CTBI

Based on Community Trust Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Community Trust Bancorp do?

Community Trust Bancorp is the holding company for Community Trust Bank, which provides commercial and personal banking services to small and mid-sized communities. It operates 79 banking locations across eastern Kentucky, southern West Virginia, and northeastern Tennessee, offering loans, deposits, trust services, and wealth management.

Does CTBI pay dividends?

Yes, Community Trust Bancorp pays a regular dividend. This is consistent with its profile as a mature regional bank that prioritizes returning capital to shareholders. Investors seeking income often consider CTBI's dividend history as part of their evaluation. Check the company's investor relations page for current dividend details.

When does CTBI report earnings?

Community Trust Bancorp reports earnings quarterly, in line with standard practice for US-listed bank holding companies. For exact reporting dates and the most recent quarterly results, refer to the investor relations section of the company's official website.

Is CTBI a good stock to buy?

UQS Score rates CTBI as Good overall. Its Quality pillar is Strong and Valuation is Attractive, which are positives. However, the Moat, Growth, and Risk pillars are all rated Weak, indicating meaningful limitations. Whether it fits your portfolio depends on your income needs, risk tolerance, and growth expectations. View the full breakdown on UQS Score.

Is CTBI overvalued?

Based on the UQS Valuation pillar, CTBI is rated Attractive, suggesting the stock is not considered overpriced relative to its fundamentals. Regional banks with modest growth profiles sometimes trade at reasonable valuations, and CTBI appears to fall into that category. Pro members can access the detailed valuation metrics behind this rating.

How does CTBI compare to its competitors?

CTBI competes with regional peers such as Peoples Bancorp (PEBO) and Tompkins Financial (TMP). All operate community banking models, but differ in geography and service mix. CTBI's Appalachian market focus and trust services distinguish it, though its Weak Moat rating suggests limited structural advantages over competitors. See side-by-side UQS pillar comparisons on the platform.

What is CTBI's market cap bracket?

Community Trust Bancorp is classified as a small-cap stock. This places it among smaller publicly traded companies, which typically carry different liquidity and volatility characteristics compared to large- or mega-cap peers. Small-cap regional banks like CTBI are often followed by a narrower analyst community.

Who founded Community Trust Bancorp?

Community Trust Bancorp was founded in 1987 and is headquartered in Pikeville, Kentucky. Detailed founding history and leadership background are publicly available through the company's official website and SEC filings.

Is CTBI a long-term quality investment?

From a long-term quality perspective, CTBI's Strong Quality pillar is a positive signal, indicating sound financial fundamentals. However, the Weak Growth and Weak Moat ratings suggest the bank may face challenges compounding value over time at an above-average rate. Long-term investors should weigh dividend income against limited growth potential. The full UQS analysis is available to Pro members.

What is the main competitive advantage of Community Trust Bancorp?

Community Trust Bancorp's primary advantage lies in its deep regional presence and long-standing customer relationships across Appalachian communities. Its trust and wealth management services add fee-based income beyond traditional lending. However, the UQS Moat pillar is rated Weak, indicating these advantages may not provide strong protection against competitive pressures over time.

Community Trust Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Community Trust Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.

Community Trust Bancorp, Inc. presents elevated risk with concerns around leverage or financial stability.

Community Trust Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Community Trust Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CTBI.

The UQS (Unified Quality Score) for Community Trust Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Community Trust Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Community Trust Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.