Community Trust Bancorp (CTBI)
Market Price (6/7/2026): $67.76 | Market Cap: $1.2 BilSector: Financials | Industry: Regional Banks
Community Trust Bancorp (CTBI)
Market Price (6/7/2026): $67.76Market Cap: $1.2 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 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 8.3% 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 -37% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | 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. |
| 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 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 8.3% |
| 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 -37% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| 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. |
Qualitative Assessment
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Community Trust Bancorp (CTBI) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Community Trust Bancorp reported strong financial results for the first quarter of 2026. The company announced an Earnings Per Share (EPS) of $1.50 on April 15, 2026, surpassing the consensus estimate of $1.39 by $0.11. Quarterly revenue also exceeded expectations, reaching $74.20 million against an anticipated $73 million. Net income increased to $27.2 million from $22.0 million in the prior year, with basic EPS rising to $1.51 from $1.22, primarily due to a 14.6% increase in net interest income to $58.8 million.
2. The broader regional banking sector experienced a favorable trend during the period. The S&P Regional Banks Index saw an 8.45% increase on a total return basis year-to-date through May 1, 2026. This positive momentum was largely driven by stable Federal Reserve policy rates, which reinforced banking sector profitability and led to buoyant profit expectations. Net interest margins for FDIC-insured community banks notably surged to 3.65% in 2025, up from 3.34% in 2024.
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Stock Movement Drivers
Fundamental Drivers
The 13.6% change in CTBI stock from 2/28/2026 to 6/6/2026 was primarily driven by a 8.0% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 59.50 | 67.58 | 13.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 283 | 291 | 2.8% |
| Net Income Margin (%) | 34.7% | 35.5% | 2.4% |
| P/E Multiple | 10.9 | 11.8 | 8.0% |
| Shares Outstanding (Mil) | 18 | 18 | -0.1% |
| Cumulative Contribution | 13.6% |
Market Drivers
2/28/2026 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CTBI | 13.6% | |
| Market (SPY) | 7.8% | 33.3% |
| Sector (XLF) | 2.2% | 52.5% |
Fundamental Drivers
The 24.0% change in CTBI stock from 11/30/2025 to 6/6/2026 was primarily driven by a 12.1% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 54.52 | 67.58 | 24.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 274 | 291 | 6.2% |
| Net Income Margin (%) | 34.1% | 35.5% | 4.2% |
| P/E Multiple | 10.5 | 11.8 | 12.1% |
| Shares Outstanding (Mil) | 18 | 18 | -0.2% |
| Cumulative Contribution | 24.0% |
Market Drivers
11/30/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CTBI | 24.0% | |
| Market (SPY) | 8.5% | 29.1% |
| Sector (XLF) | -1.1% | 46.5% |
Fundamental Drivers
The 37.3% change in CTBI stock from 5/31/2025 to 6/6/2026 was primarily driven by a 14.8% change in the company's P/E Multiple.| (LTM values as of) | 5312025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 49.23 | 67.58 | 37.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 256 | 291 | 13.5% |
| Net Income Margin (%) | 33.6% | 35.5% | 5.7% |
| P/E Multiple | 10.3 | 11.8 | 14.8% |
| Shares Outstanding (Mil) | 18 | 18 | -0.3% |
| Cumulative Contribution | 37.3% |
Market Drivers
5/31/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CTBI | 37.3% | |
| Market (SPY) | 26.6% | 35.5% |
| Sector (XLF) | 4.2% | 52.7% |
Fundamental Drivers
The 126.3% change in CTBI stock from 5/31/2023 to 6/6/2026 was primarily driven by a 80.1% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.86 | 67.58 | 126.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 230 | 291 | 26.6% |
| Net Income Margin (%) | 35.4% | 35.5% | 0.2% |
| P/E Multiple | 6.6 | 11.8 | 80.1% |
| Shares Outstanding (Mil) | 18 | 18 | -1.0% |
| Cumulative Contribution | 126.3% |
Market Drivers
5/31/2023 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CTBI | 126.3% | |
| Market (SPY) | 83.4% | 39.7% |
| Sector (XLF) | 72.8% | 59.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CTBI Return | 22% | 10% | -0% | 26% | 11% | 21% | 124% |
| Peers Return | 34% | 6% | -3% | 21% | -0% | 12% | 87% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 11% | 102% |
Monthly Win Rates [3] | |||||||
| CTBI Win Rate | 58% | 42% | 42% | 50% | 67% | 83% | |
| Peers Win Rate | 67% | 47% | 47% | 55% | 53% | 63% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 67% | |
Max Drawdowns [4] | |||||||
| CTBI Max Drawdown | -17% | -13% | -28% | -13% | -19% | -11% | |
| Peers Max Drawdown | -20% | -21% | -33% | -15% | -21% | -12% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SYBT, WSBC, CHCO, GABC, FFBC.
