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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 3.39
CTBI's Cash-to-Debt is ranked higher than
69% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CTBI: 3.39 )
Ranked among companies with meaningful Cash-to-Debt only.
CTBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27  Med: 1.22 Max: 3.39
Current: 3.39
0.27
3.39
Equity-to-Asset 0.13
CTBI's Equity-to-Asset is ranked higher than
75% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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: 0.06  Med: 0.09 Max: 0.13
Current: 0.13
0.06
0.13
Debt-to-Equity 0.11
CTBI's Debt-to-Equity is ranked higher than
91% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. CTBI: 0.11 )
Ranked among companies with meaningful Debt-to-Equity only.
CTBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11  Med: 0.33 Max: 1.38
Current: 0.11
0.11
1.38
Debt-to-EBITDA 0.31
CTBI's Debt-to-EBITDA is ranked higher than
90% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. CTBI: 0.31 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CTBI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.31
Current: 0.31
0
0.31
Beneish M-Score: -2.25
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 : 2/10

vs
industry
vs
history
Net Margin % 29.29
CTBI's Net Margin % is ranked higher than
68% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CTBI: 29.29 )
Ranked among companies with meaningful Net Margin % only.
CTBI' s Net Margin % Range Over the Past 10 Years
Min: 16.49  Med: 24.48 Max: 29.29
Current: 29.29
16.49
29.29
ROE % 10.59
CTBI's ROE % is ranked higher than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CTBI: 10.59 )
Ranked among companies with meaningful ROE % only.
CTBI' s ROE % Range Over the Past 10 Years
Min: 7.57  Med: 10.03 Max: 11.69
Current: 10.59
7.57
11.69
ROA % 1.35
CTBI's ROA % is ranked higher than
75% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CTBI: 1.35 )
Ranked among companies with meaningful ROA % only.
CTBI' s ROA % Range Over the Past 10 Years
Min: 0.79  Med: 1.2 Max: 1.35
Current: 1.35
0.79
1.35
3-Year Revenue Growth Rate 1.10
CTBI's 3-Year Revenue Growth Rate is ranked lower than
67% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 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: -9.5  Med: 4.05 Max: 8.3
Current: 1.1
-9.5
8.3
3-Year EPS without NRI Growth Rate 5.50
CTBI's 3-Year EPS without NRI Growth Rate is ranked higher than
53% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CTBI: 5.50 )
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: -16.3  Med: 7.8 Max: 22
Current: 5.5
-16.3
22
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» CTBI's 30-Y Financials

Financials (Next Earnings Date: 2019-01-18 Est.)


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

» Details

Guru Trades

Q3 2017

CTBI Guru Trades in Q3 2017

Chuck Royce 247 sh (New)
Jim Simons 172,800 sh (-0.75%)
» More
Q4 2017

CTBI Guru Trades in Q4 2017

HOTCHKIS & WILEY 33,776 sh (New)
Chuck Royce 242 sh (-2.02%)
Jim Simons 164,700 sh (-4.69%)
» More
Q1 2018

CTBI Guru Trades in Q1 2018

Jim Simons 186,577 sh (+13.28%)
HOTCHKIS & WILEY 33,997 sh (+0.65%)
Chuck Royce 235 sh (-2.89%)
» More
Q2 2018

CTBI Guru Trades in Q2 2018

Chuck Royce 372 sh (+58.30%)
HOTCHKIS & WILEY 51,717 sh (+52.12%)
Jim Simons 206,400 sh (+10.62%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2018-06-30 Add 52.12%$44.6 - $52.6 $ 45.40-8%51,717
HOTCHKIS & WILEY 2018-03-31 Add 0.65%$43.5 - $50.2 $ 45.40-2%33,997
HOTCHKIS & WILEY 2017-12-31 New Buy0.01%$45.9 - $51.65 $ 45.40-6%33,776
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:COBZ, NAS:UVSP, NAS:GBNK, NAS:SYBT, NAS:TCBK, NAS:CNOB, NAS:TRST, NAS:CARO, NAS:GNBC, NYSE:CPF, NAS:RBCAA, NYSE:CUBI, NAS:HAFC, NAS:BMTC, NAS:NFBK, NAS:GABC, NAS:NCOM, NAS:LBAI, NAS:GSBC, NYSE:BANC » details
Headquarter Location:USA
Community Trust Bancorp Inc is a bank holding company. The company provides commercial and personal banking and trust and wealth management activities.

Community Trust Bancorp Inc is a bank holding company providing commercial and personal banking and trust and wealth management activities. The bank's services include accepting time and demand deposits; making secured and unsecured loans; cash management services; issuing letters of credit; renting safe deposit boxes; and providing funds transfer services. Its other services consist of residential and commercial real estate loans; checking accounts; regular and term savings accounts and savings certificates; full-service securities brokerage services; consumer loans; annuity and life insurance products; Individual Retirement Accounts and Keogh plans; and repurchase agreements.

