Community Trust BancorpCTBI +0.56%69 FCF Margin % is 51.12% as of Mar. 2026, which is 48% above its 10-year median of 34.46. GuruFocus rates CTBI with a GF Score™ of 69/100 and a GF Value™ of $59.91 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Community Trust Bancorp ranks better than 63.5% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Community Trust Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Community Trust Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Trust Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Community Trust Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Community Trust Bancorp (CTBI) has a FCF Margin % of 51.12% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Trust Bancorp and its competitors. This is 48% above median its historical median of 34.46. Over the past decade, Community Trust Bancorp's FCF Margin % has ranged from 29.63 to 50.69. According to the industry distribution chart, Community Trust Bancorp ranks #549 out of 1504 companies in the Banks industry, placing it in the top 36.5%.
Is Community Trust Bancorp's FCF Margin % too high?
Community Trust Bancorp's current FCF Margin % of 51.12% is 48% above median its 10-year median of 34.46. Over the past 10 years, this metric has ranged from a low of 29.63 to a high of 50.69. The Banks industry median FCF Margin % is 26.50. Community Trust Bancorp's value of 51.12% is 92.9% above this industry median. Based on the distribution chart, Community Trust Bancorp ranks #549 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Community Trust Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Trust Bancorp's FCF Margin % compare to AMAL and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #549 out of 1504 companies for FCF Margin %. This puts Community Trust Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Community Trust Bancorp's value of 51.12% is 92.9% above this benchmark. Historically, Community Trust Bancorp's own FCF Margin % has ranged from 29.63 to 50.69 over the past decade. While the company's 10-year median is 34.46 vs. the industry median of 26.50, Community Trust Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Trust Bancorp's current FCF Margin % of 51.12% is 92.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Trust Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Trust Bancorp's current FCF Margin % is 51.12%, which is 48% above median its own 10-year median of 34.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Trust Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Community Trust Bancorp (CTBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $59.91, compared to a current price of $71.34 — trading 19.1% above its estimated fair value. The current FCF Margin % is 51.12%, which is 48% above median its 10-year median of 34.46 and 92.9% above the Banks industry median of 26.50. Community Trust Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current FCF Margin % is 51.12% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Community Trust Bancorp (CTBI) Overvalued in 2026?
Based on GuruFocus' analysis, Community Trust Bancorp stock appears to be overvalued.
The current stock price of $71.34 is trading 19.1% above its estimated GF Value™ of $59.91.
GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.
Key valuation signals for CTBI:
FCF Margin %: 51.12% (48% above median its 10-year median of 34.46)
GF Value™: $59.91 vs. price of $71.34 (19.1% above fair value)
Industry Position: 92.9% above the Banks median (#549 of 1504)
No single metric tells the full story. See the CTBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Trust Bancorp Inc is a bank holding company. The Bank owns all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, north-eastern, central, and south-central Kentucky, southern West Virginia, and north-eastern Tennessee. Through its subsidiaries, the Bank is engaged in commercial and personal banking and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals, and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes; and providing funds transfer services. The company operates in one reportable segment: community banking services.
69GF Score
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