[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] 2026 data is for the year up to 6/5/2026 (YTD)
How Low Can It Go
| Event | CTBI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -16.9% | -18.8% |
| % Gain to Breakeven | 20.3% | 23.1% |
| Time to Breakeven | 81 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.1% | -6.7% |
| % Gain to Breakeven | 30.0% | 7.1% |
| Time to Breakeven | 214 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -31.7% | -33.7% |
| % Gain to Breakeven | 46.4% | 50.9% |
| Time to Breakeven | 339 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -18.1% | -19.2% |
| % Gain to Breakeven | 22.1% | 23.8% |
| Time to Breakeven | 312 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -19.9% | -17.9% |
| % Gain to Breakeven | 24.9% | 21.8% |
| Time to Breakeven | 24 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -17.9% | -15.4% |
| % Gain to Breakeven | 21.9% | 18.2% |
| Time to Breakeven | 173 days | 125 days |
In The Past
Community Trust Bancorp's stock fell -16.9% during the 2025 US Tariff Shock. Such a loss loss requires a 20.3% gain to breakeven.
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Asset Allocation
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| Event | CTBI | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -23.1% | -6.7% |
| % Gain to Breakeven | 30.0% | 7.1% |
| Time to Breakeven | 214 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -31.7% | -33.7% |
| % Gain to Breakeven | 46.4% | 50.9% |
| Time to Breakeven | 339 days | 140 days |
In The Past
Community Trust Bancorp's stock fell -16.9% during the 2025 US Tariff Shock. Such a loss loss requires a 20.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Community Trust Bancorp (CTBI)
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A scaled-down version of a regional bank like PNC or U.S. Bank, providing full financial services to smaller communities in Kentucky, West Virginia, and Tennessee.
Think of it as a community-focused Bank of America, offering comprehensive banking and trust services, but operating exclusively in parts of Kentucky, West Virginia, and Tennessee.
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```html- Deposit Accounts: Offers various checking, savings, money market, and time deposit accounts for individuals and businesses, including IRAs and Keogh plans.
- Lending Services: Provides a range of commercial, construction, mortgage, personal, and real estate loans, as well as lease financing and lines of credit.
- Trust and Wealth Management: Acts as a trustee for personal trusts and employee benefit trusts, executor of estates, and provides investment agency services.
- Cash Management & Payment Services: Offers cash management solutions, safe deposit boxes, funds transfer, letters of credit, and digital banking services like mobile and internet banking.
- Securities Brokerage: Provides services for buying and selling securities.
- Annuity and Life Insurance Products: Sells annuity and life insurance products.
- Repurchase Agreements: Engages in repurchase agreements.
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Community Trust Bancorp (CTBI), as a community bank, serves a broad and diverse customer base within the small and mid-sized communities where it operates. It does not have a few "major customers" in the traditional sense of specific companies that account for a significant portion of its revenue. Instead, its customer base is composed of a large number of individuals, businesses, and local organizations. Therefore, the company's customers can be categorized as follows:
- Individual Consumers: This category includes individuals and families who utilize the bank's personal banking services such as checking accounts, savings accounts, money market accounts, individual retirement accounts, personal loans, mortgage loans, debit cards, wealth management, and personal trust services.
- Small and Mid-sized Businesses: This category encompasses local companies and enterprises that leverage CTBI's commercial banking services. These services include commercial loans, construction loans, lines of credit, lease-financing, asset-based financing, cash management, and trustee services for employee benefit trusts.
- Local Organizations and Institutions: This category refers to various non-profit organizations, local governmental entities, and other community-based institutions that use the bank's deposit services, funds transfer services, and specialized roles like acting as paying agent for bond and stock issues.