Ratios

vs
industry
vs
history
PE Ratio 14.31
CTBI's PE Ratio is ranked lower than
53% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CTBI: 14.31 )
Ranked among companies with meaningful PE Ratio only.
CTBI' s PE Ratio Range Over the Past 10 Years
Min: 9.26  Med: 13.74 Max: 23.47
Current: 14.31
9.26
23.47
PE Ratio without NRI 14.31
CTBI's PE Ratio without NRI is ranked lower than
53% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CTBI: 14.31 )
Ranked among companies with meaningful PE Ratio without NRI only.
CTBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.26  Med: 13.74 Max: 23.47
Current: 14.31
9.26
23.47
Price-to-Owner-Earnings 15.15
CTBI's Price-to-Owner-Earnings is ranked lower than
55% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CTBI: 15.15 )
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: 13.11 Max: 41.1
Current: 15.15
3.48
41.1
PB Ratio 1.49
CTBI's PB Ratio is ranked lower than
72% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CTBI: 1.49 )
Ranked among companies with meaningful PB Ratio only.
CTBI' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.34 Max: 1.96
Current: 1.49
0.98
1.96
PS Ratio 4.20
CTBI's PS Ratio is ranked lower than
71% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CTBI: 4.20 )
Ranked among companies with meaningful PS Ratio only.
CTBI' s PS Ratio Range Over the Past 10 Years
Min: 2.04  Med: 3.23 Max: 4.85
Current: 4.2
2.04
4.85
Price-to-Free-Cash-Flow 12.17
CTBI's Price-to-Free-Cash-Flow is ranked lower than
53% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CTBI: 12.17 )
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: 9.54 Max: 27.6
Current: 12.17
4.32
27.6
Price-to-Operating-Cash-Flow 11.58
CTBI's Price-to-Operating-Cash-Flow is ranked lower than
57% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. CTBI: 11.58 )
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: 9.15 Max: 25.7
Current: 11.58
4.13
25.7
EV-to-Revenue 3.45
CTBI's EV-to-Revenue is ranked higher than
58% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CTBI: 3.45 )
Ranked among companies with meaningful EV-to-Revenue only.
CTBI' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.1  Med: 3 Max: 5.1
Current: 3.45
1.1
5.1
Shiller PE Ratio 17.70
CTBI's Shiller PE Ratio is ranked higher than
55% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. CTBI: 17.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
CTBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.93  Med: 14.42 Max: 20.75
Current: 17.7
9.93
20.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.97
CTBI's Dividend Yield % is ranked higher than
50% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CTBI: 2.97 )
Ranked among companies with meaningful Dividend Yield % only.
CTBI' s Dividend Yield % Range Over the Past 10 Years
Min: 2.51  Med: 3.59 Max: 5.31
Current: 2.97
2.51
5.31
Dividend Payout Ratio 0.42
CTBI's Dividend Payout Ratio is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CTBI: 0.42 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CTBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.42  Med: 0.47 Max: 0.76
Current: 0.42
0.42
0.76
3-Year Dividend Growth Rate 3.30
CTBI's 3-Year Dividend Growth Rate is ranked lower than
63% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CTBI: 3.30 )
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: 7.05 Max: 14.9
Current: 3.3
1.4
14.9
Forward Dividend Yield % 3.17
CTBI's Forward Dividend Yield % is ranked higher than
50% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CTBI: 3.17 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.42
CTBI's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CTBI: 3.42 )
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: 2.88  Med: 4.12 Max: 6.1
Current: 3.42
2.88
6.1
3-Year Average Share Buyback Ratio -0.40
CTBI's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 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: -18.4  Med: -0.4 Max: 2.6
Current: -0.4
-18.4
2.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.70
CTBI's Price-to-Tangible-Book is ranked lower than
70% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CTBI: 1.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CTBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.75  Med: 1.87 Max: 2.93
Current: 1.7
0.75
2.93
Price-to-Intrinsic-Value-Projected-FCF 0.78
CTBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
52% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CTBI: 0.78 )
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: 0.27  Med: 0.59 Max: 0.91
Current: 0.78
0.27
0.91
Price-to-Median-PS-Value 1.30
CTBI's Price-to-Median-PS-Value is ranked lower than
73% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CTBI: 1.30 )
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: 0.38  Med: 0.91 Max: 1.56
Current: 1.3
0.38
1.56
Price-to-Graham-Number 1.04
CTBI's Price-to-Graham-Number is ranked lower than
58% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CTBI: 1.04 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CTBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 1.07 Max: 2.29
Current: 1.04
0.46
2.29

More Statistics

Revenue (TTM) (Mil) $191.48
EPS (TTM) $ 3.17
Beta0.41
Volatility16.45%
52-Week Range $42.40 - 53.00
Shares Outstanding (Mil)17.73

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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