Community Trust Bancorp vs First Financial
CTBI and THFF 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 THFF compare
Community Trust Bancorp is the larger company, worth 1.4 times as much as First Financial ($1.3B against $917M).
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 11.5× for Community Trust Bancorp.
First Financial grew revenue faster over the last twelve months (12.8% 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 32.0% at First Financial.
Both pay dividends: Community Trust Bancorp yields 3.3% and First Financial 2.9%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $917M |
| Share price | $70.08 | $77.11 |
| Change, 1 year | 30.5% | 35.4% |
| Change, 5 years | 58.0% | 73.2% |
| Beta (5Y) | 0.52 | 0.55 |
| Employees | 930 | 946 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 | 2 |
| Performance score | 5 | 5 |
| Health score | 3 | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.5× | 10.0× (better) |
| P/S | 4.1× | 3.2× (better) |
| P/B | 1.5× | 1.4× (better) |
| P/FCF | 10.1× | 9.0× (better) |
| PEG | 1.97 (better) | 2.13 |
| FCF yield | 9.9% | 11.1% (better) |
| Fair value | $63.87 | $74.64 |
| Margin of safety | −9.7% | −3.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 12.3% | 12.8% (better) |
| Revenue growth, 5Y average | 6.6% | 6.8% (better) |
| Net income growth (TTM) | 17.9% | 23.6% (better) |
| EPS growth (TTM) | 17.6% | 23.4% (better) |
| EPS growth, 5Y average | 10.1% | 11.2% (better) |
| Profitability | ||
| Net margin | 35.8% (better) | 32.0% |
| FCF margin | 41.2% (better) | 35.8% |
| Return on equity | 12.9% | 14.3% (better) |
| Financial health | ||
| Altman Z-score | 0.29 | 0.33 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% (better) | 2.9% |
| Payout ratio | 37.7% | 28.4% |
| Years of dividend growth | 13 (better) | 2 |
| Dividend growth, 5Y average | 5.5% | 14.8% (better) |
| Buyback yield | −0.11% | 0.04% (better) |
| Shareholder yield | 3.2% (better) | 2.9% |
| Ownership | ||
| Held by institutions | 61.9% | 81.6% |
| Held by insiders | 2.0% | 8.6% |
| Insider net buying, 12 months | −$303K | −$128K (better) |
| Short interest, % of float | 3.0% | 3.8% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.