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Mark A. Gooch, Chairman, President and CEO Mr. Gooch was appointed CEO in July 2021. He joined Community Trust Bancorp, Inc. (CTBI) in 1987, coinciding with the company's first acquisition (then known as Pikeville National Bank). Prior to becoming CEO of CTBI, he served as President and CEO of the company's primary subsidiary, Community Trust Bank, Inc., since July 1999. He also holds the titles of Chairman, President, and CEO of Community Trust Bancorp, Inc., and Chairman of both Community Trust Bank, Inc., and Community Trust and Investment Company.
Kevin J. Stumbo, Executive Vice President, Chief Financial Officer, and Treasurer Mr. Stumbo has served as the Director of Finance/CFO since December 31, 2001. In addition to his roles at Community Trust Bancorp, Inc., he also holds the positions of Executive Vice President/CFO of Community Trust Bank, Inc. and Vice President of Community Trust and Investment Company.
Richard W. Newsom, Executive Vice President Mr. Newsom is an Executive Vice President of Community Trust Bancorp, Inc. He also serves as Director and President of Community Trust Bank, Inc..
Andy D. Waters, Executive Vice President Mr. Waters is an Executive Vice President of Community Trust Bancorp, Inc. and also serves as the President and Chief Executive Officer of Community Trust and Investment Company.
Charles Wayne Hancock, II, Executive Vice President and Secretary Mr. Hancock serves as an Executive Vice President and the Secretary of Community Trust Bancorp, Inc. He is also the Chief Legal Officer for Community Trust Bank Inc..
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The key risks to Community Trust Bancorp (CTBI) include:
- Market Concentration Risks: Community Trust Bancorp's operations are heavily concentrated in Kentucky, West Virginia, and Tennessee. This geographic concentration exposes the company to local economic downturns and industry-specific risks within these regions, such as the declining coal industry. Additionally, a significant portion of its loan portfolio, approximately 70%, is secured by real estate, with 42% consisting of commercial real estate, heightening its vulnerability to real estate market fluctuations.
- Interest Rate Risk: As a financial institution, Community Trust Bancorp is significantly exposed to adverse changes in net interest income due to fluctuations in interest rates. Interest rate risk is considered one of its most significant market risks, and effective management of this exposure is crucial for the consistency of its net interest revenue.
- Regulatory, Cybersecurity, and Technological Competition Risks: The banking industry is subject to stringent regulatory requirements, and changes in these regulations or capital requirements could negatively impact CTBI's profitability and operational flexibility. Furthermore, the company faces growing cybersecurity threats, which could lead to disruptions and financial liabilities from data breaches or system failures. Community Trust Bancorp also faces challenges in keeping pace with rapid technological advancements and intense competition from larger financial institutions and non-bank entities that leverage technology, potentially eroding its market share and competitive advantage if not addressed proactively.
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The clear emerging threat for Community Trust Bancorp (CTBI) is the ongoing disruption from financial technology (fintech) companies, specifically the rise of neo-banks and online lending platforms. Neo-banks offer fully digital banking services, including checking and savings accounts, often with lower fees and enhanced mobile experiences, directly challenging CTBI's traditional deposit-gathering and consumer banking services. Online lending platforms provide faster, technology-driven origination for personal, small business, and even mortgage loans, bypassing the need for physical branches and directly competing with CTBI's core lending products. These fintech innovations provide more convenient, and often lower-cost, alternatives that erode the traditional value proposition of community banks reliant on physical branch networks and relationship banking.
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Community Trust Bancorp (CTBI) operates in regions including Kentucky, West Virginia, and Tennessee. Based on available data, the addressable markets for some of their main products and services in these regions are as follows:
Kentucky
- Total Deposits: The total deposits in banks across Kentucky were approximately $116 billion in 2024.
- Commercial Banking Industry: The market size for the Commercial Banking industry in Kentucky is projected to be $13.3 billion in 2026. This includes consumer, commercial, and industrial loans, and the acceptance of deposits.
- New Home Loans (Mortgage): Approximately $8.9 billion in new home loans were originated in Kentucky in 2024.
- Small Business Loans: The market for small business loans in Kentucky amounted to approximately $7.2 billion in 2024.
West Virginia
- Total Deposits/Banking Assets: The total assets across banks in West Virginia were approximately $50.81 billion as of June 30, 2025. This serves as an indicator of the overall banking market size.
