# Community Trust Bancorp Inc. (CTBI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $77.76, market value $1.4 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 9.3×, 3-yr avg 10.1×). Community Trust Bancorp Inc. trades at 13.0× trailing earnings, well above its own five-year average of 9.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.67**. A PEG of 0.67 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.2%** (5-yr avg 12.4%). Free cash flow equals 9.2% of the market value, below its five-year average of 12.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.7%**. The inverse of the P/E: 7.7% of the price is earned each year.

## Profitability
- **Return on equity: 11.5%**. 11.5% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 17.8%** (3-yr 5.8%/yr, 5-yr 10.1%/yr). Earnings per share rose 17.8%.
- **Free-cash-flow growth (3 yr): 1.4%/yr**. Free cash flow has compounded at 1.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $364 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.34%** ($2.12 per share, trailing). Community Trust Bancorp Inc. yields 3.34%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 37%** (29% of free cash flow). 37% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 23**. 23 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.5%/yr** (1-yr 7.5%). The dividend has grown 5.5% a year over five years.

## Price and momentum
- **Total return (1 yr): 36.8%** (YTD 39.9%, 3-mo 15.9%). The shares are up 36.8% over twelve months including dividends.
- **From 52-week high: -2.7%** (54.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.53** (volatility 25%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CTBI · Page: https://foliofundamentals.com/stocks/ctbi

Not investment advice.