profit from every $100 of sales.
$0$100
Community Trust Bancorp
$70.09+0.01% today
+29.2% in 1 year
1-year low $52.741-year high $79.46
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.99 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Community Trust Bancorp sold, what it kept, and what it did with the cash.
Sales went from $227 million in 2022 to $283 million in 2025, with $98.1 million of profit last year.
SalesProfit
Community Trust Bancorp handed back 37% of the cash it generated last year.
$36M
Free cash flow 2025$97M
Bought back its own shares–
Paid as dividends$36M
Cash vs. debt$364M vs. $80M
Community Trust Bancorp vs. similar companies
Community Trust Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Community Trust Bancorp | 13.0× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Community Trust Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 227 | 231 | 249 | 283 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 82 | 78 | 83 | 98 | |
| 4.58 | 4.36 | 4.61 | 5.43 | |
| – | – | – | – | |
| – | – | – | – | |
| 36.0% | 33.8% | 33.3% | 34.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 5,380 | 5,770 | 6,193 | 6,684 |
| Cash | 129 | 272 | 370 | 364 |
| Total debt | 76 | 81 | 80 | 80 |
| Total liabilities | 4,752 | 5,067 | 5,436 | 5,828 |
| 628 | 702 | 758 | 856 | |
| 18 | 18 | 18 | 18 | |
| – | – | – | – | |
| 13.0% | 11.1% | 10.9% | 11.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 100 | 86 | 105 | 105 | |
| 6 | 6 | 8 | 8 | |
| 93 | 80 | 97 | 97 | |
| Dividends paid | 30 | 32 | 33 | 36 |
| 0 | – | – | – | |
| 1 | 2 | 1 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.0×
- 11.5×
- 2.22
- 1.3×
- 4.5×
- 7.7%
- 3.2%
Profitability
- 34.7%
- 1.5%
- 8.1%
- 12.3%
- 1.5%
Growth
- +7.6%
- +5.8%
- +5.5%
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 36%of 827
Top 28%of 709
Top 44%of 876
Bottom 48%of 879
Top 40%of 926
What analysts expect
- Average price target
- $61.00
- Range
- $61.00 – $61.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 15, 2026 | 1.50 | 1.39 | +7.9% |
| Jan 21, 2026 | 1.51 | 1.43 | +5.6% |
| Oct 15, 2025 | 1.32 | 1.38 | −4.3% |
| Jul 16, 2025 | 1.38 | 1.27 | +8.7% |
| Apr 16, 2025 | 1.22 | 1.19 | +2.5% |
| Feb 28, 2025 | 1.25 | – | – |
| Oct 16, 2024 | 1.23 | 1.15 | +7.0% |
| Jul 17, 2024 | 1.09 | 1.03 | +5.8% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+5.5%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$1.22 in 2015 → $2.00 in 2025
How safe it looks
36.7% of its profit
Room to growStretchedMore than it earns: 36.9%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
69Pass
Philip Fisher
66Pass
Peter Lynch
40No pass
Joel Greenblatt
17No pass
Charlie Munger
55No pass
Terry Smith
51No pass
Questions about Community Trust Bancorp
Is Community Trust Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Community Trust Bancorp AI analysis
What does Community Trust Bancorp do?
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. It is in Banks - Regional.
Does Community Trust Bancorp pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 37% of its yearly profit. In 2025 it paid out $36.0 million in dividends.
Is Community Trust Bancorp stock halal?
No. Community Trust Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Community Trust Bancorp stock done over the past year?
Up 29.2% over the past twelve months, to $70.09. It traded between $52.74 and $79.46 and is 11.8% below its high.
Who are Community Trust Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Community Trust Bancorp's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.