Community Trust Bancorp vs Republic Bancorp
CTBI and RBCAA 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 RBCAA compare
Republic Bancorp is the larger company, worth 1.4 times as much as Community Trust Bancorp ($1.8B against $1.3B).
On earnings, Community Trust Bancorp is cheaper: it trades at 11.5× trailing earnings, against 14.0× for Republic Bancorp.
Community Trust Bancorp grew revenue faster over the last twelve months (12.3% versus 1.7% for Republic Bancorp).
Community Trust Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.8% compared with 30.8% at Republic Bancorp.
Both pay dividends: Community Trust Bancorp yields 3.3% and Republic Bancorp 2.1%.
Community Trust Bancorp scores higher on the StockData Score (15 against 9 for Republic Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | RBCAA |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $1.8B |
| Share price | $70.08 | $91.12 |
| Change, 1 year | 30.5% | 39.0% |
| Change, 5 years | 58.0% | 66.8% |
| Beta (5Y) | 0.52 | 0.63 |
| Employees | 930 | 973 |
| StockData Score | ||
| Total score | 15 (better) | 9 |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 (better) | 0 |
| Performance score | 5 (better) | 4 |
| Health score | 3 (better) | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.5× (better) | 14.0× |
| P/S | 4.1× (better) | 4.3× |
| P/B | 1.5× (better) | 1.5× |
| P/FCF | 10.1× (better) | 12.6× |
| PEG | 1.97 | – |
| FCF yield | 9.9% (better) | 8.0% |
| Fair value | $63.87 | $75.09 |
| Margin of safety | −9.7% (better) | −21.3% |
| Growth | ||
| Revenue growth (TTM) | 12.3% (better) | 1.7% |
| Revenue growth, 5Y average | 6.6% (better) | 5.5% |
| Net income growth (TTM) | 17.9% (better) | 1.4% |
| EPS growth (TTM) | 17.6% (better) | 1.1% |
| EPS growth, 5Y average | 10.1% | – |
| Profitability | ||
| Net margin | 35.8% (better) | 30.8% |
| FCF margin | 41.2% (better) | 33.9% |
| Return on equity | 12.9% (better) | 11.5% |
| Financial health | ||
| Altman Z-score | 0.29 | 0.44 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% (better) | 2.1% |
| Payout ratio | 37.7% | 28.2% |
| Years of dividend growth | 13 | – |
| Dividend growth, 5Y average | 5.5% | – |
| Buyback yield | −0.11% | – |
| Shareholder yield | 3.2% (better) | 2.1% |
| Ownership | ||
| Held by institutions | 61.9% | 28.9% |
| Held by insiders | 2.0% | 6.4% |
| Insider net buying, 12 months | −$303K (better) | −$430K |
| Short interest, % of float | 3.0% | 2.7% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- RBCAA stock overview
- RBCAA income statement
- RBCAA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.