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Community Bancorp (CTBI) Stock Price & Analysis
CTBI Stock Chart & Stats
- Day’s Range
- $69.00 - $72.73
- 52-Week Range
- $51.38 - $79.92
- Previous Close
- $70.03
- Volume
- N/A
- Average Volume (3M)
- 143.59K
- Market Cap
- $1.25B
- Enterprise Value
- $1.72B
- Total Cash (Recent Filing)
- $59.17M
- Total Debt (Recent Filing)
- $431.11M
- Price to Earnings (P/E)
- 11.5
- Beta
- 0.65
- Next Earnings
- Jan 20, 2027 (Est.)
- EPS Estimate
- 1.62
- Next Dividend Ex-Date
- Dec 15, 2026
- Dividend Yield
- 3.28%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Growth
Sustained revenue expansion alongside strong earnings growth indicates that CTBI is continuing to broaden its banking activity and convert scale into profit. This supports recurring earnings power and provides a foundation for continued investment in lending, deposits, technology, and customer relationships.
Strong Capital And Balance Sheet
Steady equity accumulation and controlled leverage strengthen CTBI’s capacity to absorb credit stress while supporting asset growth. The combination of a larger capital base and consistently strong returns on equity gives the bank durable financial flexibility for lending and shareholder distributions.
Improving Free Cash Flow
Free cash flow that closely tracks reported earnings supports the quality and usefulness of CTBI’s profitability. Improving cash generation can fund growth, dividends, and balance-sheet needs internally, reducing reliance on external capital and enhancing resilience across the next several quarters.
Bears Say
Higher Credit Costs
The sharp increase in provision expense and net charge-offs signals greater pressure from credit performance, even though nonperforming measures improved. If elevated losses persist, they could reduce earnings, absorb capital that could support growth, and weaken the durability of recent profit gains.
Margin Compression
Lower margins indicate that CTBI is retaining less profit from each dollar of revenue than during earlier periods. Continued compression could limit earnings growth despite higher volume, particularly if funding costs or competitive lending conditions keep pressure on the bank’s spread.
Uneven Operating Cash Flow
Volatility in operating cash flow makes internal funding less predictable even though the latest TTM result improved. Uneven cash conversion can complicate capital planning and may reduce flexibility if weaker operating inflows coincide with higher credit costs or investment needs.
Community Bancorp News
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Community Bancorp Stock Smart Score
Company Description
Community Bancorp
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 retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Mark A. Gooch
- Employees
- 968
- Website
- www.ctbi.com
- Address
- 346 North Mayo Trail, Pikeville, KY, 41502, US
Community Bancorp (CTBI) Earnings & Revenues
CTBI Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 6 | 10 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 4 | 0 | 8 |










