Stock CTBI COMMUNITY TRUST BANCORP, INC.
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Financials Community Trust Bancorp, Inc.

Equities

CTBI

US2041491083

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
42.64 USD -0.30% Intraday chart for Community Trust Bancorp, Inc. +1.96% -2.78%
Apr. 24 Community Trust Bancorp, Inc. Declares Its Cash Dividend, Payable July 1, 2024 CI
Apr. 17 Earnings Flash (CTBI) COMMUNITY TRUST BANCORP Reports Q1 EPS $1.04 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 829.3 659.9 778.1 823 789.5 768.3 -
Enterprise Value (EV) 1 829.3 659.9 778.1 823 789.5 768.3 768.3
P/E ratio 12.8 x 11.1 x 8.83 x 10 x 10.1 x 10.1 x 9.84 x
Yield 3.17% 4.13% 3.6% 3.66% 4.1% 4.35% 4.39%
Capitalization / Revenue 4.25 x 3.21 x 3.48 x 3.61 x 3.4 x 3.24 x 3.16 x
EV / Revenue 4.25 x 3.21 x 3.48 x 3.61 x 3.4 x 3.24 x 3.16 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.35 x 1.01 x 1.11 x 1.31 x 1.12 x 1.04 x 0.98 x
Nbr of stocks (in thousands) 17,781 17,810 17,843 17,918 18,000 18,019 -
Reference price 2 46.64 37.05 43.61 45.93 43.86 42.64 42.64
Announcement Date 1/22/20 1/20/21 1/19/22 1/18/23 1/17/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 195.1 205.6 223.5 228 232 237.3 243.4
EBITDA - - - - - - -
EBIT 1 75.85 86.31 104.3 106.9 106.6 107 109.8
Operating Margin 38.88% 41.99% 46.64% 46.89% 45.94% 45.08% 45.13%
Earnings before Tax (EBT) 1 71.99 70.26 110.6 101 98.57 97.01 100.1
Net income 1 64.54 59.5 87.94 81.81 78 75.52 77.67
Net margin 33.09% 28.95% 39.34% 35.89% 33.63% 31.83% 31.91%
EPS 2 3.640 3.350 4.940 4.580 4.360 4.203 4.333
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.480 1.530 1.570 1.680 1.800 1.853 1.870
Announcement Date 1/22/20 1/20/21 1/19/22 1/18/23 1/17/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 56.63 55.79 55 55.29 58.46 58.76 57.6 57.84 58.93 57 59.02 58.49 59.75 59.69 58.97
EBITDA - - - - - - - - - - - - - - -
EBIT 1 26.3 24.64 25.64 25.93 26.98 28.5 25.71 26.81 28.09 25.37 26.8 26.33 27.59 26.82 25.3
Operating Margin 46.44% 44.17% 46.62% 46.9% 46.16% 48.51% 44.63% 46.36% 47.66% 44.51% 45.41% 45.02% 46.18% 44.93% 42.91%
Earnings before Tax (EBT) 1 26.24 24.11 24.76 25.24 24.33 26.72 24.59 24.8 25.92 23.26 23.85 23.76 24.88 24.39 23.39
Net income 1 21.14 19.25 19.73 20.27 19.37 22.44 19.31 19.4 20.63 18.66 18.68 18.55 19.16 19.05 18.19
Net margin 37.33% 34.5% 35.87% 36.66% 33.14% 38.19% 33.53% 33.55% 35% 32.74% 31.65% 31.72% 32.07% 31.91% 30.85%
EPS 2 1.190 1.080 1.110 1.140 1.080 1.260 1.080 1.080 1.150 1.040 1.040 1.037 1.073 1.053 1.023
Dividend per Share 2 0.4000 0.4000 0.4000 0.4000 0.4400 0.4400 0.4400 0.4400 0.4600 0.4600 0.4600 0.4600 0.4667 0.4667 0.4650
Announcement Date 10/20/21 1/19/22 4/20/22 7/20/22 10/19/22 1/18/23 4/19/23 7/19/23 10/18/23 1/17/24 4/17/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.8% 9.36% 12.9% 12.7% 11.8% 10.4% 10.3%
ROA (Net income/ Total Assets) 1.49% 1.23% 1.63% 1.5% 1.4% 1.28% 1.27%
Assets 1 4,332 4,838 5,395 5,454 5,572 5,900 6,100
Book Value Per Share 2 34.60 36.80 39.10 35.10 39.00 41.00 43.40
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/20/21 1/19/22 1/18/23 1/17/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Community Trust Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
42.64 USD
Average target price
48 USD
Spread / Average Target
+12.57%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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