Community Trust Bancorp, Inc. (CTBI) Stock Score, Valuation & Financial Research
Community Trust Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 57/100.
Quick answer for CTBI
Community Trust Bancorp, Inc. currently has a Wall Street Score of 57/100. The stored market price is $76.17. Its financial score is 35/100. Its valuation score is 97/100. The latest WSS change is +0.4 points. These figures are a research snapshot, not a buy or sell recommendation.
What Community Trust Bancorp, Inc. does
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 managemen
CTBI financial snapshot
- Wall Street Score:
- 57/100
- Current price:
- $76.17
- Market capitalization:
- $1.38B
- Revenue:
- $422.6M
- Net income:
- $108.0M
- Free cash flow:
- $97.4M
- Cash:
- $63.8M
- Total debt:
- $377.5M
- EPS:
- 5.99
- P/E ratio:
- 12.7x
- Financial score:
- 35/100
- Valuation score:
- 97/100
- Revenue score:
- 34/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $97.4M, showing positive cash generation.
- The balance sheet shows $63.8M of cash versus $377.5M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.4 points: CTBI increased 0.4 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 35/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CTBI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.