US · CTBI
Community Trust Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Pikeville, KY 41502
- Website
- ctbi.com
Price · as of 2025-12-31
$65.80
Market cap 1.09B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $65.86 | +0.09% |
| Intrinsic Value(DCF) | $96.48 | +46.63% |
| Graham-Dodd Method(GD) | $41.12 | -37.51% |
| Graham Formula(GF) | $90.02 | +36.81% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.41 | $31.30 | $21.91 | $12.73 | $26.68 |
| 2012 | $19.61 | $32.91 | $39.63 | $15.93 | $18.41 |
| 2013 | $23.87 | $29.96 | $37.35 | $11.93 | $18.38 |
| 2014 | $22.20 | $38.69 | $34.42 | $16.74 | $10.27 |
| 2015 | $24.11 | $33.70 | $33.65 | $18.49 | $24.20 |
| 2016 | $32.68 | $35.80 | $35.62 | $19.32 | $27.61 |
| 2017 | $34.91 | $36.89 | $38.39 | $21.44 | $37.16 |
| 2018 | $30.94 | $35.92 | $38.28 | $24.25 | $57.34 |
| 2019 | $28.77 | $26.00 | $40.06 | $27.00 | $48.41 |
| 2020 | $38.68 | $32.03 | $53.46 | $27.03 | $20.84 |
| 2021 | $35.79 | $25.31 | $76.89 | $36.75 | $56.28 |
| 2022 | $35.75 | $33.55 | $73.66 | $29.30 | $68.89 |
| 2023 | $37.86 | $35.77 | $87.36 | $30.41 | $150.59 |
| 2024 | $50.17 | $34.56 | $132.94 | $33.71 | $104.59 |
| 2025 | $61.54 | $65.86 | $180.83 | $41.12 | $90.02 |
AI valuation
Our deep-learning model estimates Community Trust Bancorp, Inc.'s (CTBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $65.86
- Current price
- $65.80
- AI upside
- +0.09%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$96.48
+46.63% upside
Graham-Dodd
$41.12
-37.51% upside
Graham Formula
$90.02
+36.81% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CTBI | Community Trust Bancorp, … | $65.80 | 1.09B | 0% | +47% | -38% | +37% | 11.31 | 1.30 | 2.71 | 8.63 | 63.60 | 1.40 | 66.71% | 31.05% | 23.96% | 12.15% | 36.84% | 1.52% | 0.46 | 1.00 | 0.91 | 0.91 | 2.49 | 1779.00% | 886.00% | 813.00% | 9.46% | 0.02 | 39.44% | 3.24% | 36.70% | 3.24% | 8.92 | 10.79 | 2.77 | 0.26 |
| BTZ | BlackRock Credit Allocati… | $10.61 | 990.17M | +238% | -63% | — | +538% | 14.38 | 0.87 | 8.86 | 15.19 | — | 0.87 | 89.51% | 92.19% | 61.60% | 5.94% | 5.83% | 3.77% | 0.51 | 3.01 | 1.59 | 7.52 | 5.65 | -5106.00% | 9590.00% | 4514.00% | 15.52% | 34.56 | 8.69% | 10.31% | 148.30% | 16.36% | 15.19 | 10.19 | 14.00 | 1.17 |
| FFC | Flaherty & Crumrine Prefe… | $16.57 | 798.31M | +64% | -60% | -54% | +22% | 11.28 | 0.94 | 8.88 | 13.29 | — | 0.94 | 92.19% | 108.07% | 78.75% | 8.45% | 7.29% | 5.28% | 0.59 | 3.69 | 5.65 | 8.79 | 5.14 | -5331.00% | 585.00% | 406.00% | 6.49% | 24.15 | 3.89% | 6.97% | 78.70% | 6.97% | 13.29 | 24.90 | 14.36 | 1.14 |
| RNP | Cohen & Steers REIT and P… | $21.71 | 1.04B | +53% | -29% | -68% | -47% | 10.49 | 0.96 | 13.89 | — | — | 0.96 | 100.00% | 83.47% | 132.37% | 9.18% | 4.01% | 6.31% | 0.45 | 2.16 | 4.70 | 9.86 | — | -1652.00% | -224.00% | -299.00% | 7.61% | 32.03 | 5.07% | 7.85% | 82.40% | 54.55% | 24.23 | 19.14 | 20.22 | 1.64 |
| WASH | Washington Trust Bancorp,… | $33.69 | 641.29M | +69% | +246,689% | +13% | +141% | 12.62 | 1.21 | 1.73 | 19.92 | — | 1.39 | 54.31% | 17.69% | 13.71% | 10.02% | 3.83% | 0.77% | 1.34 | 0.41 | 0.01 | 0.01 | 10.33 | -26626.00% | 2262.00% | -208.00% | 7.97% | 0.02 | 3.85% | 0.12% | 1.50% | 56.36% | 19.92 | 25.55 | 3.52 | -0.33 |
About Community Trust Bancorp, Inc.
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include 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; and consumer 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. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
- CEO
- Mark A. Gooch
- Employees
- 939
- Beta
- 0.58
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($96.48 ÷ $65.80) − 1 = +46.63% (DCF, example).