- Commercial Banking Industry: Commercial Banking in West Virginia is reported to have generated $4.6 billion in revenue, making it the 8th largest industry by revenue in the state. The market size has been growing at an average annual rate of 8.0% from 2020 to 2025.
Tennessee
- Total Deposits: The total deposits in banks across Tennessee were approximately $223 billion in 2024.
- Commercial Banking Industry: The market size for the Commercial Banking industry in Tennessee is projected to be $23.0 billion in 2026. This industry includes receiving deposits from customers and issuing consumer, commercial, and industrial loans.
- New Home Loans (Mortgage): Approximately $23.3 billion in new home loans were originated in Tennessee in 2024.
- Small Business Loans: The market for small business loans in Tennessee amounted to approximately $14.7 billion in 2024.
- Commercial Leasing Industry: The market size of the Commercial Leasing industry in Tennessee is projected to be $3.9 billion in 2026.
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Community Trust Bancorp (CTBI) is expected to drive future revenue growth over the next 2-3 years through several key strategies inherent to its community banking model:
- Growth in Loan Portfolio: The company has demonstrated consistent expansion in its loan portfolio, particularly in commercial and residential real estate segments. This growth directly contributes to increased interest income, a primary component of the bank's total revenue. For example, Community Trust Bancorp reported a 10.3% year-over-year increase in its loan portfolio in the second quarter of 2025 and a 9.1% increase for the full year 2025.
- Net Interest Margin Expansion: Enhancing the net interest margin (NIM) is a critical driver for increasing net interest income. Community Trust Bancorp has consistently reported improvements in its net interest margin, driven by a higher yield on earning assets. Analysts also view the ability to expand NIM as crucial for the bank to meet or exceed future performance expectations.
- Deposit Growth: A robust and growing deposit base provides a stable and cost-effective funding source for the bank's lending activities. Sustained growth in deposits enables the company to support its loan portfolio expansion and optimize its cost of funds, thereby bolstering net interest income. The company reported a 10.0% year-over-year increase in deposits in Q2 2025 and a 7.3% rise for the full year 2025.
- Expansion of Trust and Wealth Management Services: Community Trust Bancorp offers a range of non-interest income generating services, including trust and wealth management. Increased revenue from these services, which has been consistently reported, diversifies the company's income streams beyond traditional lending and deposit-taking activities. For instance, trust revenue has been cited as a contributing factor to increases in noninterest income across multiple reporting periods.
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Capital Expenditures
- Community Trust Bancorp continued to invest in technology, cybersecurity, and branch optimization in 2025.
- The company expanded its banking locations by opening new branches in Florence, Kentucky, and Elizabethtown, Kentucky during 2024.
- As of January 30, 2026, Community Trust Bank, Inc., a subsidiary, reported $67.00 million in Bank Premises and Fixed Assets.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Community Trust Bancorp Stock Lost 5.7%, Buy Or Wait? | 10/17/2025 | |
| Community Trust Bancorp (CTBI) Operating Cash Flow Comparison | 02/17/2025 | |
| Community Trust Bancorp (CTBI) Net Income Comparison | 02/15/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 55.93 |
| Mkt Cap | 2.0 |
| Rev LTM | 387 |
| Op Inc LTM | - |
| FCF LTM | 149 |
| FCF 3Y Avg | 130 |
| CFO LTM | 158 |
| CFO 3Y Avg | 136 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.0% |
| Rev Chg 3Y Avg | 7.9% |
| Rev Chg Q | 15.1% |
| QoQ Delta Rev Chg LTM | 3.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 41.5% |
| CFO/Rev 3Y Avg | 41.5% |
| FCF/Rev LTM | 40.4% |
| FCF/Rev 3Y Avg | 39.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.0 |
