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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 2.33
CTBI's Cash-to-Debt is ranked higher than
53% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CTBI: 2.33 )
Ranked among companies with meaningful Cash-to-Debt only.
CTBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.36  Med: 1.42 Max: 3.29
Current: 2.33
0.36
3.29
Equity-to-Asset 0.13
CTBI's Equity-to-Asset is ranked higher than
76% of the 1496 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 4.90
CTBI's Interest Coverage is ranked higher than
79% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CTBI: 4.90 )
Ranked among companies with meaningful Interest Coverage only.
CTBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.49  Med: 2.54 Max: 5.52
Current: 4.9
0.49
5.52
Beneish M-Score: -2.28
WACC vs ROIC
5.81%
11.15%
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 : 4/10

vs
industry
vs
history
Operating Margin % 36.63
CTBI's Operating Margin % is ranked higher than
66% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CTBI: 36.63 )
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: 37.19
Current: 36.63
24.27
37.19
Net Margin % 26.09
CTBI's Net Margin % is ranked higher than
64% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CTBI: 26.09 )
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: 26.09
Current: 26.09
17.06
26.09
ROE % 9.64
CTBI's ROE % is ranked higher than
63% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CTBI: 9.64 )
Ranked among companies with meaningful ROE % only.
CTBI' s ROE % Range Over the Past 10 Years
Min: 7.57  Med: 10.06 Max: 12.55
Current: 9.64
7.57
12.55
ROA % 1.21
CTBI's ROA % is ranked higher than
74% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CTBI: 1.21 )
Ranked among companies with meaningful ROA % only.
CTBI' s ROA % Range Over the Past 10 Years
Min: 0.79  Med: 1.2 Max: 1.25
Current: 1.21
0.79
1.25
3-Year Revenue Growth Rate -1.10
CTBI's 3-Year Revenue Growth Rate is ranked lower than
73% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CTBI: -1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CTBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.8  Med: 4.2 Max: 11.3
Current: -1.1
-2.8
11.3
3-Year EBITDA Growth Rate -0.30
CTBI's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CTBI: -0.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CTBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.6  Med: 7.4 Max: 21.8
Current: -0.3
-13.6
21.8
3-Year EPS without NRI Growth Rate 1.00
CTBI's 3-Year EPS without NRI Growth Rate is ranked lower than
69% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CTBI: 1.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CTBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -13.5  Med: 9.3 Max: 20.6
Current: 1
-13.5
20.6
GuruFocus has detected 1 Warning Sign with Community Trust Bancorp Inc $CTBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CTBI's 10-Y Financials

Financials (Next Earnings Date: 2017-04-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

CTBI Guru Trades in Q4 2016

Jim Simons 194,577 sh (+9.81%)
» 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:NAS:TCBK, NAS:ORIT, NAS:MSFG, NYSE:FBK, NAS:TRST, NAS:CNOB, NAS:PFBC, NYSE:NBHC, NAS:WASH, NAS:UVSP, NAS:HFWA, NAS:NFBK, NAS:GSBC, NAS:GABC, NAS:CUNB, NAS:LBAI, NAS:BDGE, OTCPK:RBCAB, NAS:COBZ, NAS:GBNK » 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
PE Ratio 16.39
CTBI's PE Ratio is ranked lower than
64% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CTBI: 16.39 )
Ranked among companies with meaningful PE Ratio only.
CTBI' s PE Ratio Range Over the Past 10 Years
Min: 9.26  Med: 13.66 Max: 23.47
Current: 16.39
9.26
23.47
PE Ratio without NRI 16.39
CTBI's PE Ratio without NRI is ranked lower than
60% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CTBI: 16.39 )
Ranked among companies with meaningful PE Ratio without NRI only.
CTBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.23  Med: 13.66 Max: 23.71
Current: 16.39
9.23
23.71
Price-to-Owner-Earnings 15.80
CTBI's Price-to-Owner-Earnings is ranked lower than
58% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. CTBI: 15.80 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CTBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.48  Med: 12.79 Max: 34.17
Current: 15.8
3.48
34.17
PB Ratio 1.56
CTBI's PB Ratio is ranked lower than
72% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CTBI: 1.56 )
Ranked among companies with meaningful PB Ratio only.
CTBI' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.35 Max: 2.28
Current: 1.56
0.98
2.28
PS Ratio 4.29
CTBI's PS Ratio is ranked lower than
69% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CTBI: 4.29 )
Ranked among companies with meaningful PS Ratio only.
CTBI' s PS Ratio Range Over the Past 10 Years
Min: 2.04  Med: 3.27 Max: 4.8
Current: 4.29
2.04
4.8
Price-to-Free-Cash-Flow 13.39
CTBI's Price-to-Free-Cash-Flow is ranked lower than
56% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CTBI: 13.39 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CTBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.32  Med: 9.39 Max: 15.32
Current: 13.39
4.32
15.32
Price-to-Operating-Cash-Flow 12.64
CTBI's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CTBI: 12.64 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CTBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.13  Med: 8.98 Max: 14.37
Current: 12.64
4.13
14.37
EV-to-EBIT 10.49
CTBI's EV-to-EBIT is ranked higher than
51% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CTBI: 10.49 )
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: 10.49
3.6
18.7
EV-to-EBITDA 9.93
CTBI's EV-to-EBITDA is ranked higher than
50% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CTBI: 9.93 )
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: 9.93
3.3
16.8
PEG Ratio 11.71
CTBI's PEG Ratio is ranked lower than
96% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CTBI: 11.71 )
Ranked among companies with meaningful PEG Ratio only.
CTBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.63 Max: 30.85
Current: 11.71
0.7
30.85
Shiller PE Ratio 18.57
CTBI's Shiller PE Ratio is ranked higher than
59% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. CTBI: 18.57 )
Ranked among companies with meaningful Shiller PE Ratio only.
CTBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.89  Med: 14.22 Max: 20.84
Current: 18.57
9.89
20.84

