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COMMUNITY TRUST BANCORP INC (CTBI)

Financials · regional banking · NASDAQ

A regional bank holding company providing commercial and personal banking, trust, and wealth management services across Kentucky, West Virginia, and Tennessee.

What COMMUNITY TRUST BANCORP INC does

Community Trust Bancorp, Inc. is a bank holding company that operates through its subsidiaries, Community Trust Bank, Inc. and Community Trust and Investment Company. The company provides a wide range of commercial and personal banking services, including deposit taking, various types of lending (commercial, construction, mortgage, personal), and asset-based financing. Additionally, it offers trust and wealth management, brokerage, and insurance services across Kentucky, West Virginia, and Tennessee.

Themes: banking, wealth management, lending

Fundamentals

  • Price$75.39 as of 2026-10-08 close
  • Market cap$1.4B as of 2026-07-31 (share count; price 2026-10-08)
  • 1-year return+35.7% 2025-10-08 close $55.54 → 2026-10-08 close $75.39
  • P/E12.62 as of 2026-10-08
  • ROE+11.5% FY2025, SEC XBRL
  • Debt / equity0.41 as of 2026-09-03
  • Revenue growth (YoY)+21.3% as of 2026-09-03
  • Beta0.69 as of 2026-09-03
  • Last reported earnings2026-07-15 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +3.7%; at least 14 years of non-decreasing per-share dividends (SEC XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer.

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How CTBI compares in its sector

  • price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
  • return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
  • indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, CTBI's dividend was covered by reported results (earnings payout 37%, free-cash-flow payout 37%). This describes past coverage, not a forecast.

  • Earnings payout37% dividends / net income
  • Free-cash-flow payout37% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How COMMUNITY TRUST BANCORP INC looks technically

COMMUNITY TRUST BANCORP INC (CTBI) is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 302 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago.

Trend

8
Distance from the 200-dayit is trading 11.4% above its 200-day average, the long-term trend line — a longer-term uptrend+11.4%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $76.78$76.78
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $67.69$67.69
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Wave structureits recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 72.83. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next.possible three-wave downward correction, complete (atypical proportions)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 302 trading days ago — a "golden cross", a bullish long-term signal302 sessions
Trend strength (14-day ADX)a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control25.1

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30)47.4
Position in its 14-day rangeit is trading in the upper half of its 14-day range ($72.83 to $76.90) — its "stochastic" reading is 63 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.62.9
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive)1 session

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $79.92$79.92
From the 52-week highit is 5.7% below its 52-week high (its highest price of the past year)-5.7%
Above the 52-week lowit is 50.0% above its 52-week low (its lowest price of the past year)+50.0%
Below the 52-week highit is 5.7% below its highest point of the past year5.7%
Since a 20-day breakoutit made a new 20-day low about 7 trading days ago7 sessions
Since a 55-day breakoutit made a new 55-day high about 47 trading days ago47 sessions
All-time highits highest closing price on record is $79.92 (set on 2026-08-04)$79.92
Given back of the 52-week moveover the past year its closes ranged ($51.02 to $79.46), and it has given back only a small part of its rise from last year’s low — 14% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $60.97 to $61.88. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.14.3%
From the all-time highit is 5.7% below its all-time high-5.7%
Nearest price levelit is trading 1.1% above a support level at $74.57 — a price it turned at twice since 2026-07-02, most recently on 2026-08-27. Since 2024-10-08 it has 13 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-1.1%
All-time lowits lowest closing price on record is $20.14 (set on 2010-01-06)$20.14
Above the all-time lowit is 274.4% above its all-time low+274.4%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 72% of it)28th percentile
Typical daily rangein a typical session it travels about $1.52 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$1.52
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $73.71 and $77.74 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$73.71 – $75.72 – $77.74
Typical daily range (% of price)its price moves about 2.0% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price2.0%
Stretch from the 200-day averageit is trading 5.1 daily ranges above its 200-day average price (11.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale5.1 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.11×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

3
Since a doji2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level2 sessions ago
Since a bullish engulfing5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it5 sessions ago
Since a bearish engulfing8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it8 sessions ago

Price gaps

1
Gap at the openit opened on 2026-10-08 1.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close-1.4%

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 3.2 percentage points (the stock lost 2.2% while the market gained 1.0%)-3.2%
vs market, 3 monthsover the past 3 months this stock beat the market by 2.4 percentage points (the stock gained 6.3% while the market gained 3.8%)+2.5%
vs market, 6 monthsover the past 6 months this stock beat the market by 3.1 percentage points (the stock gained 20.6% while the market gained 17.5%)+3.1%
vs market, 12 monthsover the past 12 months this stock beat the market by 20.8 percentage points (the stock gained 35.7% while the market gained 15.0%)+20.8%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals1 of the 9 technical signals we can compute for it is currently in a bearish state: a strong downtrend, with sellers in control — these describe past price behaviour, not a forecast1 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.6% of the share price.0.0%

