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Community Bancorp
(NASDAQ:CTBI)
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Rating:76Outperform
Price Target:
$89.00
▲(16.77% Upside)
Action:Reiterated
Date:08/07/26
CTBI’s score is driven primarily by solid financial performance (profitability, controlled leverage, and steady equity build) and supportive technical strength (price above key moving averages with positive MACD). Valuation is reasonable with a mid-teens P/E and ~2.7% yield, and the dividend increase/special payout adds a positive corporate catalyst. The main restraint is evidence of margin compression and some cash-flow variability.
Positive Factors
Strong free cash flow
Sustained and improving free cash flow close to reported earnings (~0.90x) underpins durable earnings quality, funds organic loan growth, dividends and reserves, and reduces reliance on external funding. That cash conversion supports capital flexibility over the medium term.
Negative Factors
Margin compression versus prior years
A sustained decline in net margin from prior years suggests structural pressure on profitability, potentially from higher funding costs or compressed loan yields. Over months this reduces internal capital generation and constrains ROE expansion unless margins stabilize or efficiency improves.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow
Sustained and improving free cash flow close to reported earnings (~0.90x) underpins durable earnings quality, funds organic loan growth, dividends and reserves, and reduces reliance on external funding. That cash conversion supports capital flexibility over the medium term.
Read all positive factors
Community Bancorp (CTBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.39B
Dividend Yield2.78%
Average Volume (3M)137.78K
Price to Earnings (P/E)12.7
Beta (1Y)0.68
Revenue Growth7.70%
EPS Growth17.67%
CountryUS
Employees930
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.99
Shares Outstanding18,167,953
10 Day Avg. Volume147,985
30 Day Avg. Volume137,775
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$81.50Price Target Upside6.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)6.14
Revenue Forecast (FY)$309.52M
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 banking subsidiary via (1) net interest income and (2) noninterest income. Net interest income is typically the largest revenue driver for a community bank and is earned from the spread between i...
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 | 144.36M | 131.34M | 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
Neutral
76.22
Price Trends
74.92
Positive
70.25
Positive
64.26
Positive
Market Momentum
0.36
Positive
47.29
Neutral
31.94
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTBI, the sentiment is Neutral. The current price of 76.22 is below the 20-day moving average (MA) of 77.82, above the 50-day MA of 74.92, and above the 200-day MA of 64.26, indicating a neutral trend. The MACD of 0.36 indicates Positive momentum. The RSI at 47.29 is Neutral, neither overbought nor oversold. The STOCH value of 31.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $1.39B | 12.72 | 12.52% | 2.78% | 7.70% | 17.67% | |
75 Outperform | $1.28B | 14.19 | 10.39% | 1.09% | 33.92% | -4.91% | |
74 Outperform | $1.42B | 11.89 | 9.85% | 4.09% | -0.29% | 12.86% | |
73 Outperform | $1.41B | 7.94 | 19.30% | 2.58% | -13.65% | 120.32% | |
72 Outperform | $1.77B | 24.16 | 3.53% | ― | 27.40% | -37.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.86B | 22.46 | 2.59% | 4.09% | 10.46% | -39.66% |
* Financial Sector Average
CTBI
Community Bancorp
76.22
19.60
34.62%
OCFC
Oceanfirst Financial
19.02
1.36
7.70%
OSBC
Old Second Bancorp
25.25
6.97
38.13%
PEBO
Peoples Bancorp
39.70
10.11
34.15%
TMP
Tompkins Financial Corporation
97.54
29.55
43.46%
FSUN
FirstSun Capital Bancorp
40.35
2.33
6.13%
Community Bancorp Corporate Events
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.