Community Trust Bancorp, Inc. (Kentucky) (CTBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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First Mid Bancshares, Inc.

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Community Trust Bancorp, Inc. (Kentucky)

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Lakeland Bancorp, Inc.

Eagle Bancorp, Inc. (Maryland)

Why is Community Trust Bancorp, Inc. (Kentucky) ?

High Profitability with a Net Interest Margin of 7.33%

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

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

The company has declared positive results for the last 8 consecutive quarters
NII(Q) Highest at USD 60.89 MM
ROCE(HY) Highest at 1.61%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.82%, it has a attractive valuation with a 1.27 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 40.05%, its profits have risen by 18.4% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 69.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 40.05% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Community Trust Bancorp, Inc. (Kentucky) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Community Trust Bancorp, Inc. (Kentucky) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Community Trust Bancorp, Inc. (Kentucky)

40.05%

3.35

26.87%

S&P 500

16.26%

1.25

12.97%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.40%

EBIT Growth (5y)

9.75%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

36.80%

Pledged Shares

Institutional Holding

69.44%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.27

EV to EBIT

8.93

EV to EBITDA

8.57

EV to Capital Employed

1.27

EV to Sales

3.15

PEG Ratio

0.61

Dividend Yield

3.41%

ROCE (Latest)

14.22%

ROE (Latest)

11.45%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

NII(Q)

Highest at USD 60.89 MM

ROCE(HY)

Highest at 1.61%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CASH AND EQV(HY)

Highest at USD 155.39 MM

NET SALES(Q)

Highest at USD 91.24 MM

OPERATING PROFIT(Q)

Highest at USD 37.42 MM

OPERATING PROFIT MARGIN(Q)

Highest at 41.02 %

PRE-TAX PROFIT(Q)

Highest at USD 38.35 MM

NET PROFIT(Q)

Highest at USD 29.62 MM

EPS(Q)

Highest at USD 1.64

-5What is not working for the Company

ROCE(HY)

Lowest at 1.61%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 32.38%

Here's what is working for Community Trust Bancorp, Inc. (Kentucky)

NII

Highest at USD 60.89 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

Highest at USD 91.24 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 37.42 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 41.02 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 38.35 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 29.62 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.64

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 155.39 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Community Trust Bancorp, Inc. (Kentucky)

Non Performing Loans (%)

Highest at 0.58%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 32.38%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)