Community Trust Bancorp (CTBI)
Market Price (12/29/2025): $57.825 | Market Cap: $1.0 BilSector: Financials | Industry: Regional Banks
Community Trust Bancorp (CTBI)
Market Price (12/29/2025): $57.825Market Cap: $1.0 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 10.0% | Weak multi-year price returns2Y Excs Rtn is -5.1%, 3Y Excs Rtn is -36% | Key risksCTBI key risks include [1] a significant loan portfolio concentration in the economically sensitive hotel/motel sector and [2] intense competition for deposits, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -101% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% | ||
| Low stock price volatilityVol 12M is 25% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 10.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -101% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% |
| Low stock price volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -5.1%, 3Y Excs Rtn is -36% |
| Key risksCTBI key risks include [1] a significant loan portfolio concentration in the economically sensitive hotel/motel sector and [2] intense competition for deposits, Show more. |
Why The Stock Moved
Qualitative Assessment
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The stock movement of Community Trust Bancorp (CTBI) between August 31, 2025, and December 29, 2025, cannot be precisely determined or explained with specific key points as this period is in the future. However, based on recent available information up to October 2025, several factors have been influencing the company's performance.
1. Record Earnings and Revenue Growth: Community Trust Bancorp reported record earnings for Q2 2025, with net income reaching $24.9 million, or $1.38 per share, and an increase in total revenue of $4.0 million from the previous quarter. For Q3 2025, net income was $23.9 million, or $1.33 per basic share, representing an increase from Q3 2024. Total revenue for Q3 2025 was also up compared to the prior quarter and prior year.
2. Increased Dividends: The company increased its quarterly cash dividend to $0.53 per share, marking its 45th consecutive year of dividend increases. This enhanced dividend was paid on October 1, 2025, to shareholders of record as of September 15, 2025. Another dividend of $0.53 per share was declared on October 28, 2025, to be paid on January 2, 2026.
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1. Record Earnings and Revenue Growth: Community Trust Bancorp reported record earnings for Q2 2025, with net income reaching $24.9 million, or $1.38 per share, and an increase in total revenue of $4.0 million from the previous quarter. For Q3 2025, net income was $23.9 million, or $1.33 per basic share, representing an increase from Q3 2024. Total revenue for Q3 2025 was also up compared to the prior quarter and prior year.
2. Increased Dividends: The company increased its quarterly cash dividend to $0.53 per share, marking its 45th consecutive year of dividend increases. This enhanced dividend was paid on October 1, 2025, to shareholders of record as of September 15, 2025. Another dividend of $0.53 per share was declared on October 28, 2025, to be paid on January 2, 2026.
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Stock Movement Drivers
Fundamental Drivers
The 3.2% change in CTBI stock from 9/28/2025 to 12/28/2025 was primarily driven by a 3.3% change in the company's Total Revenues ($ Mil).| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 55.99 | 57.77 | 3.18% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 264.82 | 273.56 | 3.30% |
| Net Income Margin (%) | 34.55% | 34.10% | -1.32% |
| P/E Multiple | 11.02 | 11.16 | 1.26% |
| Shares Outstanding (Mil) | 18.01 | 18.02 | -0.04% |
| Cumulative Contribution | 3.18% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| CTBI | 3.2% | |
| Market (SPY) | 4.3% | 28.6% |
| Sector (XLF) | 3.3% | 54.4% |
Fundamental Drivers
The 10.8% change in CTBI stock from 6/29/2025 to 12/28/2025 was primarily driven by a 6.9% change in the company's Total Revenues ($ Mil).| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 52.13 | 57.77 | 10.82% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 256.00 | 273.56 | 6.86% |
| Net Income Margin (%) | 33.64% | 34.10% | 1.37% |
| P/E Multiple | 10.89 | 11.16 | 2.43% |
| Shares Outstanding (Mil) | 18.00 | 18.02 | -0.13% |
| Cumulative Contribution | 10.81% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| CTBI | 10.8% | |
| Market (SPY) | 12.6% | 37.3% |
| Sector (XLF) | 7.4% | 56.2% |
Fundamental Drivers
