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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.88
CTBI's Cash to Debt is ranked lower than
51% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. CTBI: 1.88 )
Ranked among companies with meaningful Cash to Debt only.
CTBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.27  Med: 1.19 Max: 3.29
Current: 1.88
0.27
3.29
Equity to Asset 0.13
CTBI's Equity to Asset is ranked higher than
76% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CTBI: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CTBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.13
Current: 0.13
0.07
0.13
Interest Coverage 5.12
CTBI's Interest Coverage is ranked higher than
80% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CTBI: 5.12 )
Ranked among companies with meaningful Interest Coverage only.
CTBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.49  Med: 1.71 Max: 5.52
Current: 5.12
0.49
5.52
F-Score: 5
M-Score: -2.48
WACC vs ROIC
5.44%
11.43%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 37.06
CTBI's Operating margin (%) is ranked higher than
64% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. CTBI: 37.06 )
Ranked among companies with meaningful Operating margin (%) only.
CTBI' s Operating margin (%) Range Over the Past 10 Years
Min: 24.27  Med: 35.32 Max: 39.63
Current: 37.06
24.27
39.63
Net-margin (%) 26.23
CTBI's Net-margin (%) is ranked higher than
62% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. CTBI: 26.23 )
Ranked among companies with meaningful Net-margin (%) only.
CTBI' s Net-margin (%) Range Over the Past 10 Years
Min: 17.06  Med: 24.48 Max: 27.84
Current: 26.23
17.06
27.84
ROE (%) 9.76
CTBI's ROE (%) is ranked higher than
61% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. CTBI: 9.76 )
Ranked among companies with meaningful ROE (%) only.
CTBI' s ROE (%) Range Over the Past 10 Years
Min: 7.57  Med: 10.54 Max: 14.57
Current: 9.76
7.57
14.57
ROA (%) 1.22
CTBI's ROA (%) is ranked higher than
71% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CTBI: 1.22 )
Ranked among companies with meaningful ROA (%) only.
CTBI' s ROA (%) Range Over the Past 10 Years
Min: 0.79  Med: 1.2 Max: 1.34
Current: 1.22
0.79
1.34
Revenue Growth (3Y)(%) -0.60
CTBI's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CTBI: -0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CTBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.8  Med: 4.2 Max: 11.3
Current: -0.6
-2.8
11.3
EBITDA Growth (3Y)(%) -1.00
CTBI's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CTBI: -1.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CTBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.6  Med: 7.9 Max: 21.3
Current: -1
-13.6
21.3
EPS Growth (3Y)(%) 0.40
CTBI's EPS Growth (3Y)(%) is ranked lower than
69% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CTBI: 0.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CTBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.5  Med: 9.3 Max: 20.6
Current: 0.4
-13.5
20.6
» CTBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-20)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

CTBI Guru Trades in Q4 2015

Jim Simons 104,400 sh (+23.40%)
Barrow, Hanley, Mewhinney & Strauss 24,554 sh (-7.34%)
» More
Q1 2016

CTBI Guru Trades in Q1 2016

Jim Simons 137,600 sh (+31.80%)
Barrow, Hanley, Mewhinney & Strauss Sold Out
» More
Q2 2016

CTBI Guru Trades in Q2 2016

Jim Simons 170,777 sh (+24.11%)
» More
Q3 2016

CTBI Guru Trades in Q3 2016

Jim Simons 177,200 sh (+3.76%)
» More
» Details

Insider Trades

Latest Guru Trades with CTBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:BANC, NAS:GABC, NAS:SBCF, NAS:RBCAA, NAS:EFSC, NAS:LBAI, NAS:TCBK, NAS:CNOB, NAS:TRST, NAS:MSFG, NAS:GSBC, NYSE:NBHC, NAS:HFWA, NAS:OPB, NAS:SASR, NAS:UVSP, NAS:WASH, NAS:PPBI, NAS:NFBK, NAS:BMTC » details
Community Trust Bancorp Inc is a bank holding company, through its subsidiaries provides commercial and personal banking and wealth management services.

