CTBI vs EFSI
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. EFSI: A regional Virginia bank holding company delivering retail and commercial banking with wealth management services across the Shenandoah Valley and Northern Virginia.
Side-by-side fundamentals
| Metric | CTBI | EFSI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $74.19 | $41.30 | |
| Market cap as of 2026-07-23 | $1.4B | $224M | |
| P/E as of 2026-07-23 | 12.64 | 14.57 | CTBI lower |
| PEG as of 2026-07-23 | 0.71 | 0.17 | EFSI lower |
| Net margin as of 2026-07-23 | +35.4% | +15.5% | CTBI higher |
| Operating margin as of 2026-07-23 | +43.9% | +18.6% | CTBI higher |
| ROE as of 2026-07-23 | +12.5% | +13.5% | EFSI higher |
| ROA as of 2026-07-23 | +1.6% | +0.8% | CTBI higher |
| Debt / equity as of 2026-07-23 | 0.41 | 0.25 | EFSI lower |
| Revenue growth (YoY) as of 2026-07-23 | +21.3% | +54.6% | EFSI higher |
| Dividend yield as of 2026-07-23 | +2.8% | +3.0% | EFSI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.57 | 0.21 | |
| 1-year return as of 2026-07-22 close | +32.2% | +23.1% | CTBI higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.