Community Trust Bancorp Inc. Common Stock (CTBI)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank differently than an industrial company: earnings power, return on equity, price to book, and credit risk matter more than cash flow. Community Trust Bancorp is a $1.3 billion regional bank with 970 employees, serving customers through commercial and personal banking, trust, and wealth management. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $29.6 million and diluted EPS was $1.64, up from $24.9 million and $1.38 in fiscal Q2 2025, the quarter ended 2025-06-30. For FY2025, net income was $98.1 million and EPS was $5.43, compared with $82.8 million and $4.61 in FY2024 and $78.0 million and $4.36 in FY2023. That is steady, real growth. FairStock calculates ROE of 12.72%, P/B of 1.51, P/E of 12.41, PEG of 0.65, and a 3.51% dividend yield at the 2026-10-13 close. The Lynch category is STALWART, with 10.5% annual profit growth over five years. Piotroski is 6/9. The balance sheet details I would want - CET1 capital, net interest margin, and combined ratio - are not in the data; the first two are key for a bank, while combined ratio is not a bank measure. A P/B above 1 is not a bargain-bin price, and the stock at $74.08 is near the high end of its $50.25-$79.92 range. Still, a low beta of 0.56 and consistent earnings make this a decent regional bank candidate, not a wide-moat business. I would call it reasonably priced for a stalwart.

In plain English: Community Trust Bancorp is a regional bank that takes deposits, makes loans, and offers trust and wealth services. It looks reasonably strong: earnings have grown over the past few years and the dividend is above 3%. At the recent price of $74.08, the stock looks fairly valued to modestly cheap against its profits and accounting value, though it is trading near the top of its 52-week range.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer