Community Trust Bancorp, Inc. (CTBI) stock analysis

In our weekly check, Community Trust Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6.

About Community Trust Bancorp, Inc.

Community Trust Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CTBI.

What our checks show for CTBI

Red flags

• The net margin fell by 12.9 points over 5 years, to 24%: the company keeps less of each sale as profit.
• The gross margin fell by 29.6 points, to 66.7%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 5.7% a year.
• Recovering from its deepest fall took about 3.7 years.
• Return on capital (ROCE) is only 2.1%.

Warning signs

• A small company (market value $1.28 billion): usually riskier and followed by fewer analysts.
• The stock has fallen as much as 47% from a peak. Would you have held through that?
• Thinly traded (about 118 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect the net margin to improve by 11.4 points from today's 24%.
• Revenue grew 17% a year over the last 3 years.
• The company keeps 24% of its revenue as net profit.
• Free cash flow is 23.8% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 37% of profit: there is a cushion.
• The price is 11.6 times earnings (P/E), reasonable for its growth.

Next earnings report: 2027-01-20

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Questions

What grade does Community Trust Bancorp, Inc. (CTBI) have?

In our weekly check, Community Trust Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CTBI stock?

This week's biggest flags for Community Trust Bancorp, Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Community Trust Bancorp, Inc. do?

Community Trust Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CTBI.

When does Community Trust Bancorp, Inc. report earnings next?

The next earnings report is expected on 2027-01-20. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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