Community Trust Bancorp, Inc.(CTBI)

$75.56—Stale · unknown old

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Community Trust Bancorp, Inc.(CTBI)

NASDAQ • Last print unknown ago

$75.56—Stale · unknown old

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CTBI(CTBI)

CTBI

9/26/26

Community Trust Bancorp (CTBI)

Saturday

2:46 AM

ThesisCommunity Trust Bancorp: the story is balanced — Net interest margin expansion or compression driven by Federal Reserve policy and deposit competition intensity

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$409M	$313M	$328M
Rev. Growth	+8.9%	-23.4%	+4.5%
EPS	$5.44	$6.38	$6.50
EPS Growth	+18.0%	+17.3%	+1.9%
P/E (fwd)	13.9×	11.8×	11.6×

★ Analysts see FY2027 revenue reaching $328M — +4.5% growth in a single year.

What Moves the Stock

01Net interest margin expansion or compression driven by Federal Reserve policy and deposit competition intensity
02Loan portfolio growth rates in commercial real estate and C&I lending, particularly in Kentucky economic development zones
03Credit quality metrics including non-performing asset ratios and provision expense relative to peer regional banks
04Deposit franchise stability and cost of deposits relative to regional competitors like First Financial Bancorp and S&T Bancorp
05Net interest income from commercial and consumer loan portfolios (estimated 75-80% of revenue)
06Wealth management and trust services fees (estimated 8-12% of revenue)
07Insurance agency commissions and deposit service charges (estimated 8-12% of revenue)

FY2025 Snapshot

Revenue: $409M
Rev. Growth: +8.9%
Gross Margin: 66.7%
Op. Margin: 31.0%
Net Margin: 24.0%
Net Income: $98M
NI Growth: +18.4%
EPS: $5.44
1Y Return: +39.4%

My Notes

value and dividend - The 1.4x price-to-book and 2.8x price-to-sales valuations suggest value orientation…
CTBI exhibits classic asset-sensitive bank characteristics where rising short-term rates expand net interest margins as loan yields reprice…
Watch on earnings: Federal Funds Rate and forward guidance from FOMC meetings affecting net interest margin trajectory, 10-year minus 2-year Treasury yield spread indicating yield curve steepness and bank profitability environment, Kentucky unemployment rate and regional economic indicators for loan demand and credit quality signals.

One Sentence Summary:

Community Trust Bancorp: the story is balanced — net interest margin expansion or compression driven by federal reserve policy and deposit competition intensity.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

13.9×

11.8×

11.6×

What Moves the Stock

01Net interest margin expansion or compression driven by Federal Reserve policy and deposit competition intensity

02Loan portfolio growth rates in commercial real estate and C&I lending, particularly in Kentucky economic development zones

03Credit quality metrics including non-performing asset ratios and provision expense relative to peer regional banks

04Deposit franchise stability and cost of deposits relative to regional competitors like First Financial Bancorp and S&T Bancorp

05Net interest income from commercial and consumer loan portfolios (estimated 75-80% of revenue)

06Wealth management and trust services fees (estimated 8-12% of revenue)

07Insurance agency commissions and deposit service charges (estimated 8-12% of revenue)

My Notes

value and dividend - The 1.4x price-to-book and 2.8x price-to-sales valuations suggest value orientation…

CTBI exhibits classic asset-sensitive bank characteristics where rising short-term rates expand net interest margins as loan yields reprice…

Watch on earnings: Federal Funds Rate and forward guidance from FOMC meetings affecting net interest margin trajectory, 10-year minus 2-year Treasury yield spread indicating yield curve steepness and bank profitability environment, Kentucky unemployment rate and regional economic indicators for loan demand and credit quality signals.

Community Trust Bancorp (CTBI)

Revenue Outlook

What Moves the Stock

CTBI Chart

My Notes

One Sentence Summary:

Explore More

Community Trust Bancorp (CTBI)

Revenue Outlook

What Moves the Stock

CTBI Chart

My Notes

One Sentence Summary: