Want to see CTBI full AI Analyst Report?
Top Page
Community Bancorp
(NASDAQ:CTBI)
Select Model
Select Model
Rating:68Neutral
Price Target:
$74.00
â–¼(-2.91% Downside)
Action:Downgraded
Date:10/22/26
CTBI’s score is driven primarily by solid financial performance (profitability, balance sheet strength, and improving free cash flow) and favorable valuation with a meaningful dividend yield. These positives are tempered by weak technical momentum (below key moving averages, negative MACD, oversold RSI) and corporate-event risk signals tied to rising credit costs despite otherwise constructive operating updates.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Community Bancorp (CTBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.28B
Dividend Yield3.26%
Average Volume (3M)139.33K
Price to Earnings (P/E)11.6
Beta (1Y)0.65
Revenue Growth7.84%
EPS Growth17.57%
CountryUS
Employees930
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.99
Shares Outstanding18,167,953
10 Day Avg. Volume146,451
30 Day Avg. Volume139,328
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)1.19
Price to Sales (P/S)2.49
P/FCF Ratio10.46
Enterprise Value/Market Cap1.34
Enterprise Value/Revenue4.06
Enterprise Value/Gross Profit5.92
Enterprise Value/Ebitda11.80
Forecast
1Y Price Target
$75.00Price Target Upside-1.60% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.38
Revenue Forecast (FY)$313.40M
Community Bancorp Business Overview & Revenue Model
Company Description
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 com...
How the Company Makes Money
Community Bancorp primarily makes money through its bank subsidiary by earning interest income and fee-based (noninterest) income. The largest revenue driver for most community banks is net interest income: the bank collects interest on loans and ...
Community Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 422.65M | 409.34M | 376.01M | 326.31M | 255.66M | 238.63M |
| Gross Profit | 289.96M | 273.07M | 237.61M | 223.96M | 222.11M | 229.93M |
| EBITDA | 145.48M | 132.84M | 111.69M | 103.92M | 106.26M | 115.68M |
| Net Income | 108.00M | 98.06M | 82.81M | 78.00M | 81.81M | 87.94M |
Balance Sheet | ||||||
| Total Assets | 6.99B | 6.68B | 6.19B | 5.77B | 5.38B | 5.42B |
| Cash, Cash Equivalents and Short-Term Investments | 205.70M | 365.78M | 1.43B | 1.44B | 1.39B | 1.77B |
| Total Debt | 377.54M | 389.79M | 320.19M | 306.71M | 291.75M | 342.81M |
| Total Liabilities | 6.10B | 5.83B | 5.44B | 5.07B | 4.75B | 4.72B |
| Stockholders Equity | 891.83M | 856.07M | 757.58M | 702.21M | 628.05M | 698.20M |
Cash Flow | ||||||
| Free Cash Flow | 125.77M | 97.39M | 97.09M | 79.41M | 93.47M | 113.32M |
| Operating Cash Flow | 136.05M | 104.99M | 105.17M | 85.73M | 99.68M | 115.69M |
| Investing Cash Flow | -510.92M | -463.22M | -335.67M | -226.60M | -280.01M | -358.62M |
| Financing Cash Flow | 459.50M | 352.41M | 328.61M | 283.58M | -2.75M | 216.45M |
Community Bancorp Technical Analysis
Negative
76.22
Price Trends
75.34
Negative
74.00
Negative
67.80
Positive
Market Momentum
-1.12
Positive
38.43
Neutral
32.39
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTBI, the sentiment is Negative. The current price of 76.22 is above the 20-day moving average (MA) of 74.15, above the 50-day MA of 75.34, and above the 200-day MA of 67.80, indicating a neutral trend. The MACD of -1.12 indicates Positive momentum. The RSI at 38.43 is Neutral, neither overbought nor oversold. The STOCH value of 32.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CTBI.
Community Bancorp Risk Analysis
Community Bancorp disclosed 14 risk factors in its most recent earnings report. Community Bancorp reported the most risks in the "Macro & Political" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $1.91B | 13.41 | 12.17% | 2.40% | 21.78% | 43.92% | |
74 Outperform | $2.43B | 15.54 | 13.56% | 1.65% | 9.30% | 15.23% | |
72 Outperform | $1.99B | 15.54 | 16.41% | 2.54% | 3.23% | 10.13% | |
68 Neutral | $1.28B | 11.58 | 12.58% | 3.26% | 7.84% | 17.57% | |
68 Neutral | $911.75M | 10.74 | 13.02% | 2.92% | 8.25% | 36.33% | |
68 Neutral | $1.37B | 11.14 | 10.02% | 4.35% | -0.40% | 18.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CTBI
Community Bancorp
70.50
19.84
39.16%
CHCO
City Holding Company
142.01
25.17
21.55%
THFF
First Financial Indiana
76.67
23.93
45.37%
GABC
German American Bancorp
50.84
12.74
33.45%
PEBO
Peoples Bancorp
38.20
10.06
35.77%
SYBT
Stock Yards Bancorp
78.32
12.03
18.15%
Community Bancorp Corporate Events
Business Operations and StrategyFinancial Disclosures
Community Bancorp Posts Higher Q3 2026 Earnings Growth
Positive
Oct 21, 2026
Community Trust Bancorp reported third-quarter 2026 net income of $25.9 million, or $1.43 per share, down from the prior quarter but above the year-earlier period, with total revenue up $1.2 million sequentially and $8.2 million year on year. For ...
Regulatory Filings and Compliance
Community Bancorp Issues Regulation FD Disclosure Update
Neutral
Sep 9, 2026
Community Bancorp reported information in a Form 8-K, noting that the contents of the filing and the accompanying exhibit are not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934. The company also clarified that this ...
DividendsRegulatory Filings and Compliance
Community Bancorp boosts quarterly dividend, special payout
Positive
Jul 29, 2026
On July 28, 2026, Community Trust Bancorp, Inc. announced that its board of directors approved a 22.6% increase in the quarterly cash dividend to $0.65 per share, with the higher dividend to be paid on October 1, 2026 to shareholders of record as ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.