CTBI

Community Trust Bancorp, Inc.

Financial Services · $1.4B market cap

Share price

$76.21

close of Oct 3, 2026

Fair value

$104.22

Sticker Price

Payback Price

$41.69

buy price

Undervalued

CTBI is Undervalued: at $76.21 it trades 27% below its fair value of $104.22. Its buy price (Payback Price) is $41.69, 45% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.7% a year✗

Equity per share growth5.5% a year✗

Sales growth2.1% a year✗

Free cash flow growth3.6% a year✗

Return on invested capital8.0%✗

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Insider activity

Since Jul 1, 2026: no open-market purchases, 1 sale worth $308K and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

MINNIFIELD FRANKY

director · 2026-08-14

Sold

$308K

Other filings

STUMBO KEVIN J

EVP, CFO, & Treasurer · 2026-07-17

G-Gift

$4K

STUMBO KEVIN J

EVP, CFO, & Treasurer · 2026-07-01

G-Gift

$4K

About Community Trust Bancorp, Inc.

Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual…

Banks - Regional