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Eastern Kentucky community bank offering commercial, retail, trust and wealth-management banking services.
Eastern Kentucky community bank offering commercial, retail, trust and wealth-management banking services.
Earns mostly from interest on loans funded by deposits across eastern Kentucky, with branches also in southern West Virginia and Tennessee, plus fees from trust and wealth management. Based in Pikeville, Kentucky.
Moat: narrow (scale, distribution). Long-standing dominant branch presence in a lightly-banked Appalachian region.
Headquarters: Pikeville, Kentucky, US · Founded: 1903 · Employees: 930
Size Community Trust Bancorp (CTBI) is a United States Financials company (Regional Banks) with a market value of $1.26B, the 2112th largest of 3,117 United States companies the cockpit tracks. Shares closed at $69.11 on 6 Nov 2026.
Performance Over six months the shares gained 4.2%, against +9.3% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 7.8% over the last twelve months (peer median +10.1%); the operating margin is 46.7% (peer median 33.8%).
Valuation It trades at 1.43× book value against a peer median of 1.18× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 9.8%; Community Trust Bancorp delivers 12.9%, so the price asks less than the business earns today.
Short interest Short interest is 3.0% of the free float (15 Oct 2026).
Next results Next results expected around 20 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $431M | $408M | $374M | $325M | $255M |
| Revenue growth | — | +9% | +15% | +27% | — |
| Net income | $110M | $98.1M | $82.8M | $78.0M | $81.8M |
| Free cash flow | n/a | $97.4M | $97.2M | $79.4M | $93.5M |
| Capital expenditure | n/a | $26.7M | $8.08M | $13.0M | $6.22M |
| Total debt | $431M | $390M | $320M | $307M | $292M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Community Trust Bancorp CTBI | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% |
| Republic Bancorp RBCAA | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% |
| Stock Yards Bancorp SYBT | $2.46B | +10% | +10% | 32% | 2.17× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CTBI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -8.3% | -0.8% | 6th lowest of 21 |
| 6-month return | +4.2% | +9.3% | 6th lowest of 21 |
| Return on equity | 12.9% | 10.7% | 7th highest of 21 |
| Price / book | 1.43× | 1.18× | 7th most expensive of 21 |
| Trailing P/E | 11.4× | 11.0× | 11th cheapest of 21 |
| ROE the price implies | 9.8% | 8.8% | 10th most demanding of 21 |
| ROE delivered | 12.9% | 10.7% | 7th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |