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COMMUNITY TRUST BANCORP INC /KY/ (CTBI) Stock Forecast 2025 - AI Price Prediction & Analysis

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) AI Stock Price Forecast & Investment Analysis

COMMUNITY TRUST BANCORP INC /KY/ Stock Price Chart and Technical Analysis

Loading COMMUNITY TRUST BANCORP INC /KY/ interactive price chart and technical analysis...

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

COMMUNITY TRUST BANCORP INC /KY/ (Stock Symbol: CTBI) is a leading company in the Finance sector , specifically operating within the State Commercial Banks industry. The organization employs approximately 467 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $253 million generating a 37.7% net profit margin .

Market Capitalization: $1054 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 12.8% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for COMMUNITY TRUST BANCORP INC /KY/ stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

COMMUNITY TRUST BANCORP INC /KY/ strategically competes in the highly dynamic State Commercial Banks marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $108 million annually , complemented by impressive -25.3% year-over-year cash flow growth.

COMMUNITY TRUST BANCORP INC /KY/ (CTBI) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for COMMUNITY TRUST BANCORP INC /KY/ stock analysis.

Loading COMMUNITY TRUST BANCORP INC /KY/ comprehensive fundamental analysis and insider trading data...

Deep dive into COMMUNITY TRUST BANCORP INC /KY/'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if COMMUNITY TRUST BANCORP INC /KY/ stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For COMMUNITY TRUST BANCORP INC /KY/: With a P/E ratio of 11.52, the market sees the stock as potentially undervalued.

P/E Ratio 11.52x
P/B Ratio 1.31x
Market Cap $1054M
Dividend Yield 3.23%
EPS $5.08
Book Value/Share $44.58
Revenue/Share $14.02
FCF/Share $3.49
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently COMMUNITY TRUST BANCORP INC /KY/ converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For COMMUNITY TRUST BANCORP INC /KY/: An ROE of 12.8% shows good shareholder value creation.

ROE 12.8%
ROA 1.6%
Net Margin 37.7%
EBT Margin 47.3%
Tax Rate 20.3%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess COMMUNITY TRUST BANCORP INC /KY/'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For COMMUNITY TRUST BANCORP INC /KY/:

D/E Ratio 0.11x
Financial Leverage 8.33x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal COMMUNITY TRUST BANCORP INC /KY/'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For COMMUNITY TRUST BANCORP INC /KY/: Free cash flow of $108M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $111M
Free Cash Flow $108M
Capital Spending $-3M
OCF Growth YoY -25.3%
FCF Growth YoY -24.7%
FCF/Sales 48.6%
CapEx/Sales 1.4%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively COMMUNITY TRUST BANCORP INC /KY/ uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For COMMUNITY TRUST BANCORP INC /KY/: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x
Fixed Assets Turnover 4.2x
Understanding Financial Statement Data

What these metrics mean: Key figures from COMMUNITY TRUST BANCORP INC /KY/'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For COMMUNITY TRUST BANCORP INC /KY/: With annual revenue of $253M, COMMUNITY TRUST BANCORP INC /KY/ demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $253M
SG&A Expense $39M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $31M
Total Liabilities $88M
Short-term Debt $0M
Accounts Receivable $0M
Dividend & Shareholder Information
Dividends Per Share $1.88
Payout Ratio 0.4%
Shares Outstanding 18M
Growth Metrics (YoY)
EPS Growth 8.0%

Latest COMMUNITY TRUST BANCORP INC /KY/ Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting COMMUNITY TRUST BANCORP INC /KY/ (CTBI) stock price and investment outlook.

, source: Business Wire

PIKEVILLE, Ky.--(BUSINESS WIRE)--On April 22, 2025, the Board of Directors of Community Trust Bancorp, Inc., (NASDAQ-CTBI) declared its quarterly cash dividend of $0.47 per share, which will be ...

, source: The Register Citizen

PIKEVILLE, Ky. (AP) — PIKEVILLE, Ky. (AP) — Community Trust Bancorp Inc. (CTBI) on Wednesday reported net income of $24.9 million in its second quarter.

, source: American Banker

Net interest income increased 3.3% year over year, to $34.2 million, as loans outstanding grew by 2.5%, to $2.6 billion. Community Trust s net interest margin increased by 11 basis points to 4.07%.

