Community Trust Bancorp, Inc. (CTBI) fair value analysis
Nasdaq · Updated 2026-10-19
CTBI price how computed
Forward Fair Value verdict
OvervaluedCTBI is trading at more than a 25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $75.08
- Sector
- Financial Services
- 12-month range
- $51.19–$79.46
- Market cap
- $1.36B
- From 52-week high
- -5.5%
- Shares outstanding
- 18.2M
- Rank in Financial Services by discount to fair value
- #147 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
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.
CTBI currently ranks #147 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $1.36B
- P/E (trailing)
- 13x
- Revenue (TTM)
- $423M
- Net margin
- 25.6%
- EPS (TTM)
- $5.97
- Gross margin
- 69.6%
- Debt / equity
- 0.42
- Revenue growth (3-yr avg)
- 9.4%
- Shares outstanding
- 18.2M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 48 · neutral
- 50-day average
- $76.26
- 200-day average
- $68.33
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $2.30 per share (4 payments)
- Yield on last price
- 3.06%
- Consecutive years of increases
- 10
- Last ex-dividend date
- 2026-09-15
- Last payment date
- 2026-10-01
Earnings how computed
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+7.9%)
2026-03 ▲ beat (+7.9%)
2025-12 ▲ beat (+5.6%)
2025-09 ▼ miss (-4.3%)
2025-06 ▲ beat (+9.5%)
2025-03 ▲ beat (+2.5%)
2024-12 ▲ beat (+4.2%)
2024-09 ▲ beat (+7.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 2 buy · 1 hold · 0 sell (3 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $81.3
- Target vs last price
- +8.3%
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 $51.19–$79.46.
- The 14-day relative strength index sits at a neutral 48.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
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.
What people are saying
Follow the CTBI conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is CTBI stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), 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 #147 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is CTBI overbought or oversold?
CTBI's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does CTBI pay a dividend?
Yes. CTBI paid $2.30 per share over the last twelve months (4 payments), a 3.06% yield on TickrTrends' last price, and has raised the annual total for 10 consecutive years. The last ex-dividend date was 2026-09-15.
Does CTBI usually beat earnings estimates?
Over its last 8 reported quarters CTBI beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about CTBI?
Of 3 analysts covering CTBI, 2 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $81.3 (+8.3% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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