Community Trust Bancorp Inc was incorporated August 12, 1980, under the laws of the Commonwealth of Kentucky for the purpose of becoming a bank holding company. Through its subsidiaries, it operates eighty-one banking locations in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee, four trust offices across Kentucky, and one trust office in northeastern Tennessee. The Company through its subsidiaries is engaged in consumer and commercial community banking services, trust and wealth management activities. These services include: residential and commercial real estate loans; checking accounts; regular and term savings accounts and savings certificates; full service securities brokerage services; consumer loans; debit cards; annuity and life insurance products; Individual Retirement Accounts and Keogh plans; commercial loans; trust and wealth management services; and commercial demand deposit accounts. The Company's lending activities include commercial, construction, mortgage, and personal loans. Lease-financing, lines of credit, revolving lines of credit, term loans, and other specialized loans, including asset-based financing, are also available. The Company's corporate subsidiaries act as trustees of personal trusts, as executors of estates, as trustees for employee benefit trusts, as registrars, transfer agents, and paying agents for bond and stock issues, as depositories for securities, and as providers of full service brokerage services. The Company's subsidiaries face substantial competition for deposit, credit, trust, wealth management, and brokerage relationships in the communities. Its competitors include state banks, national banks, thrifts, trust companies, insurance companies, mortgage banking operations, credit unions, finance companies, brokerage companies, and other financial and non-financial companies which may offer products functionally equivalent to those offered by its subsidiaries.