, source: American Banker

Community Trust Bancorp (CTBI) in Pikeville, Ky., posted lower profit in the fourth quarter as sanctions tied to a Federal Reserve Board investigation took a bite out of earnings. The $3.6 billion ...

, source: CNN

Community Trust Bancorp, Inc. is a bank holding company, which engages in the provision of community banking services through its subsidiary Community Trust Bank, Inc. It offers commercial ...

COMMUNITY TRUST BANCORP INC /KY/ Competitors & Peer Analysis - Finance Sector

Comparative analysis of COMMUNITY TRUST BANCORP INC /KY/ against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ABCB Unlock Forecast $4951M 12.7x 1.3x
ACNB Unlock Forecast $488M 19.4x 1.2x
ALLY Unlock Forecast $12250M 15.3x 0.9x
AMAL Unlock Forecast $1010M 10.8x 1.3x
ASB Unlock Forecast $4389M 31.5x 0.9x
ASBA Unlock Forecast $4138M 29.7x 0.9x
ASB-PE Unlock Forecast $3663M 26.3x 0.8x
ASB-PF Unlock Forecast $3468M 24.9x 0.7x
AUB Unlock Forecast $4947M 24.3x 1.0x
AUBN Unlock Forecast $77M 12.6x 1.1x
AUB-PA Unlock Forecast $3486M 17.1x 0.7x
BAFN Unlock Forecast $34M 3.7x 0.3x
BANR Unlock Forecast $2334M 12.8x 1.3x
BCML Unlock Forecast $336M 13.9x 1.0x
BFST Unlock Forecast $753M 9.8x 0.9x
BHB Unlock Forecast $493M 12.5x 1.1x
BK Unlock Forecast $75641M 15.2x 1.7x
BK-PK Unlock Forecast $19006M 3.8x 0.4x
BKSC Unlock Forecast $88M 13.4x 2.1x
BMRC Unlock Forecast $389M 56.3x 0.9x
BMTX Unlock Forecast $58M -4.5x 2.7x
BOH Unlock Forecast $2696M 15.8x 1.6x
BOH-PA Unlock Forecast $688M 4.0x 0.4x
BOH-PB Unlock Forecast $1064M 6.2x 0.6x
BOTJ Unlock Forecast $70M 9.9x 1.0x
BPOP Unlock Forecast $8439M 11.7x 1.4x
BPOPM Unlock Forecast $1717M 2.4x 0.3x
BPOPO Unlock Forecast $1700M 2.4x 0.3x
BPRN Unlock Forecast $237M 34.7x 0.9x
BRBS Unlock Forecast $358M -1.3x 1.0x
BSRR Unlock Forecast $426M 10.5x 1.2x
BSVN Unlock Forecast $473M 10.7x 2.0x
BUSE Unlock Forecast $2194M 13.3x 1.0x
BWB Unlock Forecast $462M 12.2x 1.0x
BWBBP Unlock Forecast $553M 14.6x 1.2x
BWFG Unlock Forecast $328M 15.7x 1.2x
BY Unlock Forecast $1327M 11.2x 1.1x
CATY Unlock Forecast $3496M 11.9x 1.2x
CBAN Unlock Forecast $300M 10.8x 1.0x
CBFV Unlock Forecast $177M 15.3x 1.2x
CBSH Unlock Forecast $7838M 16.1x 3.2x
CCB Unlock Forecast $1725M 36.3x 3.7x
CCBG Unlock Forecast $733M 12.6x 1.4x
CCFN Unlock Forecast $177M 8.7x 1.0x
CCNE Unlock Forecast $551M 10.1x 0.9x
CCNEP Unlock Forecast $517M 9.5x 0.8x
CFB Unlock Forecast $0M 12.2x 0.0x
CFFI Unlock Forecast $232M 9.5x 1.0x
CFG Unlock Forecast $22270M 14.0x 0.9x
CFG-PE Unlock Forecast $8897M 5.6x 0.4x
CFG-PH Unlock Forecast $11788M 7.4x 0.5x
