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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.89
CTBI's Cash to Debt is ranked higher than
68% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. CTBI: 0.89 )
CTBI' s 10-Year Cash to Debt Range
Min: 0.36   Max: 3.29
Current: 0.89

0.36
3.29
Equity to Asset 0.12
CTBI's Equity to Asset is ranked higher than
83% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CTBI: 0.12 )
CTBI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.12

0.07
0.12
Interest Coverage 5.29
CTBI's Interest Coverage is ranked higher than
89% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CTBI: 5.29 )
CTBI' s 10-Year Interest Coverage Range
Min: 0.21   Max: 5.29
Current: 5.29

0.21
5.29
F-Score: 3
Z-Score: 0.27
WACC vs ROIC
9.06%
11.69%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 35.80
CTBI's Operating margin (%) is ranked higher than
81% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. CTBI: 35.80 )
CTBI' s 10-Year Operating margin (%) Range
Min: 18.63   Max: 39.63
Current: 35.8

18.63
39.63
Net-margin (%) 24.75
CTBI's Net-margin (%) is ranked higher than
79% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. CTBI: 24.75 )
CTBI' s 10-Year Net-margin (%) Range
Min: 14.01   Max: 27.84
Current: 24.75

14.01
27.84
ROE (%) 10.01
CTBI's ROE (%) is ranked higher than
79% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. CTBI: 10.01 )
CTBI' s 10-Year ROE (%) Range
Min: 7.57   Max: 14.57
Current: 10.01

7.57
14.57
ROA (%) 1.19
CTBI's ROA (%) is ranked higher than
85% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CTBI: 1.19 )
CTBI' s 10-Year ROA (%) Range
Min: 0.68   Max: 1.34
Current: 1.19

0.68
1.34
ROC (Joel Greenblatt) (%) 126.57
CTBI's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. CTBI: 126.57 )
CTBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.93   Max: 122.59
Current: 126.57

34.93
122.59
Revenue Growth (3Y)(%) -0.60
CTBI's Revenue Growth (3Y)(%) is ranked higher than
65% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CTBI: -0.60 )
CTBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 11.3
Current: -0.6

0
11.3
EBITDA Growth (3Y)(%) 2.70
CTBI's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CTBI: 2.70 )
CTBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 21.4
Current: 2.7

0
21.4
EPS Growth (3Y)(%) 2.70
CTBI's EPS Growth (3Y)(%) is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CTBI: 2.70 )
CTBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -13.5   Max: 20.6
Current: 2.7

-13.5
20.6
» CTBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CTBI Guru Trades in Q1 2014

Jim Simons 21,353 sh (New)
» More
Q2 2014

CTBI Guru Trades in Q2 2014

Jim Simons 6,876 sh (-70.73%)
» More
Q3 2014

CTBI Guru Trades in Q3 2014

Jim Simons 20,477 sh (+197.80%)
» More
Q4 2014

CTBI Guru Trades in Q4 2014

Jim Simons 33,777 sh (+64.95%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
CTBI's P/E(ttm) is ranked higher than
81% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. CTBI: 13.20 )
CTBI' s 10-Year P/E(ttm) Range
Min: 9.24   Max: 23.53
Current: 13.2

9.24
23.53
Forward P/E 10.57
CTBI's Forward P/E is ranked higher than
90% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 10.57 )
N/A
PE(NRI) 13.20
CTBI's PE(NRI) is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. CTBI: 13.20 )
CTBI' s 10-Year PE(NRI) Range
Min: 9.28   Max: 23.49
Current: 13.2

9.28
23.49
P/B 1.20
CTBI's P/B is ranked higher than
73% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CTBI: 1.20 )
CTBI' s 10-Year P/B Range
Min: 0.98   Max: 2.28
Current: 1.2

0.98
2.28
P/S 3.23
CTBI's P/S is ranked higher than
70% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. CTBI: 3.23 )
CTBI' s 10-Year P/S Range
Min: 2.04   Max: 5.2
Current: 3.23

