average common equity; payout 35% of earnings (dividends 35%), so book grows by the retained rest; the return above 9.5% fades halfway toward 9.5% over 10 years, then grows at 3% (terminal value). From the 10-Q filed Aug 7, 2026.
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthSales grew 13% to $299M over the last 12 months vs the 12 months before (SEC filings).
Cash returnsDividend yield of 3.0% ($38M paid over 12 months, 35% of earnings).
GrowthDiluted EPS grew 18% to $5.43 in FY2025.
ProfitabilityNet margin of 36%, above the 22% median for the 350 Finance companies we cover.
Top bearish points 3 of 5
Cash returnsShare count up 0.3% over 12 months, above the −1.0% median for the 318 Finance companies we cover.
GrowthSales grew 7.6% a year over the last three fiscal years, below the 9.2% median for the 356 Finance companies we cover.
QualityDoesn’t pass our quality screen: no cash-flow data.
All fundamentals
P/E 11.8 · ROE 13% · Sales +13%
Valuation
- P/E
- 11.8×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 4.26×
- Price / book
- 1.43×
- Market cap
- $1.3Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $299Mnet interest income + noninterest income
- Sales growth, 12 months
- +12.9%vs the 12 months before
- Sales growth, 3 yrs
- +7.6%/yrfrom FY2022
- Diluted EPS, 12 months
- $5.97
- EPS growth, last FY
- +17.8%
- Net income, 12 months
- $108M
- Net income growth
- +18%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 36.1%
- FCF margin
- 43.6%
- Return on equity
- 13%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $514M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $130M
- FCF growth, 12 months
- +27%
- Dividend yield
- 3.00%$38M paid
- Payout ratio
- 35%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +0.3%diluted shares vs a year ago
- Stock-based comp
- $2M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Community Trust Bancorp’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +4%
- Return on equity13%
- Sales growth (latest quarter vs year-ago quarter)+4%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $70.03
- 52-wk lowlowest close, 1 year$51.20−26.9%
- Fair value est.base case$65.17−6.9%
- Market Valueavg paid since Oct 21$69.66−0.5%
- PriceMon Nov 2 close$70.03you are here
- 52-wk highhighest close, 1 year$79.46+13.5%
Momentum & 52-week range
RSI 40 · 5 days −0.7%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
CTBI is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Community Trust Bancorp in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.