CTBI vs CZFS
CTBI: A $6.7B regional bank holding company providing commercial, personal, and trust services to small and mid-sized communities across Kentucky, West Virginia, and Tennessee. CZFS: A community-focused bank holding company serving Pennsylvania, New York, and Delaware through a network of full-service banking and trust offices.
Side-by-side fundamentals
| Metric | CTBI | CZFS | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $78.45 | $77.52 | |
| Market cap as of 2026-08-03 | $1.4B | $372M | |
| P/E as of 2026-08-03 | 13.13 | 9.46 | CZFS lower |
| PEG as of 2026-08-03 | 0.74 | 0.30 | CZFS lower |
| Net margin as of 2026-08-03 | +35.4% | +20.6% | CTBI higher |
| Operating margin as of 2026-08-03 | +43.9% | +25.0% | CTBI higher |
| ROE as of 2026-08-03 | +12.5% | +11.9% | CTBI higher |
| ROA as of 2026-08-03 | +1.6% | +1.3% | CTBI higher |
| Debt / equity as of 2026-08-03 | 0.41 | 0.58 | CTBI lower |
| Revenue growth (YoY) as of 2026-08-03 | +21.3% | +45.7% | CZFS higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +4.8% | |
| Dividend yield as of 2026-08-03 | +3.3% | +2.6% | CTBI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-08-03 | 0.72 | 0.91 | |
| 1-year return as of 2026-07-31 close | +45.3% | +44.4% | CTBI higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.