CHMG Unlock Forecast $255M 22.8x 1.1x
CIVB Unlock Forecast $0M 10.8x 0.0x
CNOB Unlock Forecast $1281M 34.2x 0.9x
CNOBP Unlock Forecast $1186M 31.6x 0.8x
COFS Unlock Forecast $464M 32.8x 1.1x
COLB Unlock Forecast $5655M 10.7x 1.1x
COSO Unlock Forecast $237M x 1.1x
CPF Unlock Forecast $834M 13.7x 1.5x
CSBB Unlock Forecast $119M 9.3x 1.0x
CTBI Unlock Forecast $1054M 11.5x 1.3x
CUBB Unlock Forecast $692M 4.7x 0.4x
CUBI Unlock Forecast $2248M 15.2x 1.2x
CUBI-PF Unlock Forecast $839M 5.7x 0.5x
CVBF Unlock Forecast $2780M 13.6x 1.2x
CWBC Unlock Forecast $409M 15.5x 1.1x
CZFS Unlock Forecast $291M 9.2x 0.9x
CZNC Unlock Forecast $314M 11.6x 1.1x
EBMT Unlock Forecast $137M 10.9x 0.8x
EBTC Unlock Forecast $496M 14.6x 1.3x
EFSC Unlock Forecast $2257M 11.2x 1.2x
EFSCP Unlock Forecast $775M 3.9x 0.4x
EFSI Unlock Forecast $194M 24.6x 1.1x
EGBN Unlock Forecast $581M -22.5x 0.5x
EMYB Unlock Forecast $130M 11.1x 1.1x
EQBK Unlock Forecast $729M 10.9x 1.2x
EWBC Unlock Forecast $14518M 12.2x 1.8x
FBIZ Unlock Forecast $429M 9.0x 1.3x
FBK Unlock Forecast $2465M 27.3x 1.5x
FBNC Unlock Forecast $2253M 23.2x 1.5x
FBP Unlock Forecast $3605M 11.8x 2.0x
FCBC Unlock Forecast $706M 14.1x 1.4x
FCCO Unlock Forecast $209M 12.1x 1.3x
FCNCA Unlock Forecast $26388M 11.0x 1.2x
FCNCB Unlock Forecast $22762M 9.5x 1.0x
FCNCO Unlock Forecast $317M 0.1x 0.0x
FCNCP Unlock Forecast $302M 0.1x 0.0x
FFIC Unlock Forecast $453M 19.5x 0.6x
FFIN Unlock Forecast $5284M 21.5x 3.0x
FFNW Unlock Forecast $208M 81.8x 1.3x
FFWM Unlock Forecast $479M -23.9x 0.5x
FHB Unlock Forecast $3202M 13.0x 1.2x
FIBK Unlock Forecast $3338M 14.5x 1.0x
FINW Unlock Forecast $260M 19.2x 1.4x
FITB Unlock Forecast $29944M 12.8x 1.4x
FITBI Unlock Forecast $17362M 7.4x 0.8x
FITBO Unlock Forecast $14054M 6.0x 0.7x
FITBP Unlock Forecast $16592M 7.1x 0.8x
FKYS Unlock Forecast $107M 13.8x 1.0x
FMBH Unlock Forecast $963M 11.4x 1.1x
FMBM Unlock Forecast $85M 10.0x 0.9x
FMNB Unlock Forecast $558M 11.1x 1.3x
FRAF Unlock Forecast $198M 13.6x 1.3x
FRST Unlock Forecast $294M -22.0x 0.8x
FSBC Unlock Forecast $697M 13.4x 1.7x
FUSB Unlock Forecast $76M 9.8x 0.7x
FVCB Unlock Forecast $227M 12.0x 0.9x
FXNC Unlock Forecast $212M 26.7x 1.2x
GABC Unlock Forecast $1567M 18.2x 1.5x
GBCI Unlock Forecast $5702M 25.9x 1.6x
GBFH Unlock Forecast $581M x 3.8x
GLBZ Unlock Forecast $16M 28.2x 0.8x
GNRV Unlock Forecast $7M x 0.7x
GSBC Unlock Forecast $724M 10.6x 1.2x
HBIA Unlock Forecast $727M 12.9x 1.4x
HBNC Unlock Forecast $689M 13.3x 0.9x
HBT Unlock Forecast $841M 11.0x 1.5x
HMST Unlock Forecast $270M -13.1x 0.7x
HNVR Unlock Forecast $162M 14.2x 0.8x
