Community Trust Bancorp, Inc. (Kentucky)

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US2041491083
USD
57.16
1.33 (2.38%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

47.67 k

Shareholding (Mar 2025)

FII

4.54%

Held by 70 FIIs

DII

67.88%

Held by 30 DIIs

Promoter

0.00%

How big is Community Trust Bancorp, Inc. (Kentucky)?

22-Jun-2025

As of Jun 18, Community Trust Bancorp, Inc. (Kentucky) has a market capitalization of 901.74 million and total assets of 6,217.99 million. The company reported shareholder's funds of 757.58 million and a net profit of 86.10 million as of Dec 24.

As of Jun 18, Community Trust Bancorp, Inc. (Kentucky) has a market capitalization of 901.74 million, classified as a Micro Cap.<BR><BR>As of Jun 24, the company reported a sum of interest earned for the latest four quarters amounting to 320.49 million and a net profit of 86.10 million.<BR><BR>As of Dec 24, the shareholder's funds were reported at 757.58 million, and total assets stood at 6,217.99 million.

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What does Community Trust Bancorp, Inc. (Kentucky) do?

22-Jun-2025

Community Trust Bancorp, Inc. is a micro-cap bank holding company based in Kentucky, with recent net sales of $82 million and a net profit of $22 million. Key metrics include a P/E ratio of 11.00, a dividend yield of 3.75%, and a market cap of $901.74 million.

Overview:<BR>Community Trust Bancorp, Inc. is a bank holding company operating in the Regional Banks industry, with a market cap in the micro-cap bracket.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 82 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 22 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 901.74 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Dividend Yield: 3.75% <BR>Debt Equity: 0.00 <BR>Return on Equity: 10.98% <BR>Price to Book: 1.15<BR><BR>Contact Details:<BR>Address: 346 N Mayo Trl, PO Box 2947 PIKEVILLE KY : 41502-2947 <BR>Tel: ['1 606 4334643', '1 606 437-3294'] <BR>Website: http://investors.ctbi.com/

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Should I buy, sell or hold Community Trust Bancorp, Inc. (Kentucky)?

22-Jun-2025

Who are in the management team of Community Trust Bancorp, Inc. (Kentucky)?

22-Jun-2025

As of March 2022, the management team of Community Trust Bancorp, Inc. includes Ms. Jean Hale (Chairman, President, CEO), Mr. M. Lynn Parrish (Lead Independent Director), and several Independent Directors: Mr. Nicholas Carter, Mr. Franklin Farris, and Mr. James McGhee, along with Director Mr. Charles Baird. They oversee the company's strategic direction and operations.

As of March 2022, the management team of Community Trust Bancorp, Inc. (Kentucky) includes:<BR><BR>- Ms. Jean Hale, who serves as the Chairman of the Board, President, and Chief Executive Officer.<BR>- Mr. M. Lynn Parrish, who is the Lead Independent Director.<BR>- Mr. Charles Baird, who is a Director.<BR>- Mr. Nicholas Carter, who is an Independent Director.<BR>- Mr. Franklin Farris, who is also an Independent Director.<BR>- Mr. James McGhee, who serves as an Independent Director.<BR><BR>This team is responsible for guiding the company's strategic direction and operations.

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Is Community Trust Bancorp, Inc. (Kentucky) overvalued or undervalued?

20-Sep-2025

As of June 30, 2025, Community Trust Bancorp, Inc. is considered very attractive due to its undervalued P/E ratio of 11 compared to industry peers, a PEG ratio of 1.00 indicating fair pricing relative to growth, and an EV to EBITDA ratio of 8.09, despite a 1-year return of 15.42% that lags behind the S&P 500's 17.14%.

