Community Trust Bancorp, Inc. (CTBI) Stock Price & Analysis
Community Trust Bancorp, Inc. (CTBI) closed at USD 71.09 on Thursday, October 22, 2026, up 4.04% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 68.33; the Oct 22, 2026 session ranged USD 68.3–71.53 on volume of 186,324 shares. Market capitalization is $1.29B, with a 52-week range of USD 50.25–79.92 (NMS). Source: Nexqual, retrieved October 23, 2026 at 10:34 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CTBI.md
Key facts (CTBI)
- Last four reported quarters (through Jun 30, 2026): revenue $299M, net income $108M (36.1% margin) (SEC filings).
- Valuation: P/E 12.0x (avg 10.7x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $308K; 1 not under a Rule 10b5-1 plan ($308K); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (3 analysts), mean target USD 76.67 (range 75–80).
- Total return with dividends: 1Y +41.0% vs S&P 500 +14.9%; 5Y +99.5% vs S&P 500 +80.3%.
- Next earnings: 2027-01-20, EPS estimate USD 1.62, revenue estimate $79.6M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CTBI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $224M | $227M | $231M | $249M | $283M | $299M |
| Net income | $87.9M | $81.8M | $78.0M | $82.8M | $98.1M | $108M |
| EPS (diluted) | $4.94 | $4.58 | $4.36 | $4.61 | $5.43 | — |
| Free cash flow | $113M | $93.5M | $79.5M | $97.2M | $97.4M | $130M |
| Net margin | 39.3% | 36.0% | 33.8% | 33.3% | 34.7% | 36.1% |
| Revenue growth | +8.8% | +1.6% | +1.7% | +7.7% | +13.7% | — |
| Cash + short-term investments | $312M | $129M | $271M | $370M | $364M | — |
| Total debt | — | $274M | $290M | $305M | $373M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CTBI)
P/E 12.0x · P/S 4.3x · P/FCF 9.9x · P/B 1.4x · FCF yield 10.09% · Earnings yield 8.36% · Dividend yield (paid, TTM) 2.96%
P/E at fiscal year-ends: Dec 2025 10.4x, Dec 2024 11.5x, Dec 2023 10.1x.
Insider sales (SEC Form 4, open-market, last ~7 months) (CTBI)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-14 | Minnifield Franky | Director | 3,900 | $308K | 31.9% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (CTBI)
Consensus Buy (mean 2.00 on a 1–5 scale), 3 analysts; mean target USD 76.67 (low 75, high 80).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-22 | Piper Sandler | Target lowered | Neutral | $81 → $75 |
| 2026-07-16 | Piper Sandler | Target raised | Neutral | $76 → $81 |
Total return (dividends reinvested) (CTBI)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +41.0% | +99.5% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +41.2% | +14.8% |
| Volatility (annualized) | 25.6% | 23.2% |
| Max drawdown | -13.2% (Aug 2026→Oct 2026) | -29.0% (Nov 2022→May 2023) |
CTBI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.62 | $1.61 | +0.4% | $79.6M | 3 |
| Next quarter (ends Mar 2027) | $1.57 | $1.55 | +1.5% | $78.7M | 3 |
| Current fiscal year (ends Dec 2026) | $6.16 | $6.39 | -3.5% | $311.4M | 3 |
| Next fiscal year (ends Dec 2027) | $6.48 | $6.47 | +0.2% | $326.0M | 3 |
CTBI options: expected move
Options price a move of about ±13.3% (±$9.48) by Mar 19, 2027, which includes earnings on Jan 20, 2027; the earnings reaction alone is priced at about ±2.2%. Over the last 8 reports the stock moved ±4.4% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 32.4% | ±7.3% |
| Dec 18, 2026 | 56 | 25.8% | ±8.4% |
| Mar 19, 2027 | 147 | 26.1% | ±13.3% |
| Jun 17, 2027 | 237 | 25.9% | ±16.5% |
30-day implied volatility 26% vs 34.2% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 10:34 UTC)
| Price | USD 71.09 |
|---|---|
| Change | ▲ 4.04% (up) |
