Stocks · Financial Services · Banks - Regional
Community Trust Bancorp, Inc. CTBI
$76.08 -0.17% Close, Oct 5, 2026 · NASDAQ · Market cap $1.38B
Strong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 12.7× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 219 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $422.6M, up 7.8% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth53Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 45%
- EPS growth (TTM, YoY)Bottom 48%
- FCF growth (TTM, YoY)Top 46%
- Revenue growth, 3-year CAGRTop 42%
- Revenue growth accelerationBottom 45%
Quality63Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginTop 41%
- Operating marginTop 23%
- Cash conversion (OCF / net income)Top 43%
- Accruals (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Bottom 40%
- Interest coverTop 44%
Value45Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 39%
- Free-cash-flow yieldTop 42%
- EBITDA / enterprise valueTop 37%
- Sales / enterprise valueBottom 35%
- P/E vs own 5-year history (lower is better)Bottom 13%
Momentum93Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 15%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 22%
- Trend checklist (0–4)Top 26%
Revisions26Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 46%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 11%
- Upside to consensus price targetBottom 25%
Stability61Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 31%
- Maximum drawdown, 3 yearsTop 37%
- Beta vs S&P 500 (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Bottom 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.5% | 7.8% | ↓ |
| EPS growth (YoY) | 19.2% | 17.5% | ↓ |
| Gross margin | 64.7% | 68.6% | ↑ |
| Operating margin | 30.0% | 33.1% | ↑ |
| FCF margin | 26.2% | 29.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.8% | 8.5% | ↓ | Top 45% |
| EPS growth (TTM, YoY) | 17.5% | 19.2% | ↓ | Bottom 48% |
| Gross margin | 68.6% | 64.7% | ↑ | Top 41% |
| Operating margin | 33.1% | 30.0% | ↑ | Top 23% |
| Net margin | 25.6% | 23.3% | ↑ | — |
| Free-cash-flow margin | 29.8% | 26.2% | ↑ | — |
| Return on invested capital | 1.5% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 17.0% | — | Top 42% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.26×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.17×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.76%
- Net buyback yield (TTM)
- -0.10%
- Shareholder yield
- 2.66%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- +0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +4.3%
- Average 2-day reaction, last 8
- +2.7%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $81.50
- Target vs current price
- +7.1%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 17%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 15, 2026 | +7.9% | +3.8% | +4.0% | +8.1% | — |
| Apr 15, 2026 | +7.9% | +2.7% | +1.1% | +0.7% | +11.8% |
| Jan 21, 2026 | +5.6% | +10.1% | +4.0% | +7.2% | +10.0% |
| Oct 15, 2025 | -4.3% | -5.3% | -6.4% | -3.9% | +2.8% |
| Jul 16, 2025 | +8.7% | +3.8% | +5.3% | +3.9% | +3.1% |
| Apr 16, 2025 | +2.5% | +1.1% | +4.7% | +12.1% | +17.8% |
| Jan 15, 2025 | +4.2% | +2.3% | +1.0% | +4.4% | -12.9% |
| Oct 16, 2024 | +7.0% | +3.2% | +2.1% | +18.4% | +0.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 15, 2026 | $1.64 | $1.52 | +7.9% | $78.5M |
| Apr 15, 2026 | $1.50 | $1.39 | +7.9% | $74.2M |
| Jan 21, 2026 | $1.51 | $1.43 | +5.6% | $74.7M |
| Oct 15, 2025 | $1.32 | $1.38 | -4.3% | $71.5M |
| Jul 16, 2025 | $1.38 | $1.27 | +8.7% | $70.2M |
| Apr 16, 2025 | $1.22 | $1.19 | +2.5% | $66.2M |
| Jan 15, 2025 | $1.25 | $1.20 | +4.2% | $65.7M |
| Oct 16, 2024 | $1.23 | $1.15 | +7.0% | $62.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.7× | 10.3× | 90th | Top 39% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 11.8× | — | — | Top 37% |
| EV / Sales | 4.02× | — | — | Bottom 35% |
| Free-cash-flow yield | 9.09% | — | — | Top 42% |
| Earnings yield | 7.85% | — | — | Top 39% |
P/E over the past five years
Range 7.4× – 13.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.2%
- Earnings per share growth (TTM)
- +17.5%
- Change in P/E multiple
- +23.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 219
- 50-day average slope (20 days)
- +1.3%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- -1.1%
- Distance from 200-day average
- +12.5%
- RSI (14)
- 51.1
- Relative volume
- 1.10×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.1%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.66
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -4.3%
- Maximum drawdown, 3 years
- -25.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 1, 2022 | May 11, 2023 | -30.7% | 110 days | 295 days (Jul 16, 2024) |
| Nov 6, 2024 | Apr 11, 2025 | -25.1% | 106 days | 171 days (Dec 16, 2025) |
| Mar 12, 2021 | Jul 19, 2021 | -17.4% | 88 days | 324 days (Oct 28, 2022) |
| Jul 26, 2024 | Aug 12, 2024 | -12.8% | 11 days | 46 days (Oct 16, 2024) |
| Feb 6, 2026 | Mar 18, 2026 | -11.8% | 27 days | 15 days (Apr 9, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.38B
- P/E (TTM)
- 12.7
- EPS, diluted (TTM)
- $5.97
- Revenue (TTM)
- $422.6M
- Dividend yield
- 3.02%
- 52-week range
- $50.25 – $79.92
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $238.6M | $255.7M | $326.3M | $376.0M | $409.3M |
| Gross profit | $229.9M | $222.1M | $224.0M | $237.6M | $273.1M |
| Operating income | $110.6M | $101.0M | $98.6M | $106.7M | $127.1M |
| Net income | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M |
| EPS (diluted) | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $95.4M | $98.1M | $97.0M | $101.7M | $104.5M | $106.1M | $103.2M | $108.8M |
| Net income | $22.1M | $22.5M | $22.0M | $24.9M | $23.9M | $27.3M | $27.2M | $29.6M |
| EPS (diluted) | $1.23 | $1.25 | $1.22 | $1.38 | $1.32 | $1.51 | $1.50 | $1.64 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $115.7M | $99.7M | $85.7M | $105.2M | $105.0M |
| Capital expenditure | -$2.4M | -$6.2M | -$6.3M | -$8.1M | -$7.6M |
| Free cash flow | $113.3M | $93.5M | $79.4M | $97.1M | $97.4M |
| Dividends paid | -$27.9M | -$29.9M | -$32.2M | -$33.4M | -$36.0M |
| Net share buybacks | $965,000 | $1.0M | $1.1M | $1.8M | $1.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $205.7M
- Total assets
- $6.99B
- Total liabilities
- $6.10B
- Total debt
- $377.5M
- Net debt
- $313.7M
- Shareholders’ equity
- $891.8M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.71 | Oct 1, 2026 |
| Jun 15, 2026 | $0.53 | Jul 1, 2026 |
| Mar 13, 2026 | $0.53 | Apr 1, 2026 |
| Dec 15, 2025 | $0.53 | Jan 2, 2026 |
| Sep 15, 2025 | $0.53 | Oct 1, 2025 |
| Jun 13, 2025 | $0.47 | Jul 1, 2025 |
| Mar 14, 2025 | $0.47 | Apr 1, 2025 |
| Dec 13, 2024 | $0.47 | Jan 2, 2025 |
Short interest
- Shares sold short
- 613,523
- Days to cover
- 7.50
- Change vs previous report
- +14.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 13, 2014
- 11-for-10
- Nov 29, 2004
- 11-for-10
- Nov 26, 2003
- 11-for-10
- Nov 26, 2002
- 11-for-10
- Mar 16, 2000
- 11-for-10