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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Banc of California, Inc.

German American Bancorp, Inc.

Tompkins Financial Corp.

Community Trust Bancorp, Inc. (Kentucky)

Bank First Corp.

ConnectOne Bancorp, Inc.

Dime Community Bancshares, Inc.

Republic Bancorp, Inc. (Kentucky)

First Mid Bancshares, Inc.

Lakeland Bancorp, Inc.

Eagle Bancorp, Inc. (Maryland)

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

High Profitability with a Net Interest Margin of 7.27%

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

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

NII(Q) Highest at USD 54.04 MM
OPERATING CASH FLOW(Y) Highest at USD 111.6 MM
ROCE(HY) Highest at 1.5%

With ROA of 0.88%, it has a very attractive valuation with a 1.20 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 -6.58%, its profits have risen by 11.3% ; the PEG ratio of the company is 1

High Institutional Holdings at 66.47%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.72% 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)

-2.14%

1.43

25.51%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.55%

EBIT Growth (5y)

10.58%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.38%

Pledged Shares

Institutional Holding

66.47%

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

1.20

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

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

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

19What is working for the Company

NII(Q)

Highest at USD 54.04 MM

OPERATING CASH FLOW(Y)

Highest at USD 111.6 MM

ROCE(HY)

Highest at 1.5%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 85.57 MM

CASH AND EQV(HY)

Highest at USD 145.09 MM

OPERATING PROFIT(Q)

Highest at USD 32.3 MM

OPERATING PROFIT MARGIN(Q)

Highest at 37.75 %

PRE-TAX PROFIT(Q)

Highest at USD 32.45 MM

NET PROFIT(Q)

Highest at USD 24.9 MM

EPS(Q)

Highest at USD 1.38

-2What is not working for the Company

ROCE(HY)

Lowest at 1.5%

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

NII

Highest at USD 54.04 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 85.57 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 Cash Flow

Highest at USD 111.6 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 32.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 37.75 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 32.45 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 24.9 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.38

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 145.09 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at USD 1.42 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)