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.87
CTBI's Dividend Yield % is ranked higher than
53% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CTBI: 2.87 )
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: 2.87
2.51
5.31
Dividend Payout Ratio 0.47
CTBI's Dividend Payout Ratio is ranked lower than
72% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CTBI: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CTBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.47 Max: 0.76
Current: 0.47
0.43
0.76
3-Year Dividend Growth Rate 2.90
CTBI's 3-Year Dividend Growth Rate is ranked lower than
68% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CTBI: 2.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CTBI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1.4  Med: 5.8 Max: 14.9
Current: 2.9
1.4
14.9
Forward Dividend Yield % 2.90
CTBI's Forward Dividend Yield % is ranked lower than
51% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CTBI: 2.90 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.22
CTBI's 5-Year Yield-on-Cost % is ranked lower than
51% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. CTBI: 3.22 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CTBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.83  Med: 4.06 Max: 5.98
Current: 3.22
2.83
5.98
3-Year Average Share Buyback Ratio -0.40
CTBI's 3-Year Average Share Buyback Ratio is ranked higher than
64% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CTBI: -0.40 )
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: -0.4 Max: 2.6
Current: -0.4
-1.2
2.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.80
CTBI's Price-to-Tangible-Book is ranked lower than
73% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CTBI: 1.80 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CTBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.39  Med: 2.06 Max: 2.93
Current: 1.8
1.39
2.93
Price-to-Intrinsic-Value-Projected-FCF 0.79
CTBI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
52% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CTBI: 0.79 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CTBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.56 Max: 0.88
Current: 0.79
0.29
0.88
Price-to-Median-PS-Value 1.31
CTBI's Price-to-Median-PS-Value is ranked lower than
67% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CTBI: 1.31 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CTBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 0.97 Max: 1.54
Current: 1.31
0.53
1.54
Price-to-Graham-Number 1.15
CTBI's Price-to-Graham-Number is ranked lower than
68% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CTBI: 1.15 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CTBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 1.07 Max: 1.58
Current: 1.15
0.7
1.58
Earnings Yield (Greenblatt) % 9.52
CTBI's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CTBI: 9.52 )
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: 9.52
5.3
28
Forward Rate of Return (Yacktman) % 7.42
CTBI's Forward Rate of Return (Yacktman) % is ranked lower than
62% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CTBI: 7.42 )
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: 0.2  Med: 14.7 Max: 27.9
Current: 7.42
0.2
27.9

More Statistics

Revenue (TTM) (Mil) $181.5
EPS (TTM) $ 2.70
Beta0.40
Short Percentage of Float1.50%
52-Week Range $32.99 - 51.35
Shares Outstanding (Mil)17.66
» 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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