2.04
5.2
PFCF 10.40
CTBI's PFCF is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 10.40 )
CTBI' s 10-Year PFCF Range
Min: 1.85   Max: 93.5
Current: 10.4

1.85
93.5
POCF 9.94
CTBI's POCF is ranked higher than
83% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. CTBI: 9.94 )
CTBI' s 10-Year POCF Range
Min: 1.8   Max: 42.27
Current: 9.94

1.8
42.27
EV-to-EBIT 9.41
CTBI's EV-to-EBIT is ranked higher than
90% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. CTBI: 9.41 )
CTBI' s 10-Year EV-to-EBIT Range
Min: 3.6   Max: 20.8
Current: 9.41

3.6
20.8
PEG 1.39
CTBI's PEG is ranked higher than
91% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 1.39 )
CTBI' s 10-Year PEG Range
Min: 0.66   Max: 14.39
Current: 1.39

0.66
14.39
Shiller P/E 14.10
CTBI's Shiller P/E is ranked higher than
89% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 14.10 )
CTBI' s 10-Year Shiller P/E Range
Min: 10.18   Max: 19.5
Current: 14.1

10.18
19.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.62
CTBI's Dividend Yield is ranked higher than
74% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. CTBI: 3.62 )
CTBI' s 10-Year Dividend Yield Range
Min: 2.51   Max: 5.31
Current: 3.62

2.51
5.31
Dividend Payout 0.48
CTBI's Dividend Payout is ranked higher than
71% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CTBI: 0.48 )
CTBI' s 10-Year Dividend Payout Range
Min: 0.36   Max: 0.76
Current: 0.48

0.36
0.76
Dividend growth (3y) 1.80
CTBI's Dividend growth (3y) is ranked higher than
69% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CTBI: 1.80 )
CTBI' s 10-Year Dividend growth (3y) Range
Min: 1.4   Max: 14.9
Current: 1.8

1.4
14.9
Yield on cost (5-Year) 3.90
CTBI's Yield on cost (5-Year) is ranked higher than
67% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. CTBI: 3.90 )
CTBI' s 10-Year Yield on cost (5-Year) Range
Min: 2.72   Max: 5.75
Current: 3.9

2.72
5.75
Share Buyback Rate -1.00
CTBI's Share Buyback Rate is ranked higher than
75% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CTBI: -1.00 )
CTBI' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -1.3
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
CTBI's Price/Tangible Book is ranked higher than
74% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CTBI: 1.50 )
CTBI' s 10-Year Price/Tangible Book Range
Min: 1.23   Max: 3.07
Current: 1.5

1.23
3.07
Price/DCF (Projected) 0.60
CTBI's Price/DCF (Projected) is ranked higher than
90% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 0.60 )
CTBI' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.79
Current: 0.6

0.31
0.79
Price/Median PS Value 1.00
CTBI's Price/Median PS Value is ranked higher than
89% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CTBI: 1.00 )
CTBI' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 1.52
Current: 1

0.52
1.52
Price/Peter Lynch Fair Value 1.50
CTBI's Price/Peter Lynch Fair Value is ranked higher than
92% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CTBI: 1.50 )
CTBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.61   Max: 3.91
Current: 1.5

0.61
3.91
Price/Graham Number 0.90
CTBI's Price/Graham Number is ranked higher than
80% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CTBI: 0.90 )
CTBI' s 10-Year Price/Graham Number Range
Min: 0.69   Max: 1.57
Current: 0.9

0.69
1.57
Earnings Yield (Greenblatt) 10.50
CTBI's Earnings Yield (Greenblatt) is ranked higher than
86% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CTBI: 10.50 )
CTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 28
Current: 10.5

4.8
28
Forward Rate of Return (Yacktman) 20.14
CTBI's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CTBI: 20.14 )
CTBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2   Max: 43
Current: 20.14

-2
43

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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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COMMUNITY TRUST BANCORP INC /KY/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 21 2015
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