Volume-weighted price

2
Vs this year’s average price paidthe price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $69.27 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP.+8.8%
Vs the average paid since it last reportedthe price is 1% below the average price paid since it last reported on 2026-07-15 (its 8-K), so the typical buyer over that stretch is under water. That average is $76.42 — a volume-weighted average of daily closes over 61 sessions, not a true tick-by-tick VWAP.-1.4%

Price levels it has turned at before

CTBI last closed at $75.39 on 2026-10-08. Since 2024-10-08 it has turned at 13 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.

LevelSideDistanceEvidence
$74.57Support1.1% below the last closeturned there twice · 2026-07-02 to 2026-08-27
$72.86Support3.4% below the last closeturned there twice · 2026-07-23 to 2026-10-01
$79.07Resistance4.9% above the last closeturned there four times · 2026-07-16 to 2026-09-11
$70.94Support5.9% below the last closeturned there twice · 2026-06-12 to 2026-07-08

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.

This labelling fails — stops being a possible reading at all — if it closes below $72.83.

It is the only labelling that fits these swings, though its proportions are not the textbook ones.

This reading has stood for 15 trading days, since 2026-09-18.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$81.33 range $81.00 – $82.00; median $81.00

Analyst estimates, as of 2026-10-08. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for CTBI

  • Consensus EPS estimate$1.65 next reporting period, as of 2026-10-08
  • Estimate change, 30 days$0.00 (0.0%) from $1.65, on 2026-09-03, 35-day window
  • Readings revised upward0% of 8 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Credit risk associated with loan portfolio performance","Fluctuations in interest rates affecting net interest margin"]