HOMB Unlock Forecast $5893M 15.8x 1.4x
HONE Unlock Forecast $543M 20.6x 0.9x
HTBK Unlock Forecast $622M 15.9x 0.9x
HTH Unlock Forecast $2270M 15.8x 1.0x
HTLF Unlock Forecast $0M 33.6x 0.0x
HTLFP Unlock Forecast $0M 12.6x 0.0x
HWC Unlock Forecast $5403M 13.1x 1.2x
HWCPZ Unlock Forecast $2096M 5.5x 0.5x
IBCP Unlock Forecast $1375M 21.2x 2.9x
IBOC Unlock Forecast $4500M 10.9x 1.5x
IBTX Unlock Forecast $2514M -8.0x 1.3x
INBK Unlock Forecast $222M 14.4x 0.6x
INBKZ Unlock Forecast $217M 14.1x 0.6x
INDB Unlock Forecast $3033M 16.1x 1.0x
ISBA Unlock Forecast $241M 14.8x 1.1x
ISTR Unlock Forecast $233M 10.5x 0.9x
JMSB Unlock Forecast $289M 15.3x 1.1x
LKFN Unlock Forecast $1742M 18.4x 2.5x
LNKB Unlock Forecast $274M 71.1x 1.0x
LOB Unlock Forecast $1754M 31.3x 1.7x
MBCN Unlock Forecast $270M 14.9x 1.3x
MBIN Unlock Forecast $1529M 6.0x 0.7x
MBINL Unlock Forecast $1034M 4.1x 0.5x
MBINM Unlock Forecast $1161M 4.6x 0.5x
MBINN Unlock Forecast $922M 3.6x 0.4x
MBINO Unlock Forecast $1144M 4.0x 0.6x
MBWM Unlock Forecast $800M 9.8x 1.3x
MCB Unlock Forecast $844M 12.3x 1.2x
MCBS Unlock Forecast $773M 11.7x 1.8x
MNSB Unlock Forecast $176M 11.1x 0.8x
MNSBP Unlock Forecast $191M 13.3x 0.9x
MOFG Unlock Forecast $625M -84.8x 1.1x
MPB Unlock Forecast $685M 15.6x 0.9x
MSBI Unlock Forecast $401M 7.5x 0.5x
MSBIP Unlock Forecast $519M 9.8x 0.6x
MTB Unlock Forecast $32159M 11.9x 1.1x
MTB-PH Unlock Forecast $4095M 1.5x 0.1x
MTB-PJ Unlock Forecast $4425M 1.6x 0.2x
MVBF Unlock Forecast $316M 18.5x 1.0x
MYFW Unlock Forecast $225M 19.5x 0.9x
NPB Unlock Forecast $590M x 1.0x
NTRS Unlock Forecast $25435M 14.7x 2.0x
NTRSO Unlock Forecast $4004M 2.3x 0.3x
NWFL Unlock Forecast $236M 74.5x 1.1x
NWPP Unlock Forecast $74M 8.1x 1.0x
OBK Unlock Forecast $1214M 17.4x 1.0x
OBT Unlock Forecast $349M 11.8x 1.4x
OFG Unlock Forecast $2020M 10.4x 1.5x
OPBK Unlock Forecast $213M 9.5x 1.0x
ORRF Unlock Forecast $680M 15.7x 1.2x
OSBC Unlock Forecast $836M 10.0x 1.2x
OVBC Unlock Forecast $0M 7.7x 0.0x
OVLY Unlock Forecast $239M 9.9x 1.3x
PB Unlock Forecast $6583M 12.6x 0.9x
PBHC Unlock Forecast $84M 12.4x 0.7x
PCB Unlock Forecast $322M 10.2x 0.9x
PEBK Unlock Forecast $174M 10.2x 1.2x
PEBO Unlock Forecast $1092M 10.5x 1.0x
PFBX Unlock Forecast $92M 4.7x 1.0x
PFC Unlock Forecast $1038M 13.2x 1.0x
PKBK Unlock Forecast $267M 8.6x 0.9x
PMHG Unlock Forecast $165M 20.3x 1.9x
PPBI Unlock Forecast $2358M 17.1x 0.8x
PWOD Unlock Forecast $244M 14.7x 1.5x
QCRH Unlock Forecast $1343M 11.9x 1.3x
QNBC Unlock Forecast $130M 10.1x 1.2x
RBB Unlock Forecast $364M 15.8x 0.7x
RBCAA Unlock Forecast $1510M 12.1x 1.4x
