CTBI
Community Trust Bancorp, Inc.Financial Services·Banks - Regional
$66.86
$1.2B market cap
Revenue
$209.3M
Free Cash Flow
$46.4M
Rev Growth
+0.0%
FCF Margin
22.1%
P/FCF
26.2x
EV/FCF
22.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving li
2-Year Price History
$66.70+71.4%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 103.2 | 35.4 | 35.4 | 27.2 | 39.5 | 37.9 | -1.6 | 536.4 | 379.2 | 18.1 | 16.3% | 1.2x | -- |
| Act | 2025-Q4 | 106.1 | 36.9 | 35.4 | 27.3 | 14.9 | 8.4 | -6.5 | 365.8 | 389.8 | 18.1 | 16.3% | 1.2x | -- |
Valuation & Metrics
Market Stats
Price$66.86
Market Cap$1.2B
Enterprise Value$1.1B
P/S Ratio5.8x
P/FCF26.2x
EV/FCF22.8x
FCF Margin (TTM)22.1%
FCF Yield3.8%
Dividend Yield (TTM)3.2%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$209.3M
Net Income$54.5M
Free Cash Flow$46.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin34.5%
Net Margin26.0%
FCF Margin22.1%
CapEx % of Revenue3.9%
SBC % of Revenue0.4%
ROIC16.3%
WC Change % Rev2298.0%
Interest Coverage1.2x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover2.4
Change (vs Prior)+14.5%
Need at least 2 settlement dates for chart
Employees
Headcount939
Revenue / Employee$222,901
Gross Profit / Employee$156,129
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
35.1%(+8.8% YoY)
165 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
24.9%(+4.0% YoY)
11 filers
Vanguard, iShares, SPDR
Market makers
0.3%(+0.1% YoY)
6 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| COMMUNITY TRUST & INVESTMENT CO | $127M | $43.45 | +$7.4M | +$10.1M | +0.9% | $1.84B |
| BlackRock, Inc.Passive | $98.8M | $47.45 | −$556K | −$2.1M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $71.7M | $39.58 | −$93K | −$627K | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $42.0M | $60.72 | +$42.0M | +$42.0M | — | $4.04T |
| AMERICAN CENTURY COMPANIES INC | $31.5M | $45.48 | +$2.5M | +$8.2M | +0.7% | $193.48B |
| STATE STREET CORPPassive | $30.4M | $41.73 | +$1.3M | +$1.0M | -0.2% | $2.89T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $26.3M | $43.56 | +$807K | +$2.3M | +2.3% | $1.61T |
| NORTHERN TRUST CORPPassive | $17.4M | $44.85 | +$114K | −$6.0M | -0.2% | $755.34B |
| GOLDMAN SACHS GROUP INC | $17.3M | $50.51 | +$4.4M | +$10.3M | -0.2% | $760.93B |
| LONE PEAK GLOBAL INVESTORS LLC | $17.2M | $38.08 | +$170K | +$545K | -1.3% | $600M |
| LSV ASSET MANAGEMENT | $16.4M | $38.25 | −$631K | +$1.4M | +0.0% | $46.40B |
| JANUS HENDERSON GROUP PLC | $11.7M | $57.68 | +$6.2M | +$11.3M | +1.2% | $209.29B |
| HEARTLAND ADVISORS INC | $10.3M | $39.88 | +$20K | +$20K | -0.4% | $1.96B |
| UBS Group AG | $9.2M | $50.24 | +$3.2M | +$4.9M | -0.3% | $562.11B |
| TWO SIGMA INVESTMENTS, LP | $9.0M | $53.90 | +$5.3M | +$5.9M | -0.9% | $117.03B |
| FMR LLC | $8.9M | $53.51 | +$410K | +$1.5M | -0.0% | $1.89T |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $8.8M | $60.72 | +$8.8M | +$8.8M | — | $1.91T |
| RENAISSANCE TECHNOLOGIES LLC | $8.1M | $44.90 | −$1.3M | −$2.3M | +1.2% | $63.91B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $7.8M | $43.76 | +$282K | +$342K | -2.3% | $4.93B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $7.7M | $42.73 | −$135K | +$127K | +0.7% | $645.81B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.20%
avg per quarter
Holders (ex-self)
+0.20%
excl. this stock
Buyers (this Q)
+0.22%
82 buyers · $0.13B in
Sellers (this Q)
-0.12%
58 sellers · $-0.00B out
alpha coverage: 92% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-28.9%
how holders react when this stock falls
On quiet Qs
+0.2%
−10% to +10% baseline
On rallies (+10%+)
-12.2%
how they react when this stock rises
Holders' portfolio flow this Q
+3.3%
inflows — adds are organic
Sellers' portfolio flow this Q
-4.6%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-0.5%
Holder mid (any stock)
-0.7%
Holder rally (any stock)
-4.5%
Biggest decreases this quarter
JPMORGAN CHASE & CO−$2.3Mα-0.2Jefferies Financial Group Inc.exited−$1.6MWeiss Asset Management LPexited−$1.3MRENAISSANCE TECHNOLOGIES LLC−$1.3Mα+1.2MIRABELLA FINANCIAL SERVICES LLPexited−$860KPRUDENTIAL FINANCIAL INCexited−$683KLSV ASSET MANAGEMENT−$631Kα+0.0BlackRock, Inc.−$556Kα-0.2ExodusPoint Capital Management, LPexited−$537KVerition Fund Management LLCexited−$453K
New buyers this quarter
Top-5 holders · 50.5%
COMMUNITY TRUST & INVESTMENT CO--
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
AMERICAN CENTURY COMPANIES INC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
COMMUNITY TRUST & INVESTMENT CO2.1MAMERICAN CENTURY COMPANIES INC520KGOLDMAN SACHS GROUP INC285KLONE PEAK GLOBAL INVESTORS LLC283KLSV ASSET MANAGEMENT270KFMR LLC147KJPMORGAN CHASE & CO110KAMERIPRISE FINANCIAL INC25KJANUS HENDERSON GROUP PLC192KHEARTLAND ADVISORS INC169K
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$61.00-880.0%
Current Price$66.86
Analyst Ratings
2
3
1
Buy: 2Hold: 3Sell: 1Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$107K
2 txns · 2 insiders · 2,084 sh
Sells ($, 12mo)
$52K
1 txn · 1 insider · 918 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-13 | BUY | SPARKMAN RICKY D | officer: Executive Vice President | 84 | $58.50 | $5K | $5K |
| 2025-08-18 | SELL | Waters Andy D | officer: Executive Vice President | 918 | $56.18 | $52K | $36K |
| 2025-06-02 | BUY | MINNIFIELD FRANKY | director | 2,000 | $51.01 | $102K | $872K |
Order Flow (FINRA, ~3w lag)
7.4%retail-3.4pp
21.5%dark+0.1pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Community Trust Bancorp Inc: Resilient Regionalism Facing Sector Concentration and Market Volatility
Overall Risk
3/10
Fraud
2/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
4/10
Hidden Liabilities
2/10
Legal
3/10
Audit Warnings
1/10
Hidden Upside
4/10
Contextually Acceptable
9/10