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Community Trust Bancorp, Inc. (CTBI)

Financial Services | Banks - Regional | Pikeville, United States | NasdaqGS
74.08 USD -0.55 (-0.737%) ⇩ (Oct. 13, 2026, 4 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 4:39 a.m. EDT

Community Trust Bancorp presents a compelling value case for income investors, anchored by a robust 3.45% dividend yield and a conservative payout ratio of roughly 35%. The business fundamentals are sound, evidenced by double-digit earnings growth, healthy operating margins, and a return on equity near 13%, all while trading at a discount to book value. However, the stock faces a significant headwind from a deteriorating loan portfolio, with headlines citing rising non-performing loans that threaten future asset quality. While the multi-year price trajectory remains positive, the recent earnings beat was insufficient to fully offset these credit concerns in the eyes of the market. The low analyst coverage and muted options activity suggest the stock is currently overlooked, creating a divergence between its intrinsic value and its depressed price. This setup supports a moderate bullish stance for the medium term, driven by yield and value, but warrants caution regarding the credit cycle.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.028915
AutoARIMA0.031796
AutoETS0.032517
MSTL0.040016

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 63%
H-stat 1.66
Ljung-Box p 0.000
Jarque-Bera p 0.381
Excess Kurtosis -0.97
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-09-14
Revenue per Share 15.913
Market Cap 1,345,882,112
Trailing P/E 12.41
Forward P/E 11.40
Beta 0.56
Profit Margins 37.62%
Website https://www.ctbi.com

As of Oct. 10, 2026, 4:39 a.m. EDT: Speculator positioning is sparse and mixed. Call volume is negligible across most expirations, with open interest concentrated at the $80 strike for the December expiration, suggesting a modest bullish bias or resistance play. Put activity is similarly thin, dominated by deep out-of-the-money strikes ($35) for December, indicating limited hedging demand. Implied volatility is elevated relative to the low trading volume, reflecting uncertainty rather than active positioning.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.92% 3.47% 3.81% 3.98%
Dividend History
Date Dividend Yield %
2026-09-15 0.710000 0.917787
2026-06-15 0.530000 0.770125
2026-03-13 0.530000 0.904128
2025-12-15 0.530000 0.881864
2025-09-15 0.530000 0.939383
2025-06-13 0.470000 0.929773
2025-03-14 0.470000 0.916179
2024-12-13 0.470000 0.813289
2024-09-13 0.470000 0.967078
2024-06-14 0.460000 1.132726
2024-03-14 0.460000 1.181001
2023-12-14 0.460000 1.062110
2023-09-14 0.460000 1.287073
2023-06-14 0.440000 1.154856
2023-03-14 0.440000 1.123596
2022-12-14 0.440000 0.952587
2022-09-14 0.440000 1.052128
2022-06-14 0.400000 1.009082
2022-03-14 0.400000 0.950570
2021-12-14 0.400000 0.931532
2021-09-14 0.400000 1.014971
2021-06-14 0.385000 0.909520
2021-03-12 0.385000 0.815851
2020-12-14 0.385000 1.044493
2020-09-14 0.385000 1.271047
2020-06-12 0.380000 1.187871
2020-03-12 0.380000 1.292517
2019-12-12 0.380000 0.824832
2019-09-12 0.380000 0.897921
2019-06-13 0.360000 0.888889
2019-03-14 0.360000 0.872304
2018-12-13 0.360000 0.874636
2018-09-13 0.360000 0.768410
2018-06-14 0.330000 0.656716
2018-03-14 0.330000 0.710441
2017-12-14 0.330000 0.698413
2017-09-14 0.330000 0.779221
2017-06-13 0.320000 0.722348
2017-03-13 0.320000 0.704846
2016-12-13 0.320000 0.726447
2016-09-13 0.320000 0.886672
2016-06-13 0.310000 0.868591
2016-03-11 0.310000 0.886221
2015-12-11 0.310000 0.905638
2015-09-11 0.310000 0.883443
2015-06-11 0.300000 0.879765
2015-03-11 0.300000 0.922509