| Previous Close | USD 68.33 |
| Open | USD 68.3 |
| Day Range | USD 68.3 – 71.53 |
| 52-Week Range | USD 50.25 – 79.92 |
| Volume | 186,324 shares |
| Market Cap | $1.29B |
| Exchange | NMS |
Technical Analysis (CTBI)
Nexqual's technical model rates CTBI "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 10:34 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 38.59 (neutral) |
| vs SMA50 | Below (USD 75.8) |
| MACD | -1.04 (negative) |
Analyst Ratings (CTBI)
Wall Street analysts rate CTBI "Buy" based on 3 analysts, with a mean price target of USD 76.67 (range USD 75–80), per Nexqual as of October 23, 2026 at 10:34 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 76.67 |
| High Target | USD 80 |
| Low Target | USD 75 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (CTBI)
| Next Earnings Date | 2027-01-20 |
|---|---|
| EPS Estimate | USD 1.62 |
| Revenue Estimate | $79.60M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.43 vs est 1.65 ▼ miss |
| 2026-06-30 | USD 1.64 vs est 1.52 ▲ beat |
| 2026-03-31 | USD 1.5 vs est 1.39 ▲ beat |
| 2025-12-31 | USD 1.51 vs est 1.43 ▲ beat |
Source: Nexqual, October 23, 2026 at 10:34 UTC.
Financials & Fundamentals (CTBI)
| Total Revenue | $289.95M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.30% |
| Gross Margin | +0.00% |
| Operating Margin | +49.34% |
| Profit Margin | +37.93% |
| ROE | +12.87% |
| Total Cash | $59.17M |
| Total Debt | $431.11M |
Source: Nexqual, October 23, 2026 at 10:34 UTC.
Financial Health Score (CTBI)
Nexqual rates Community Trust Bancorp, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 10:34 UTC.
| Growth | Solid — Revenue +14% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 35% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 13%, ROA 1.6% |
Ownership (CTBI)
| Insider Ownership | +1.35% |
|---|---|
| Institutional Ownership | +63.09% |
| Shares Outstanding | 18.17M |
| Float | 16.69M |
| Short % of Float | +4.02% |
Source: Nexqual, October 23, 2026 at 10:34 UTC.
Leadership (CTBI)
Community Trust Bancorp, Inc. is led by Mark A. Gooch, CEO, Chairman & President, per Nexqual as of October 23, 2026 at 10:34 UTC.
| CEO, Chairman & President | Mark A. Gooch |
|---|---|
| Executive VP, CFO & Treasurer | Kevin J. Stumbo |
| Executive VP & Director | Richard W. Newsom |
| Executive Vice President | Ricky D. Sparkman |
| Executive Vice President | Thomas E. McCoy |
Major Backers & Investors (CTBI)
Notable institutional backers of Community Trust Bancorp, Inc. include Community Trust & Investment Company, American Century Companies Inc, DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio, according to Nexqual as of October 23, 2026 at 10:34 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Community Trust & Investment Company | 5.58% |
| American Century Companies Inc | 3.16% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 1.94% |
| Lone Peak Global Investors, LLC | 1.65% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.82% |
| Dimensional Fund Advisors | 6.54% |
| Vanguard Group | 3.77% |
| State Street | 3.16% |
| Geode Capital | 2.51% |
| Northern Trust | 1.62% |
Source: Nexqual, October 23, 2026 at 10:34 UTC.
Legal & Regulatory Risks from Community Trust Bancorp, Inc.'s Latest 10-K (filed 2026-02-27)
- Claims and litigation may arise pertaining to fiduciary responsibility.
Source: SEC EDGAR 10-K, Item 1A, official filing.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 10:34 UTC. This page is informational and not investment advice.
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