Community Trust Bancorp vs Northpointe Bancshares
CTBI and NPB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CTBI and NPB compare
Community Trust Bancorp is the larger company, worth 2.4 times as much as Northpointe Bancshares ($1.3B against $534M).
On earnings, Northpointe Bancshares is cheaper: it trades at 7.2× trailing earnings, against 11.5× for Community Trust Bancorp.
Northpointe Bancshares grew revenue faster over the last twelve months (13.0% versus 12.3% for Community Trust Bancorp).
Community Trust Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.8% compared with 32.9% at Northpointe Bancshares.
Both pay dividends: Community Trust Bancorp yields 3.3% and Northpointe Bancshares 0.68%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | NPB |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $534M |
| Share price | $70.18 | $15.43 |
| Change, 1 year | 29.4% | −7.5% |
| Change, 5 years | 58.2% | – |
| Beta (5Y) | 0.52 | 0.86 |
| Employees | 930 | 483 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 1 | 5 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 5 (better) | 3 |
| Health score | 3 | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.5× | 7.2× (better) |
| P/S | 4.2× | 2.1× (better) |
| P/B | 1.5× | 0.9× (better) |
| P/FCF | 10.1× | 3.4× (better) |
| PEG | 1.98 | – |
| FCF yield | 9.9% | 29.0% (better) |
| Fair value | $63.87 | $24.50 |
| Margin of safety | −9.9% | 37.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 12.3% | 13.0% (better) |
| Revenue growth, 5Y average | 6.6% | – |
| Net income growth (TTM) | 17.9% (better) | 15.8% |
| EPS growth (TTM) | 17.6% (better) | 12.0% |
| EPS growth, 5Y average | 10.1% | – |
| Profitability | ||
| Net margin | 35.8% (better) | 32.9% |
| FCF margin | 41.2% | 62.2% (better) |
| Return on equity | 12.9% | 13.1% (better) |
| Financial health | ||
| Altman Z-score | 0.29 (better) | 0.15 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% (better) | 0.68% |
| Payout ratio | 37.7% | 4.2% |
| Years of dividend growth | 13 (better) | 0 |
| Dividend growth, 5Y average | 5.5% | – |
| Buyback yield | −0.11% | −0.00% (better) |
| Shareholder yield | 3.2% (better) | 0.68% |
| Ownership | ||
| Held by institutions | 61.9% | 63.8% |
| Held by insiders | 2.0% | 15.3% |
| Insider net buying, 12 months | −$303K | $4.2M (better) |
| Short interest, % of float | 3.0% | 2.6% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- NPB stock overview
- NPB income statement
- NPB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.