2014-12-11 0.300000 0.832639
2014-09-11 0.300000 0.846740
2014-06-11 0.290000 0.821065
2014-03-12 0.290909 0.775569
2013-12-11 0.290909 0.741427
2013-09-11 0.290909 0.841883
2013-06-12 0.286364 0.899744
2013-03-13 0.286364 0.922402
2012-12-12 0.286364 0.991815
2012-09-12 0.286364 0.914104
2012-06-13 0.281818 0.949754
2012-03-13 0.281818 1.000645
2011-12-13 0.281818 1.102810
2011-09-13 0.281818 1.274670
2011-06-13 0.277273 1.164568
2011-03-11 0.277273 1.103874
2010-12-13 0.277273 1.064945
2010-09-13 0.277273 1.137636
2010-06-11 0.272727 1.121914
2010-03-11 0.272727 1.111110
2009-12-11 0.272727 1.291432
2009-09-11 0.272727 1.171874
2009-06-11 0.272727 1.092497
2009-03-19 0.272727 1.053370
2008-12-11 0.272727 1.077972
2008-09-11 0.263636 0.829756
2008-06-11 0.263636 0.992809
2008-03-13 0.263636 1.022926
2007-12-12 0.263636 1.057621
2007-09-12 0.245455 0.901805
2007-06-13 0.245455 0.805972
2007-03-13 0.245455 0.792953
2006-12-13 0.245455 0.676693
2006-09-13 0.236364 0.681521
2006-06-13 0.236364 0.774041
2006-03-13 0.236364 0.828027
2005-12-13 0.236364 0.774502
2005-09-13 0.218182 0.735971
2005-06-13 0.218182 0.751880
2005-03-11 0.218182 0.818555
2004-12-13 0.218182 0.725295
2004-09-13 0.190083 0.734826
2004-06-14 0.190083 0.790108
2004-03-11 0.190083 0.819966
2003-12-11 0.190083 0.713180
2003-09-11 0.172802 0.743132
2003-06-11 0.157776 0.748663
2003-03-12 0.157776 0.815533
2002-12-11 0.157776 0.786516
2002-09-11 0.143433 0.765586
2002-06-12 0.143433 0.831684
2002-03-13 0.143433 0.828077
2001-12-12 0.143433 0.939598
2001-09-17 0.136603 0.930235
2001-09-10 0.181820 1.179453
2001-06-13 0.136603 0.977519
2001-03-13 0.136603 1.240313
2000-12-13 0.136603 1.403512
2000-09-13 0.129773 1.216004
2000-06-28 0.129773 1.277315
2000-06-13 0.129773 1.271971
2000-03-13 0.124184 1.142855
1999-12-13 0.124184 0.975608
1999-09-13 0.124184 0.949553
1999-06-11 0.117975 0.888889
1999-03-11 0.118540 0.923081
1998-12-11 0.118540 0.875004
1998-09-11 0.112895 0.792081
1998-08-03 0.112895 0.756503
1998-03-11 0.112895 0.669457
1997-12-11 0.112895 0.645163
1997-09-11 0.102734 0.713724
1997-06-11 0.102734 0.727998
1997-03-12 0.102734 0.713724
1996-12-11 0.102632 0.851067
1996-09-11 0.092368 0.867466
1996-06-12 0.092368 0.799996
1996-03-13 0.092368 0.878044
1995-12-13 0.092368 0.872723
1995-09-13 0.082105 0.780485
1995-06-13 0.082105 0.752938
1995-03-09 0.082105 0.711109
1994-09-09 0.076974 0.576925
1994-06-09 0.076974 0.517243
1994-03-09 0.076974 0.468752
1993-12-09 0.076974 0.555558
1993-09-09 0.068421 0.579709
1993-06-09 0.068421 0.606060
1993-03-09 0.068421 0.615384
1992-12-09 0.068421 0.701754
1992-09-09 0.065000 0.716981
1992-06-09 0.065000 0.883721
1992-03-09 0.065000 1.065420
1991-12-16 0.065000 1.187499
1991-09-04 0.061579 1.173914
1990-09-14 0.057018 0.925933
1990-06-14 0.057018 0.925933
1990-03-14 0.057018 0.925933
1989-12-14 0.057018 0.925933
1989-09-14 0.052456 0.884613
1989-06-14 0.052456 0.884613
1989-03-17 0.052456 0.884613
1988-12-14 0.052456 0.901958
1988-09-14 0.047895 0.840004
1988-06-15 0.047895 0.823534
1988-03-25 0.047895 0.792457
Additional Data
dividendYield 3.51
exDividendDate 2026-09-15
trailingAnnualDividendRate 2.12
trailingAnnualDividendYield 0.028406806
lastDividendValue 0.71
lastDividendDate 2026-09-15
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.392743
Address1 346 North Mayo Trail
Address2 PO Box 2947
All Time High 79.92
All Time Low 5.017546
Ask 95.29
Ask Size 2
Audit Risk 3
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 144,200
Average Daily Volume3 Month 116,490
Average Volume 116,490
Average Volume10Days 144,200
Beta 0.564
Bid 53.36
Bid Size 2
Board Risk 5
Book Value 49.099
City Pikeville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 74.08