Ratios

vs
industry
vs
history
P/E(ttm) 16.60
CTBI's P/E(ttm) is ranked lower than
58% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CTBI: 16.60 )
Ranked among companies with meaningful P/E(ttm) only.
CTBI' s P/E(ttm) Range Over the Past 10 Years
Min: 9.26  Med: 13.64 Max: 23.47
Current: 16.6
9.26
23.47
PE(NRI) 16.60
CTBI's PE(NRI) is ranked lower than
58% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CTBI: 16.60 )
Ranked among companies with meaningful PE(NRI) only.
CTBI' s PE(NRI) Range Over the Past 10 Years
Min: 9.23  Med: 13.63 Max: 23.71
Current: 16.6
9.23
23.71
Price/Owner Earnings (ttm) 13.60
CTBI's Price/Owner Earnings (ttm) is ranked higher than
54% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CTBI: 13.60 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CTBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.48  Med: 12.79 Max: 34.17
Current: 13.6
3.48
34.17
P/B 1.57
CTBI's P/B is ranked lower than
71% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CTBI: 1.57 )
Ranked among companies with meaningful P/B only.
CTBI' s P/B Range Over the Past 10 Years
Min: 0.98  Med: 1.35 Max: 2.28
Current: 1.57
0.98
2.28
P/S 4.30
CTBI's P/S is ranked lower than
66% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CTBI: 4.30 )
Ranked among companies with meaningful P/S only.
CTBI' s P/S Range Over the Past 10 Years
Min: 2.04  Med: 3.27 Max: 4.67
Current: 4.3
2.04
4.67
PFCF 11.78
CTBI's PFCF is ranked higher than
54% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CTBI: 11.78 )
Ranked among companies with meaningful PFCF only.
CTBI' s PFCF Range Over the Past 10 Years
Min: 4.32  Med: 10.25 Max: 43.35
Current: 11.78
4.32
43.35
POCF 11.18
CTBI's POCF is ranked lower than
51% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CTBI: 11.18 )
Ranked among companies with meaningful POCF only.
CTBI' s POCF Range Over the Past 10 Years
Min: 4.13  Med: 8.98 Max: 14.37
Current: 11.18
4.13
14.37
EV-to-EBIT 10.99
CTBI's EV-to-EBIT is ranked higher than
58% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CTBI: 10.99 )
Ranked among companies with meaningful EV-to-EBIT only.
CTBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.6  Med: 8.8 Max: 18.7
Current: 10.99
3.6
18.7
EV-to-EBITDA 10.29
CTBI's EV-to-EBITDA is ranked higher than
56% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. CTBI: 10.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
CTBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.3  Med: 8.2 Max: 16.8
Current: 10.29
3.3
16.8
PEG 3.74
CTBI's PEG is ranked lower than
82% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CTBI: 3.74 )
Ranked among companies with meaningful PEG only.
CTBI' s PEG Range Over the Past 10 Years
Min: 0.7  Med: 1.71 Max: 30.85
Current: 3.74
0.7
30.85
Shiller P/E 18.68
CTBI's Shiller P/E is ranked higher than
60% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. CTBI: 18.68 )
Ranked among companies with meaningful Shiller P/E only.
CTBI' s Shiller P/E Range Over the Past 10 Years
Min: 9.98  Med: 14.21 Max: 22.34
Current: 18.68
9.98
22.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.78
CTBI's Dividend Yield is ranked higher than
53% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CTBI: 2.78 )
Ranked among companies with meaningful Dividend Yield only.
CTBI' s Dividend Yield Range Over the Past 10 Years
Min: 2.51  Med: 3.61 Max: 5.31
Current: 2.78
2.51
5.31
Dividend Payout 0.46
CTBI's Dividend Payout is ranked lower than
71% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CTBI: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
CTBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.44 Max: 3.77
Current: 0.46
0.3
3.77
Dividend Growth (3y) 2.40
CTBI's Dividend Growth (3y) is ranked lower than
71% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CTBI: 2.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CTBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.4  Med: 6.2 Max: 14.9
Current: 2.4
1.4
14.9
Forward Dividend Yield 2.89
CTBI's Forward Dividend Yield is ranked higher than
50% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CTBI: 2.89 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.07
CTBI's Yield on cost (5-Year) is ranked lower than
53% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CTBI: 3.07 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CTBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.77  Med: 3.99 Max: 5.86
Current: 3.07
2.77
5.86
3-Year Average Share Buyback Ratio -0.70
CTBI's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CTBI: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CTBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.2  Med: -0.1 Max: 2.6
Current: -0.7
-1.2
2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
CTBI's Price/Tangible Book is ranked lower than
73% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CTBI: 1.84 )
Ranked among companies with meaningful Price/Tangible Book only.
CTBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.23  Med: 1.93 Max: 2.93
Current: 1.84
1.23
2.93
Price/Projected FCF 0.80
CTBI's Price/Projected FCF is ranked higher than
50% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CTBI: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
CTBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.54 Max: 0.91
Current: 0.8
0.26
0.91
Price/Median PS Value 1.34
CTBI's Price/Median PS Value is ranked lower than
67% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CTBI: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
CTBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 0.91 Max: 1.53
Current: 1.34
0.53
1.53
Price/Graham Number 1.17
CTBI's Price/Graham Number is ranked lower than
63% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CTBI: 1.17 )
Ranked among companies with meaningful Price/Graham Number only.
CTBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.7  Med: 1.06 Max: 1.64
Current: 1.17
0.7
1.64
Earnings Yield (Greenblatt) (%) 9.20
CTBI's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CTBI: 9.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CTBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.3  Med: 11.3 Max: 28
Current: 9.2
5.3
28
Forward Rate of Return (Yacktman) (%) 9.07
CTBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CTBI: 9.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CTBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1.6  Med: 15.8 Max: 27.4
Current: 9.07
-1.6
27.4

More Statistics

Revenue (TTM) (Mil) $180.5
EPS (TTM) $ 2.70
Beta0.40
Short Percentage of Float1.17%
52-Week Range $30.89 - 44.58
Shares Outstanding (Mil)17.62
» More Articles for CTBI

Headlines

Articles On GuruFocus.com
6 Stocks Building Value With Higher Dividends Aug 04 2014 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jul 11 2014 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jan 10 2014 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jul 19 2013 
3 Cheap Dividend Champions with Highest 5-Year EPS Expectations Jun 04 2013 
My 3 Favorite Dividend Champions with Highest Profit Margins May 09 2013 
How Much Money Will You Need Before Retiring? Mar 06 2013 
Community Trust Bank Corp. (CTBI) High-Yield Dividend Stock Analysis Jan 18 2013 
20 Cheapest Dividend Champions to Buy Now Jan 07 2013 
7 Higher-Yielding, Low-Debt Stocks with a Tiny Payout Ratio Dec 28 2011 

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