Stocktoria
COMMUNITY TRUST BANCORP INC /KY/ CTBI
COMMUNITY TRUST BANCORP INC /KY/ (CTBI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.74% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CTBI | COMMUNITY TRUST BANCORP INC /KY/ | 5/9 | — | 13.4 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About COMMUNITY TRUST BANCORP INC /KY/
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
FAQ
Is CTBI financially healthy?
COMMUNITY TRUST BANCORP INC /KY/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CTBI pay a dividend, and is it safe?
Yes. COMMUNITY TRUST BANCORP INC /KY/ pays a dividend yielding about 2.74% with a 36.7% payout ratio, rated “safe” for safety.
How profitable is CTBI?
In FY2025, COMMUNITY TRUST BANCORP INC /KY/ had a return on equity of 11.5%.
Is CTBI overvalued or undervalued?
COMMUNITY TRUST BANCORP INC /KY/ trades at about 14.4× trailing earnings — above its 10-year norm (10-year range 8.9×–17.1×, median 11.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CTBI?
The average Wall-Street price target for COMMUNITY TRUST BANCORP INC /KY/ is $73.67, about 5.9% below the recent price, from 3 analysts.
Is CTBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on COMMUNITY TRUST BANCORP INC /KY/: a Piotroski F-score of 5/9, a P/E of about 13.4×, a dividend yield of 2.74%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.