Community Trust Bancorp Inc (CTBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Community Trust Bancorp Inc stock (CTBI) is currently trading at $60.15. Community Trust Bancorp Inc PE ratio is 10.79. Community Trust Bancorp Inc PS ratio (Price-to-Sales) is 3.94. Analyst consensus price target for CTBI is $69.00. WallStSmart rates CTBI as Moderate Buy.
- CTBI PE ratio analysis and historical PE chart
- CTBI PS ratio (Price-to-Sales) history and trend
- CTBI intrinsic value — DCF, Graham Number, EPV models
- CTBI stock price prediction 2025 2026 2027 2028 2029 2030
- CTBI fair value vs current price
- CTBI insider transactions and insider buying
- Is CTBI undervalued or overvalued?
- Community Trust Bancorp Inc financial analysis — revenue, earnings, cash flow
- CTBI Piotroski F-Score and Altman Z-Score
- CTBI analyst price target and Smart Rating
Community Trust Bancorp Inc
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CTBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Community Trust Bancorp Inc (CTBI)
CTBI trades at a significant discount to its Graham intrinsic value of $217.63, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Community Trust Bancorp Inc (CTBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Community Trust Bancorp Inc (CTBI) Key Strengths (6)
Keeps $50 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.24x book value, attractively priced
Strong earnings growth at 20.80% per year
65.33% held by institutions, strong professional interest
Supporting Valuation Data
Community Trust Bancorp Inc (CTBI) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.94x sales
Solid revenue growth at 13.80% per year
Community Trust Bancorp Inc (CTBI) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.03), Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.40%, Profit Margin at 36.30%. Growth metrics are encouraging with EPS Growth at 20.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.94) suggest expensive pricing. Growth concerns include Revenue Growth at 13.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CTBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CTBI's Price-to-Sales ratio of 3.94x trades at a 24% premium to its historical average of 3.18x (80th percentile). The current valuation is 16% below its historical high of 4.71x set in Dec 2016, and 93% above its historical low of 2.04x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Community Trust Bancorp Inc (CTBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Community Trust Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 270M with 14% growth year-over-year. Profit margins are strong at 36.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1210.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 36.3% and operating margin of 50.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 339.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Community Trust Bancorp Inc.
Bottom Line
Community Trust Bancorp Inc is a well-established business delivering consistent profitability with 36.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(12 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SPARKMAN, RICKY D Executive Vice President | Buy | +84 |
Data sourced from SEC Form 4 filings
Last updated: 8:25:14 AM
About Community Trust Bancorp Inc(CTBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Community Trust Bancorp, Inc. is the banking holding company for Community Trust Bank, Inc. providing commercial and personal banking services to small and medium-sized communities. The company is headquartered in Pikeville, Kentucky.