| P/S | 4.3 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.0 |
| P/CFO | 10.9 |
| Total Yield | 11.2% |
| Dividend Yield | 2.9% |
| FCF Yield 3Y Avg | 9.3% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.8% |
| 3M Rtn | 11.4% |
| 6M Rtn | 10.8% |
| 12M Rtn | 17.9% |
| 3Y Rtn | 56.1% |
| 1M Excs Rtn | 1.4% |
| 3M Excs Rtn | 1.9% |
| 6M Excs Rtn | 2.1% |
| 12M Excs Rtn | -3.4% |
| 3Y Excs Rtn | 2.5% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community banking services | 236 | 227 | 224 | 206 | |
| Total | 236 | 227 | 224 | 206 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community banking services | 83 | ||||
| Total | 83 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community banking services | 6,187 | 5,765 | |||
| Holding company assets | 823 | 768 | |||
| Elimination of subsidiary and parent cash and intercompany receivables | -4 | -6 | |||
| Elimination of investment in subsidiaries | -812 | -757 | |||
| Total | 6,193 | 5,770 |
Price Behavior
| Market Price | $67.58 | |
| Market Cap ($ Bil) | 1.2 | |
| First Trading Date | 05/17/1993 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $65.01 | $58.96 |
| DMA Trend | up | up |
| Distance from DMA | 4.0% | 14.6% |
| 3M | 1YR | |
| Volatility | 22.2% | 26.4% |
| Downside Capture | 42.26 | 61.65 |
| Upside Capture | 76.22 | 81.47 |
| Correlation (SPY) | 34.7% | 36.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.79 | 0.84 | 0.50 | 0.63 | 0.79 | 0.75 |
| Up Beta | 0.95 | 0.90 | 0.45 | 0.85 | 1.14 | 0.77 |
| Down Beta | 0.75 | -0.24 | 0.20 | 0.40 | 0.64 | 0.66 |
| Up Capture | 66% | 77% | 69% | 74% | 72% | 62% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 10 | 22 | 33 | 67 | 129 | 381 |
| Down Capture | 86% | 127% | 48% | 45% | 69% | 88% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 10 | 19 | 30 | 57 | 121 | 367 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CTBI | |
|---|---|---|---|---|
| CTBI | 38.0% | 26.4% | 1.19 | - |
| Sector ETF (XLF) | 4.6% | 14.6% | 0.09 | 52.6% |
| Equity (SPY) | 25.3% | 12.1% | 1.57 | 35.4% |
| Gold (GLD) | 27.6% | 26.9% | 0.88 | -0.9% |
| Commodities (DBC) | 36.9% | 19.0% | 1.52 | -18.1% |
| Real Estate (VNQ) | 12.5% | 13.3% | 0.63 | 35.9% |
| Bitcoin (BTCUSD) | -42.0% | 42.5% | -1.16 | 19.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CTBI | |
|---|---|---|---|---|
| CTBI | 13.3% | 26.1% | 0.47 | - |
| Sector ETF (XLF) | 8.5% | 18.6% | 0.34 | 59.2% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 42.5% |
| Gold (GLD) | 17.3% | 18.1% | 0.78 | -1.0% |
| Commodities (DBC) | 9.5% | 19.4% | 0.38 | 6.2% |
| Real Estate (VNQ) | 3.2% | 18.8% | 0.07 | 41.7% |
| Bitcoin (BTCUSD) | 11.3% | 54.6% | 0.40 | 19.0% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CTBI | |
|---|---|---|---|---|
| CTBI | 10.6% | 29.3% | 0.40 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 70.7% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 53.7% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -7.1% |
| Commodities (DBC) | 7.1% | 18.0% | 0.32 | 16.9% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.24 | 49.1% |
| Bitcoin (BTCUSD) | 63.3% | 66.9% | 1.03 | 15.9% |
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Returns Analyses
Earnings Returns History
Updated 6/3/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/15/2026 | 2.7% | 1.1% | 0.2% |
| 1/21/2026 | 10.1% | 4.0% | 5.9% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 16 | 14 |
| # Negative | 6 | 7 | 9 |
| Median Positive | 2.2% | 2.8% | 6.5% |
| Median Negative | -1.9% | -2.2% | -2.8% |
| Max Positive | 10.1% | 8.7% | 17.1% |
| Max Negative | -7.7% | -8.7% | -6.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Sparkman, Ricky D | Executive Vice President | Direct | Buy | 3162026 | 58.50 | 84 | 4,914 | 4,914 | Form |
| 2 | Waters, Andy D | Executive Vice President | Direct | Sell | 8192025 | 56.18 | 918 | 51,574 | 35,506 | Form |
| 3 | Minnifield, Franky | Direct | Buy | 6022025 | 51.01 | 2,000 | 102,020 | 872,199 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
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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