RMBI Unlock Forecast $152M 15.9x 1.2x
RNST Unlock Forecast $3734M 23.4x 1.0x
RRBI Unlock Forecast $427M 13.0x 1.3x
RVRF Unlock Forecast $278M 7.2x 1.1x
SBCF Unlock Forecast $2671M 19.2x 1.2x
SBFG Unlock Forecast $8M 10.8x 0.1x
SBSI Unlock Forecast $949M 11.1x 1.2x
SFBS Unlock Forecast $4828M 19.3x 2.8x
SFDL Unlock Forecast $98M 8.4x 0.5x
SLBK Unlock Forecast $94M 8.6x 1.0x
SPFI Unlock Forecast $701M 12.8x 1.5x
SRCE Unlock Forecast $1650M 11.7x 1.4x
SSB Unlock Forecast $10101M 17.1x 1.2x
SSBK Unlock Forecast $361M 10.6x 1.2x
STBA Unlock Forecast $1499M 12.4x 1.1x
STT Unlock Forecast $33507M 11.8x 1.2x
STT-PG Unlock Forecast $6695M 2.4x 0.2x
SYBT Unlock Forecast $2397M 18.7x 2.4x
TCBI Unlock Forecast $4060M 30.3x 1.2x
TCBIO Unlock Forecast $953M 7.1x 0.3x
TCBK Unlock Forecast $1478M 13.2x 1.2x
TECTP Unlock Forecast $74M 4.5x 0.7x
TFIN Unlock Forecast $1451M 106.5x 1.6x
TFINP Unlock Forecast $537M 39.5x 0.6x
THFF Unlock Forecast $664M 12.1x 1.2x
TMP Unlock Forecast $0M 47.6x 0.0x
TRST Unlock Forecast $721M 13.5x 1.0x
UBCP Unlock Forecast $82M 9.3x 1.4x
UBSI Unlock Forecast $5434M 13.8x 1.0x
UCB Unlock Forecast $3966M 14.5x 1.1x
UCB-PI Unlock Forecast $3078M 11.3x 0.9x
UNB Unlock Forecast $0M 16.5x 0.0x
UNTY Unlock Forecast $534M 10.6x 1.7x
USCB Unlock Forecast $0M -3.5x 0.0x
UVSP Unlock Forecast $922M 11.5x 1.0x
UWHR Unlock Forecast $85M 8.4x 1.6x
VBFC Unlock Forecast $120M 56.1x 1.6x
VBTX Unlock Forecast $3646M 31.5x 2.2x
WAL Unlock Forecast $9910M 11.7x 1.4x
WAL-PA Unlock Forecast $2603M 3.1x 0.4x
WASH Unlock Forecast $576M 13.8x 1.1x
WTBA Unlock Forecast $339M 11.8x 1.4x
WTFC Unlock Forecast $9077M 12.3x 1.3x
WTFCM Unlock Forecast $1807M 2.6x 0.3x
WTFCN Unlock Forecast $1801M 2.4x 0.3x
WTFCP Unlock Forecast $1814M 2.6x 0.3x

Frequently Asked Questions - COMMUNITY TRUST BANCORP INC /KY/ Stock Forecast

How accurate are COMMUNITY TRUST BANCORP INC /KY/ stock predictions?

Our AI model demonstrates 68% historical accuracy for CTBI predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence COMMUNITY TRUST BANCORP INC /KY/ stock price forecasts?

Our analysis considers COMMUNITY TRUST BANCORP INC /KY/'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is COMMUNITY TRUST BANCORP INC /KY/ a good investment in 2025?

Based on our AI analysis, COMMUNITY TRUST BANCORP INC /KY/ shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are COMMUNITY TRUST BANCORP INC /KY/ forecasts updated?

COMMUNITY TRUST BANCORP INC /KY/ stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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