The 11.9% change in CTBI stock from 12/28/2024 to 12/28/2025 was primarily driven by a 14.2% change in the company's Total Revenues ($ Mil).| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 51.65 | 57.77 | 11.86% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 239.57 | 273.56 | 14.19% |
| Net Income Margin (%) | 32.97% | 34.10% | 3.43% |
| P/E Multiple | 11.75 | 11.16 | -4.99% |
| Shares Outstanding (Mil) | 17.96 | 18.02 | -0.32% |
| Cumulative Contribution | 11.85% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| CTBI | 11.9% | |
| Market (SPY) | 17.0% | 49.3% |
| Sector (XLF) | 15.3% | 60.3% |
Fundamental Drivers
The 42.4% change in CTBI stock from 12/29/2022 to 12/28/2025 was primarily driven by a 22.0% change in the company's Total Revenues ($ Mil).| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 40.57 | 57.77 | 42.41% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 224.30 | 273.56 | 21.96% |
| Net Income Margin (%) | 35.05% | 34.10% | -2.72% |
| P/E Multiple | 9.21 | 11.16 | 21.23% |
| Shares Outstanding (Mil) | 17.84 | 18.02 | -1.00% |
| Cumulative Contribution | 42.39% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| CTBI | 42.3% | |
| Market (SPY) | 48.4% | 42.6% |
| Sector (XLF) | 51.8% | 63.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CTBI Return | -17% | 22% | 10% | -0% | 26% | 14% | 60% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| CTBI Win Rate | 50% | 58% | 42% | 42% | 50% | 67% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| CTBI Max Drawdown | -39% | -2% | -8% | -27% | -11% | -13% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | CTBI | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -30.7% | -25.4% |
| % Gain to Breakeven | 44.2% | 34.1% |
| Time to Breakeven | 432 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -39.6% | -33.9% |
| % Gain to Breakeven | 65.7% | 51.3% |
| Time to Breakeven | 301 days | 148 days |
| 2018 Correction | ||
| % Loss | -28.9% | -19.8% |
| % Gain to Breakeven | 40.6% | 24.7% |
| Time to Breakeven | 2,137 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -42.7% | -56.8% |
| % Gain to Breakeven | 74.5% | 131.3% |
| Time to Breakeven | 1,592 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Community Trust Bancorp's stock fell -30.7% during the 2022 Inflation Shock from a high on 12/1/2022. A -30.7% loss requires a 44.2% gain to breakeven.
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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.
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Here are 1-3 brief analogies to describe Community Trust Bancorp (CTBI):
- A regional version of PNC Bank.
- Like a community-focused Chase Bank, serving Kentucky, West Virginia, and Tennessee.
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Major Products and Services of Community Trust Bancorp (CTBI)
- Retail Banking: Provides a variety of deposit products, such as checking and savings accounts, and consumer lending products, including personal, auto, and home equity loans, for individual customers.
- Commercial Banking: Offers deposit accounts and a range of lending products, including commercial real estate, construction, and working capital loans, to businesses.
- Mortgage Banking: Originates and services residential mortgage loans for home purchases and refinancing.
- Wealth Management & Trust Services: Delivers investment management, trust administration, and brokerage services to individuals, businesses, and institutional clients.
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Community Trust Bancorp (CTBI) is a bank holding company, meaning its primary business involves providing a range of financial services through its banking subsidiaries. As such, it primarily sells its services directly to a diverse base of customers rather than selling primarily to other companies in a traditional business-to-business supplier model.
The company serves the following categories of customers:
- Individuals (Consumers): This category includes residents within the bank's service areas who utilize personal banking services. These services encompass checking accounts, savings accounts, money market accounts, certificates of deposit, residential mortgage loans, home equity loans, personal loans, and various wealth management and trust services.
- Small to Medium-sized Businesses (SMBs): This category consists of local and regional businesses of varying sizes, including retail, service industries, manufacturing, professional practices (e.g., medical, legal), and agricultural enterprises. They utilize commercial loans, lines of credit, business checking and savings accounts, treasury management services, and merchant services.
- Commercial Clients (including Real Estate Developers/Investors): This category encompasses larger businesses, corporations, and commercial real estate developers or investors who require more extensive lending solutions (e.g., commercial real estate loans, construction loans, corporate lines of credit), sophisticated treasury management, and other specialized financial services.
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Mark A. Gooch, Chairman, President and Chief Executive Officer
Mark A. Gooch has served as the Chairman, President, and Chief Executive Officer of Community Trust Bancorp, Inc. since March 2024. He was appointed CEO in July 2021. Mr. Gooch also holds the titles of Chairman and CEO of Community Trust Bank, Inc., and Chairman of Community Trust and Investment Company. His previous roles include Executive Vice President and Secretary of Community Trust Bancorp, Inc., and he served as Treasurer of the company from 1997. He became President and CEO of Community Trust Bank, Inc. in May 2013.
Kevin J. Stumbo, Executive Vice President, Chief Financial Officer, and Treasurer
Kevin J. Stumbo has been an Executive Vice President, Treasurer, and Chief Financial Officer of Community Trust Bancorp, Inc. since 2013. He also serves as an Executive Vice President and Chief Financial Officer of Community Trust Bank, Inc. and as Vice President of Community Trust and Investment Company.
Richard W. Newsom, Executive Vice President
Richard W. Newsom serves as an Executive Vice President of Community Trust Bancorp, Inc. He is also a Director and President of Community Trust Bank, Inc..
Andy D. Waters, Executive Vice President
Andy D. Waters is an Executive Vice President of Community Trust Bancorp, Inc. and serves as President and Chief Executive Officer of Community Trust and Investment Company.
Charles Wayne Hancock, II, Executive Vice President and Secretary
Charles Wayne Hancock, II holds the position of Secretary and Executive Vice President of Community Trust Bancorp, Inc. He is also an Executive Vice President and Chief Legal Officer of Community Trust Bank, Inc..
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The key risks to Community Trust Bancorp's (CTBI) business primarily revolve around its core banking operations and the broader economic environment.
- Credit Risk and Economic Sensitivity: As a financial institution, Community Trust Bancorp is inherently exposed to the risk of borrowers defaulting on their loans. The company's profitability and overall value are directly influenced by the economic environment, which impacts borrowers' ability to repay their debts. Adverse economic conditions, such as rising interest rates, can affect the stability of borrower income and increase the risk of bad debt, which directly impacts the bank's bottom line. Recent annual reports highlight challenges stemming from rising interest rates and a competitive financial sector.
- Concentration in Hotel/Motel Loans: Community Trust Bancorp has a notable concentration in hotel/motel loans, which constitute approximately 10.2% of its total loan portfolio. This sector is highly susceptible to fluctuations in both domestic and global economic conditions, potentially leading to substantial volatility for the bank.
- Competition for Deposits: The financial sector is characterized by fierce competition for deposits, a factor explicitly identified as a challenging situation in Community Trust Bancorp's 2023 and 2024 annual reports. This intense competition can impact the bank's funding costs and net interest margin, thereby affecting its overall profitability.
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Community Trust Bancorp faces clear emerging threats from **digital-first banks and specialized fintech companies** that are fundamentally altering customer expectations and service delivery in the financial sector.
1. **Digital-Only Banks (Neobanks)**: Companies like Ally Bank, Chime, Varo, and SoFi operate without traditional branch networks, allowing them to offer competitive interest rates on deposits, lower fees, and highly sophisticated mobile-first banking platforms. This business model directly challenges CTBI's ability to attract and retain deposit customers and consumer banking relationships, particularly among younger, digitally-native demographics who prioritize convenience and digital accessibility over physical branch presence.
2. **Specialized Fintech Lenders and Platforms**:
- **Mortgage Lenders**: Companies such as Rocket Mortgage have demonstrated the ability to capture significant market share by offering entirely digital, streamlined mortgage application processes that prioritize speed and convenience, directly competing with CTBI's core mortgage lending business.
- **Buy Now, Pay Later (BNPL) Services**: Platforms like Affirm, Klarna, and Afterpay are disrupting traditional consumer credit by offering immediate, point-of-sale installment payment options for retail purchases. This model directly competes with and erodes the market for traditional credit cards and small consumer loans, which are core products for banks like CTBI, especially among younger consumers.