As of 30 June 2025, the valuation grade for Community Trust Bancorp, Inc. has moved from attractive to very attractive, indicating a strong positive shift in its valuation outlook. The company appears to be undervalued, especially when considering its P/E ratio of 11, which is significantly lower than the industry average, and a PEG ratio of 1.00, suggesting that the stock is fairly priced relative to its growth. Additionally, the EV to EBITDA ratio stands at 8.09, reinforcing the notion of undervaluation compared to peers.<BR><BR>In the peer comparison, Community Trust Bancorp, Inc. has a P/E ratio of 11, while Banc of California, Inc. is at 18.08, and Republic Bancorp, Inc. is at 10.77, highlighting that Community Trust is priced more attractively. Furthermore, the company's recent stock performance shows a 1-year return of 15.42%, which, while positive, lags behind the S&P 500's 17.14% return, suggesting room for improvement in market perception. Overall, the combination of favorable valuation ratios and peer comparisons supports the conclusion that Community Trust Bancorp, Inc. is undervalued.

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Is Community Trust Bancorp, Inc. (Kentucky) technically bullish or bearish?

14-Oct-2025

As of October 10, 2025, Community Trust Bancorp, Inc. shows a neutral technical stance with mixed signals, indicating a cautious approach due to mildly bearish trends in MACD, KST, and OBV, alongside underperformance compared to the S&P 500.

As of 10 October 2025, the technical trend for Community Trust Bancorp, Inc. has changed from mildly bullish to sideways. The current technical stance is neutral, with mixed signals across various indicators. The MACD is mildly bearish on both weekly and monthly time frames, while the Bollinger Bands show a bearish weekly signal but a mildly bullish monthly signal. Moving averages indicate a mildly bullish stance on the daily chart. The KST and OBV are both mildly bearish on weekly and monthly time frames, and Dow Theory reflects a mildly bearish weekly view but a mildly bullish monthly perspective.<BR><BR>In terms of performance, the stock has underperformed compared to the S&P 500 over the past month and year, with returns of -4.50% and 9.22% respectively, compared to the S&P 500's 0.31% and 13.36%. Overall, the mixed indicators suggest a cautious approach.

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iScoreScore
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Strong Sell
Sell
Hold
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Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 7.27%

 
2

The Bank has a high Capital Adequacy Ratio of 17.70% signifying high buffers against its risk based assets

 
3

The company has declared Positive results for the last 3 consecutive quarters

4

With ROA of 0.88%, it has a very attractive valuation with a 1.20 Price to Book Value

5

High Institutional Holdings at 66.47%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 1,052 Million (Small Cap)

stock-summary
P/E

11.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.22%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

11.34%

stock-summary
Price to Book

1.30

Revenue and Profits:
Net Sales:
86 Million
(Quarterly Results - Jun 2025)
Net Profit:
25 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-1.82%
0%
-1.82%
6 Months
11.1%
0%
11.1%
1 Year
-2.14%
0%
-2.14%
2 Years
38.2%
0%
38.2%
3 Years
19.33%
0%
19.33%
4 Years
34.46%
0%
34.46%
5 Years
63.55%
0%
63.55%

Community Trust Bancorp, Inc. (Kentucky) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
12.55%
EBIT Growth (5y)
10.58%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.38%
Pledged Shares
0
Institutional Holding
66.47%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.20
EV to EBIT
8.50
EV to EBITDA
8.09
EV to Capital Employed
1.21
EV to Sales
2.81
PEG Ratio
1.00
Dividend Yield
3.58%
ROCE (Latest)
14.22%
ROE (Latest)
10.98%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 51 Schemes (27.36%)

Foreign Institutions

Held by 70 Foreign Institutions (4.54%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Community Trust Bancorp, Inc. (Kentucky) stock-summary
stock-summary
Community Trust Bancorp, Inc. (Kentucky)
Regional Banks
Community Trust Bancorp, Inc. is a bank holding company. The Company holds interests in a commercial bank, Community Trust Bank, Inc. (the Bank), and a trust company, Community Trust and Investment Company. Through its subsidiaries, the Company engages in a range of commercial and personal banking, and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes, and providing funds transfer services. Its loan portfolio includes commercial loans, such as construction loans, loans secured by real estate, equipment lease financing and commercial other loans; residential loans, such as real estate construction loans, real estate mortgages and home equity loans, and consumer loans, such as consumer direct loans and consumer indirect loans.
Company Coordinates stock-summary
Company Details
346 N Mayo Trl, PO Box 2947 PIKEVILLE KY : 41502-2947
stock-summary
Tel: 1 606 43346431 606 437-3294
stock-summary
Registrar Details