See CTBI's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of CTBI's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (2026-08-07) reports 'record earnings for the second quarter 2026' language, while older filing (2026-05-08) does not contain this phrase.
    • Newer filing includes six months ended June 30, 2026 Income Statement Review table with six-month data (net interest income $119,671 thousand, provision $5,082 thousand, noninterest income $33,013 thousand, noninterest expense $73,907 thousand, income taxes $16,880 thousand, net income $56,814 thousand) not present in older filing.
    • Newer filing contains a new Quarterly Highlights section covering second quarter 2026, including net interest income of $60.9 million, provision for credit losses of $2.8 million, noninterest income of $17.6 million, noninterest expense of $37.4 million, loan portfolio at $5.1 billion, net loan charge-offs of $0.9 million, nonperforming loans at $29.7 million, deposits at $6.0 billion, and shareholders' equity at $891.8 million.
    • Newer filing includes a Consolidated Average Balance Sheets table for the three months ended June 30, 2026 and June 30, 2025.
    • Newer filing includes six-month earnings of $56.8 million, or $3.15 per basic share, compared to $46.9 million, or $2.60 per basic share, for the same period prior year.
  • Removed:
    • Older filing (2026-05-08) contains an Income Statement Review table for the three months ended March 31, 2026 and 2025 (net interest income $58,782 thousand, provision $2,311 thousand, noninterest income $15,414 thousand, noninterest expense $36,537 thousand, income taxes $8,156 thousand, net income $27,192 thousand) not present in newer filing.
    • Older filing contains a Quarterly Highlights section covering first quarter 2026, including net interest income of $58.8 million, provision for credit losses of $2.3 million, noninterest income of $15.4 million, noninterest expense of $36.5 million, loan portfolio at $5.0 billion, net loan charge-offs of $1.3 million, nonperforming loans at $20.7 million, deposits at $5.7 billion, and shareholders' equity at $871.2 million.
    • Older filing contains a Consolidated Average Balance Sheets table for the three months ended March 31, 2026 and March 31, 2025.
  • Reworded:
    • Newer filing (2026-08-07) updates balance sheet data in 'Our Business' to June 30, 2026 dates (total consolidated assets of $7.0 billion, total consolidated deposits of $6.0 billion, total shareholders' equity of $891.8 million) from older filing's March 31, 2026 figures (total consolidated assets of $6.7 billion, total consolidated deposits of $5.7 billion, total shareholders' equity of $871.2 million); trust assets under management remain $4.3 billion in both filings.
    • Older filing (2026-05-08) 'Results of Operations and Financial Condition' compares first quarter 2026 earnings to fourth quarter 2025 and first quarter 2025; newer filing compares second quarter 2026 earnings to first quarter 2026 and second quarter 2025.
    • Older filing states first-quarter net interest income increased $0.7 million from prior quarter and $7.5 million from prior year same quarter with margin up 12 basis points from prior quarter and 22 basis points from prior year; newer filing states second-quarter net interest income increased $2.1 million from prior quarter and $6.8 million from prior year same quarter with margin up 1 basis point from prior quarter and 16 basis points from prior year same quarter.
    • Older filing reports provision for credit losses decreased $0.6 million from prior quarter and $1.3 million from prior year same quarter; newer filing reports provision increased $0.5 million from prior quarter and $0.7 million from prior year same quarter.
    • Older filing reports noninterest income decreased $1.2 million from prior quarter but increased $0.5 million from prior year same quarter; newer filing reports noninterest income increased $2.2 million from prior quarter and $1.4 million from prior year same quarter.
    • Older filing reports noninterest expense increased $0.1 million from prior quarter and $2.3 million from prior year same quarter; newer filing reports noninterest expense increased $0.8 million from prior quarter and $1.7 million from prior year same quarter.
    • Older filing reports loan portfolio at $5.0 billion increased $95.9 million for the quarter and $354.3 million from March 31, 2025; newer filing reports loan portfolio at $5.1 billion increased $134.1 million for the quarter and $230.0 million from December 31, 2025.
    • Older filing reports net loan charge-offs of $1.3 million (0.11% annualized) for the quarter compared to $1.8 million prior quarter and $1.6 million first quarter 2025; newer filing reports net loan charge-offs of $0.9 million (0.07% annualized) for the quarter compared to $1.3 million prior quarter and $1.4 million second quarter 2025.
    • Older filing reports nonperforming loans at $20.7 million increased $1.6 million for the quarter and decreased $5.8 million from March 31, 2025, and nonperforming assets at $24.1 million increased $1.9 million for the quarter and decreased $7.2 million from March 31, 2025; newer filing reports nonperforming loans at $29.7 million increased $9.0 million for the quarter and $10.6 million from December 31, 2025, and nonperforming assets at $33.3 million increased $9.2 million for the quarter and $11.0 million from December 31, 2025.
    • Older filing reports deposits at $5.7 billion increased $35.1 million for the quarter and $375.1 million from March 31, 2025; newer filing reports deposits at $6.0 billion increased $221.9 million for the quarter and $257.0 million from December 31, 2025.
    • Older filing reports shareholders' equity at $871.2 million increased $15.2 million for the quarter and $87.1 million from March 31, 2025; newer filing reports shareholders' equity at $891.8 million increased $20.6 million for the quarter and $35.8 million from December 31, 2025.
  • Notes:
    • The newer filing's Consolidated Average Balance Sheets table is truncated, ending with 'Finance lease liabil' and does not display the full balance of the interest bearing liabilities and noninterest bearing liabilities sections.
    • Comparison is limited to the text provided; the newer filing excerpt covers only the first portion of the MD&A and may omit additional sections present in the complete filing.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 90 days · read to 2026-10-040 buys · 1 sell ($307532) — 1 selling insider
  • Last 180 days · read to 2026-10-040 buys · 1 sell ($307532) — 1 selling insider

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-14. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding CTBI as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 2,673,002
  • Reported value $193,689,745

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

CTBI had 613,523 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

CTBI had 3.38% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.5 days to cover at the same settlement.

  • Reported short interest (shares) 613,523
  • Short interest (% of shares outstanding) 3.38%
  • Prior settlement (shares) 538,014
  • Reported change 14.03%
  • Days to cover (reported) 7.5

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Frequently asked questions

What does COMMUNITY TRUST BANCORP INC (CTBI) do?

Community Trust Bancorp, Inc. is a bank holding company that operates through its subsidiaries, Community Trust Bank, Inc. and Community Trust and Investment Company. The company provides a wide range of commercial and personal banking services, including deposit taking, various types of lending (commercial, construction, mortgage, personal), and asset-based financing.

What sector is COMMUNITY TRUST BANCORP INC (CTBI) in?

COMMUNITY TRUST BANCORP INC (CTBI) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.

Does CTBI pay a dividend?

Yes — COMMUNITY TRUST BANCORP INC (CTBI) pays a dividend, with an indicated yield of about 3.74% and at least 14 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.

Is COMMUNITY TRUST BANCORP INC (CTBI) overbought or oversold right now?

COMMUNITY TRUST BANCORP INC (CTBI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on CTBI come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.