- **Online Small Business Lenders**: Various online platforms are providing faster, data-driven lending solutions for small businesses, potentially siphoning off a segment of CTBI's commercial loan customers who seek quicker approvals and more flexible terms.
These competitors represent a paradigm shift in financial service delivery, similar to how streaming services disrupted physical rental stores or ride-sharing disrupted traditional taxis, by offering a fundamentally different, often more convenient, and lower-cost model that directly threatens traditional banking operations.
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Community Trust Bancorp (CTBI) operates primarily in Kentucky, West Virginia, and Tennessee, offering a range of commercial and personal banking services, as well as trust and wealth management solutions. Despite extensive research into the banking and financial markets within these regions, it is not possible to provide specific, quantifiable addressable market sizes for each of CTBI's individual main products and services, such as commercial loans, mortgage lending, personal loans, various deposit account types, investment management, trust administration, retirement planning, estate settlement, or full-service brokerage and insurance services. While aggregate data for total deposits and loans within these states is available, a granular breakdown of the addressable market size for each specific product offered by CTBI within its precise operating regions is not publicly accessible. Therefore, based on the inability to size the markets for specific products, the output is null.AI Analysis | Feedback
Expected Drivers of Future Revenue Growth for Community Trust Bancorp (CTBI)
- Continued Loan Portfolio Growth: Community Trust Bancorp has demonstrated consistent loan portfolio expansion, with the loan portfolio growing by $92.1 million from the previous quarter and $443.4 million year-over-year as of Q3 2025. This trend is a significant driver for future net interest income. The loan portfolio also increased by $136.2 million in Q4 2024.
- Net Interest Income Expansion: The company has shown an ability to expand its net interest income, which increased to $55.6 million in Q3 2025, up 2.8% from the prior quarter and 17.7% year-over-year. This expansion has been driven by a wider net interest margin and strong earning-asset growth. Net interest income for the year ended December 31, 2024, was $186.0 million, up from $173.1 million in the prior year.
- Deposit Growth: Robust deposit growth, with total deposits and repurchase agreements reaching $5.7 billion, an increase of $212.2 million from the previous quarter, supports the company's lending activities by providing a stable and lower-cost funding source. This growth in deposits contributes to the overall growth in earning assets.
- Growth in Noninterest Income Services: While noninterest income saw a slight decrease quarter-over-quarter in Q3 2025, it increased year-over-year. The company offers various non-core banking services such as wealth management, retirement planning, trust administration, and investment advisory services, in addition to deposit-related fees. Growth in these areas could provide diversified revenue streams.
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Capital Allocation Decisions for Community Trust Bancorp (CTBI) over the Last 3-5 Years:
Share Repurchases
- In 2023, Community Trust Bancorp did not anticipate any stock repurchases.
Outbound Investments
- Community Trust Bancorp continues to pursue organic growth, including considering potential strategic branching and acquisition opportunities.
- The company opened new branch offices in Versailles, Kentucky, and Georgetown, Kentucky in 2022.
- New branches were opened in Florence, Kentucky, and Elizabethtown, Kentucky in 2024, with another planned for Elizabethtown later in the year.
Capital Expenditures
- Capital expenditures have shown an increasing trend over the last few years, with $1.48 million in 2020, $1.54 million in 2021, $5.60 million in 2022, $5.95 million in 2023, and $8.01 million in 2024.
- In the last 12 months, capital expenditures were approximately -$8.81 million.
- The primary focus of capital expenditures is on expanding the company's physical presence through new branch offices.