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 75.96
Day Low 73.69
Display Name Community Trust Bancorp
Dividend Date 1,790,812,800
Dividend Yield 3.51
Earnings Growth 0.188
Earnings Quarterly Growth 0.19
Earnings Timestamp 1,792,585,800
Earnings Timestamp End 1,792,585,800
Earnings Timestamp Start 1,792,585,800
Ebitda Margins 0.0
Enterprise To Revenue 5.725
Enterprise Value 1,643,232,000
Eps Current Year 6.38
Eps Forward 6.5
Eps Trailing Twelve Months 5.97
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 76.527
Fifty Day Average Change -2.4469986
Fifty Day Average Change Percent -0.031975623
Fifty Two Week Change Percent 39.2743
Fifty Two Week High 79.92
Fifty Two Week High Change -5.8399963
Fifty Two Week High Change Percent -0.07307303
Fifty Two Week Low 50.25
Fifty Two Week Low Change 23.830002
Fifty Two Week Low Change Percent 0.4742289
Fifty Two Week Range 50.25 - 79.92
Financial Currency USD
First Trade Date Milliseconds 567,786,600,000
Five Year Avg Dividend Yield 3.72
Float Shares 16,694,896
Forward Eps 6.5
Forward P E 11.396923
Full Exchange Name NasdaqGS
Full Time Employees 970
Fullday Change -0.5499954
Fullday Change Percent -0.7369629
Fullday Price 74.08
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 287,048,000
Has Pre Post Market Data 1
Held Percent Insiders 0.013459999
Held Percent Institutions 0.63141
Implied Shares Outstanding 18,167,954
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.snl.com/irweblinkx/stockinfo.aspx?iid=100405
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,789,430,400
Last Dividend Value 0.71
Last Fiscal Year End 1,767,139,200
Last Split Date 1,399,939,200
Last Split Factor 11:10
Long Business Summary Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
Long Name Community Trust Bancorp, Inc.
Market us_market
Market Cap 1,345,882,112
Market State PRE
Max Age 86,400
Message Board Id finmb_296863
Most Recent Quarter 1,782,777,600
Net Income To Common 108,002,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,350,787,379
Number Of Analyst Opinions 3
Open 75.1
Operating Cashflow 136,048,000
Operating Margins 0.52091
Overall Risk 4
Payout Ratio 0.35509998
Peg Ratio 1.03
Phone 606 432 1414
Previous Close 74.63
Price Eps Current Year 11.611285
Price Hint 2
Price To Book 1.5087885
Price To Sales Trailing12 Months 4.6887007
Profit Margins 0.37625
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -0.549995
Regular Market Change Percent -0.736963
Regular Market Day High 75.96
Regular Market Day Low 73.69
Regular Market Day Range 73.69 - 75.96
Regular Market Open 75.1
Regular Market Previous Close 74.63
Regular Market Price 74.08
Regular Market Time 1,791,921,601
Regular Market Volume 93,665
Return On Assets 0.016139999
Return On Equity 0.12716
Revenue Growth 0.112
Revenue Per Share 15.913
Sand P52 Week Change 0.17004645
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 18,167,954
Shares Percent Shares Out 0.0348
Shares Short 631,487
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 538,014
Short Name Community Trust Bancorp, Inc.
Short Percent Of Float 0.0402
Short Ratio 5.59
Source Interval 15
State KY
Symbol CTBI
Target High Price 82.0
Target Low Price 81.0
Target Mean Price 81.33333
Target Median Price 81.0
Total Cash 80,192,000
Total Cash Per Share 4.414
Total Debt 377,542,016
Total Revenue 287,048,000
Tradeable 0
Trailing Annual Dividend Rate 2.12
Trailing Annual Dividend Yield 0.028406806
Trailing Eps 5.97
Trailing P E 12.408711
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 68.071
Two Hundred Day Average Change 6.0090027
Two Hundred Day Average Change Percent 0.088275515
Type Disp Equity
Volume 93,665
Website https://www.ctbi.com
Zip 41,502