Community Trust Bancorp, Inc. (CTBI) fair value analysis

Nasdaq · Updated 2026-09-07

Community Trust Bancorp, Inc. is a bank holding company that provides banking and financial services through its subsidiary banks. The company operates primarily in Kentucky, Tennessee, and Virginia.

Forward Fair Value verdict

Overvalued

Based on TickrTrends' weekly Forward Fair Value model, CTBI is trading at more than a 25% premium to estimated fair value.

CTBI currently ranks #148 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Overvalued for 3 consecutive weekly runs.

Last price: $78.93
Sector: Financial Services
12-month range: $50.38–$78.93

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C-
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

What our data shows for CTBI

Our model validated 17 trailing price-to-earnings windows for CTBI, built from quarterly earnings records.
Shares are trading in the upper third of their 12-month price range of $50.38–$78.93.
The 14-day relative strength index sits at a neutral 49.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for CTBI
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent CTBI news

TickrTrends' derived news-sentiment signal for CTBI is currently leaning positive, computed from recent coverage.

Community Trust Bancorp: Strong Profitability, But Valuation Limits Upside (NASDAQ:CTBI) (seekingalpha.com, 2026-09-08)
TickrTrends take: Community Trust Bancorp operates in the Financial Services sector and is currently assessed as overvalued according to TickrTrends analysis. Given the company's strong profitability, a valuation-focused reader should monitor whether current market pricing can be justified by future earnings growth or if the premium valuation presents downside risk. The disconnect between operational performance and valuation metrics suggests investors should track how the company's financial results evolve relative to its market price.
CTBI Assumes Coverage by Raymond James -- Price Target Announced at $82 (gurufocus.com, 2026-09-02)
TickrTrends take: Raymond James has initiated coverage of CTBI with an $82 price target, which represents analyst confidence in the company's prospects within the Financial Services sector. Given that TickrTrends currently rates CTBI as overvalued, investors focused on valuation metrics should monitor whether this analyst target reflects a reassessment of the company's intrinsic value or whether the overvaluation designation persists relative to this new benchmark. The gap between current market pricing and the Raymond James target will be a key indicator for those tracking whether external analyst perspectives are shifting the valuation narrative.
Community Trust Bancorp raises dividend by 22.6% to $0.65 (NASDAQ:CTBI) (seekingalpha.com, 2026-07-29)
TickrTrends take: Community Trust Bancorp's dividend increase to 65 cents per share reflects management confidence in earnings generation, though this capital allocation decision occurs against TickrTrends' assessment that the stock trades at an overvalued level within the Financial Services sector. Investors focused on valuation metrics should monitor whether the dividend raise signals management conviction that current pricing is justified or represents a commitment to shareholders despite stretched valuations. The sustainability of this higher payout will depend on the company's ability to maintain or grow earnings in an evolving interest rate environment.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is CTBI stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), CTBI is trading at more than a 25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.

What is CTBI's TickrTrends verdict?

CTBI's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.

How does CTBI compare to other Financial Services stocks?

CTBI ranks #148 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is CTBI overbought or oversold?

CTBI's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

CTBI vs ACT · CTBI vs EGBN · CTBI vs FIBK · CTBI vs FSBC · CTBI vs HBNC