Latest Trefis Analyses
| Title | Topic | |
|---|---|---|
| DASHBOARDS | ||
| Community Trust Bancorp Stock Lost 5.7%, Buy Or Wait? | Return | |
| Community Trust Bancorp (CTBI) Operating Cash Flow Comparison | Financials | |
| Community Trust Bancorp (CTBI) Net Income Comparison | Financials |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to CTBI. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Community Trust Bancorp
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 67.97 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 9.4% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Community banking services | 236 | 227 | 224 | 206 | 195 |
| Total | 236 | 227 | 224 | 206 | 195 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Community banking services | 83 | ||||
| Total | 83 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Community banking services | 5,765 | ||||
| Holding company assets | 768 | ||||
| Elimination of subsidiary and parent cash and intercompany receivables | -6 | ||||
| Elimination of investment in subsidiaries | -757 | ||||
| Total | 5,770 |
Price Behavior
Price Behavior
| Market Price | $57.77 | |
| Market Cap ($ Bil) | 1.0 | |
| First Trading Date | 05/17/1993 | |
| Distance from 52W High | -5.5% | |
| 50 Days | 200 Days | |
| DMA Price | $54.87 | $52.82 |
| DMA Trend | up | up |
| Distance from DMA | 5.3% | 9.4% |
| 3M | 1YR | |
| Volatility | 27.1% | 25.2% |
| Downside Capture | 34.87 | 73.70 |
| Upside Capture | 42.71 | 73.18 |
| Correlation (SPY) | 28.3% | 49.6% |
CTBI Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.60 | 0.71 | 0.68 | 1.03 | 0.69 | 0.80 |
| Up Beta | 0.25 | 0.95 | 1.15 | 1.65 | 0.51 | 0.82 |
| Down Beta | -0.00 | 0.79 | 0.70 | 0.94 | 0.74 | 0.71 |
| Up Capture | 150% | 54% | 33% | 81% | 64% | 54% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 13 | 25 | 31 | 62 | 122 | 366 |
| Down Capture | 38% | 67% | 71% | 90% | 92% | 96% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 6 | 16 | 31 | 63 | 126 | 381 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of CTBI With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| CTBI | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 10.2% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 25.1% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.34 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 60.4% | 49.5% | -4.9% | 9.7% | 45.4% | 22.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of CTBI With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| CTBI | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 13.5% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 26.0% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.49 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 61.2% | 42.9% | -1.5% | 11.1% | 41.1% | 19.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of CTBI With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| CTBI | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 9.1% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 29.1% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.35 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 70.9% | 54.4% | -8.4% | 19.6% | 48.8% | 15.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/15/2025 | -5.3% | -6.4% | -3.4% |
| 7/16/2025 | 3.8% | 5.3% | 5.0% |
| 4/16/2025 | 1.1% | 4.7% | 13.0% |
| 1/15/2025 | 2.3% | 1.0% | 5.5% |
| 10/16/2024 | 3.2% | 2.1% | 17.1% |
| 7/17/2024 | 3.3% | 4.8% | -4.9% |
| 4/17/2024 | 0.3% | 8.7% | 11.4% |
| 1/17/2024 | -1.5% | 2.5% | -1.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 15 | 13 |
| # Negative | 7 | 8 | 10 |
| Median Positive | 1.9% | 3.1% | 7.0% |
| Median Negative | -1.8% | -2.0% | -3.1% |
| Max Positive | 8.6% | 9.4% | 17.1% |
| Max Negative | -7.7% | -8.7% | -6.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11072025 | 10-Q 9/30/2025 |
| 6302025 | 8082025 | 10-Q 6/30/2025 |
| 3312025 | 5092025 | 10-Q 3/31/2025 |
| 12312024 | 2282025 | 10-K 12/31/2024 |
| 9302024 | 11082024 | 10-Q 9/30/2024 |
| 6302024 | 8082024 | 10-Q 6/30/2024 |
| 3312024 | 5092024 | 10-Q 3/31/2024 |
| 12312023 | 2282024 | 10-K 12/31/2023 |
| 9302023 | 11082023 | 10-Q 9/30/2023 |
| 6302023 | 8082023 | 10-Q 6/30/2023 |
| 3312023 | 5092023 | 10-Q 3/31/2023 |
| 12312022 | 2282023 | 10-K 12/31/2022 |
| 9302022 | 11082022 | 10-Q 9/30/2022 |
| 6302022 | 8082022 | 10-Q 6/30/2022 |
| 3312022 | 5092022 | 10-Q 3/31/2022 |
| 12312021 | 2282022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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