Community Trust Bancorp Inc (CTBI) stock
CTBINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 15/3010% above fair value
$70.18+0.09 (+0.13%)
Close on Nov 13, 2026Market cap $1.28BP/E 11.5Yield 2.85%
Community Trust Bancorp statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, before the open)
- Last ex-dividend date
- Dec 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.57
- 1.52
- P/OCF Ratio
- 9.65
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.07
- 2.95
- EV / FCF
- 7.46
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.32%
- 0.33%
- Shares Change (QoQ)
- 0.02%
- 0.00%
- Float
- 18M
- 17M
- Shares Held by Insiders
- 2.05%
- 6.05%
- Shares Held by Institutions
- 61.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 529,117
- –
- Short Interest Change
- -4.25%
- -4.13%
- Short % of Float
- 2.97%
- 3.58%
- Short % of Shares Outstanding
- 2.91%
- 3.18%
- Days to Cover
- 3.56
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $79.92
- –
- 52-Week Low
- $52.55
- –
- 20-Day Moving Average
- $70.38
- –
- 50-Day Moving Average
- $73.54
- –
- 200-Day Moving Average
- $69.43
- –
- Average True Range (14)
- $1.79
- –
- Price Change (1 Week)
- 1.55%
- 0.69%
- Price Change (1 Month)
- -5.71%
- 3.79%
- Price Change (3 Months)
- -10.6%
- -2.72%
- Price Change (6 Months)
- 9.62%
- 12.2%
- Price Change (YTD)
- 24.2%
- 19.9%
- Price Change (1 Year)
- 29.4%
- 25.7%
- Price Change (3 Years)
- 69.6%
- 65.1%
- Price Change (5 Years)
- 55.6%
- 26.9%
- Price Change (10 Years)
- 67.1%
- 66.8%
- Average Volume (10 Days)
- 107,346
- –
- Average Volume (20 Days)
- 130,481
- –
- Average Volume (90 Days)
- 120,569
- –
- Relative Volume
- 0.48
- 0.68
- Relative Strength Index (14)
- 44.2
- 53.1
- Volatility (1 Year)
- 25.7%
- 24.4%
- Beta (5 Years)
- 0.52
- 0.63
MarginsIndustry
- Pretax Margin
- 46.6%
- 37.0%
- FCF Margin
- 41.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.9%
- 10.7%
- Return on Assets (ROA)
- 1.61%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 12.3%
- 11.7%
- Net Income Growth (YoY)
- 17.9%
- 22.6%
- EPS Growth (YoY)
- 17.6%
- 21.6%
- FCF Growth (YoY)
- 21.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- 7.57%
- 5.82%
- Revenue Growth (5Y CAGR)
- 6.57%
- 6.17%
- EPS Growth (3Y CAGR)
- 5.84%
- 1.31%
- EPS Growth (5Y CAGR)
- 10.1%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $330.22K
- $358.92K
- Profits Per Employee
- $118.26K
- $110.51K
- Employee Count
- 930
- 492
- WACC
- 7.70%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $143.11M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $331.57M
- $165.09M
- Net Cash Per Share
- $18.25
- $8.07
- Equity (Book Value)
- $877.34M
- $570.13M
- Book Value Per Share
- $48.29
- $28.12
- Tangible Book Value
- $811.85M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$5.76M
- -$4.24M
- FCF Per Share
- $6.96
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.63%
- 8.29%
- FCF Yield
- 9.91%
- 9.18%
- Dividend Yield
- 2.85%
- 2.44%
- Buyback Yield
- -0.11%
- 1.82%
- Shareholder Yield
- 2.74%
- 3.26%
- Dividend Per Share
- $2.00
- $0.92
- Dividend Growth (YoY)
- 7.53%
- 4.26%
- Years of Dividend Growth
- 13
- 2
- Payout Ratio
- 37.7%
- 28.5%
- FCF Payout Ratio
- 32.8%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $33.13M
- $16.14M
- Effective Tax Rate
- 23.1%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $81.28
- $45.07
- Graham Upside
- 15.8%
- 18.8%
- Altman Z-Score
- 0.29
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $61.66
- –
- Lynch Upside
- -12.1%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CTBI | S&P 500 | Difference | CTBI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -5.3% | -3.0% | −2.2 pts | ||
| 3 months | -10.5% | -2.8% | −7.7 pts | ||
| Year to date | +27.4% | +11.5% | +16.0 pts | ||
| 1 year | +34.1% | +13.5% | +20.7 pts | ||
| 3 years | +100.4% | +77.7% | +22.7 pts | +26.1% | +21.1% |
| 5 years | +89.6% | +72.6% | +17.0 pts | +13.6% | +11.5% |
| 10 years | +145.5% | +308.2% | −162.6 pts | +9.4% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M CTBI shares were sold short on Oct 30, 2026, down 4.3% from the previous report, or 2.97% of the shares available to trade. At recent volumes it would take 3.6 days to buy them back. Over the last 20 sessions, 47.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 529,117 | -4.3% | 148,692 | 3.6 |
| Oct 15, 2026 | 552,616 | -12.5% | 129,756 | 4.3 |
| Sep 30, 2026 | 631,487 | +2.9% | 136,757 | 4.6 |
| Sep 15, 2026 | 613,523 | +14.0% | 81,815 | 7.5 |
| Aug 31, 2026 | 538,014 | -7.7% | 102,445 | 5.3 |
| Aug 14, 2026 | 582,931 | +4.2% | 93,203 | 6.3 |
| Jul 31, 2026 | 559,353 | +26.1% | 132,936 | 4.2 |
| Jul 15, 2026 | 443,592 | +0.6% | 130,914 | 3.4 |
| Jun 30, 2026 | 440,992 | +49.0% | 162,106 | 2.7 |
| Jun 15, 2026 | 295,963 | +17.0% | 85,343 | 3.5 |
| May 29, 2026 | 252,897 | +5.7% | 85,523 | 3.0 |
| May 15, 2026 | 239,195 | -3.8% | 74,743 | 3.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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