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

Banc of California, Inc.

Dime Community Bancshares, Inc.

German American Bancorp, Inc.

ConnectOne Bancorp, Inc.

Tompkins Financial Corp.

Community Trust Bancorp, Inc. (Kentucky)

First Mid Bancshares, Inc.

Bank First Corp.

Republic Bancorp, Inc. (Kentucky)

Lakeland Bancorp, Inc.

Eagle Bancorp, Inc. (Maryland)

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

High Profitability with a Net Interest Margin of 7.35%

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 Dec 25

The company has declared positive results for the last 3 consecutive quarters
GROSS NPA (%)(Q) Lowest at 0.39%
NII(Q) Highest at USD 58.12 MM
ROCE(HY) Highest at 1.52%

With ROA of 1.11%, it has a attractive valuation with a 1.15 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 14.65%, its profits have risen by 18.1% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 66.87%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.61% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Community Trust Bancorp, Inc. (Kentucky)

13.72%

1.67

27.18%

S&P 500

17.78%

0.90

19.38%

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)

9.87%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

36.83%

Pledged Shares

Institutional Holding

66.87%

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

1.15

EV to EBIT

10.49

EV to EBITDA

10.13

EV to Capital Employed

1.12

EV to Sales

3.63

PEG Ratio

0.57

Dividend Yield

3.64%

ROCE (Latest)

10.64%

ROE (Latest)

11.22%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

No Trend

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

20What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 58.12 MM

ROCE(HY)

Highest at 1.52%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 89.53 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 90.83%

OPERATING PROFIT(Q)

Highest at USD 35.17 MM

OPERATING PROFIT MARGIN(Q)

Highest at 39.28 %

PRE-TAX PROFIT(Q)

Highest at USD 35.36 MM

NET PROFIT(Q)

Highest at USD 27.28 MM

EPS(Q)

Highest at USD 1.51

-2What is not working for the Company

ROCE(HY)

Lowest at 1.52%

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

Non Performing Loans (%)

Lowest at 0.39% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 58.12 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 89.53 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

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)

Operating Profit

Highest at USD 35.17 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 39.28 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 35.36 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 27.28 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.51

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 90.83%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)