# Community Trust Bancorp, Inc. (CTBI)

> Source: Nexqual · https://nexqual.com/CTBI · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Community Trust Bancorp, Inc. (CTBI), nexqual.com/CTBI" · informational, not investment advice.

**Price:** USD 71.09 (+4.04% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 68.33 · day 68.3–71.53 · 52w 50.25–79.92 · market cap $1.29B · NMS

## Key facts
- 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)
| 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)
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)
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
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)
|  | 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) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · 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 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/CTBI · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.62 | $1.61 | +0.4% | $79.6M | 3 |
| Next quarter (ends 2027-03-31) | $1.57 | $1.55 | +1.5% | $78.7M | 3 |
| Current fiscal year (ends 2026-12-31) | $6.16 | $6.39 | -3.5% | $311.4M | 3 |
| Next fiscal year (ends 2027-12-31) | $6.48 | $6.47 | +0.2% | $326.0M | 3 |

## Options: expected move (Cboe, 15-min delayed)

Expected move by 2027-03-19 (includes earnings 2027-01-20): ±13.3%; earnings reaction alone ±2.2%; last 8 reports averaged ±4.4%.

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-11-20 | 28 | 32.4% | ±7.3% |
| 2026-12-18 | 56 | 25.8% | ±8.4% |
| 2027-03-19 | 147 | 26.1% | ±13.3% |
| 2027-06-17 | 237 | 25.9% | ±16.5% |