Community Trust Bancorp has the GF Score of 69, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Community Trust Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Community Trust Bancorp (NAS:CTBI) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Community Trust Bancorp GF Score Related Terms
CTBI vs FMBH, TMP, PFBC: GF Score Comparison
For the Banks - Regional subindustry, Community Trust Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Community Trust Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Community Trust Bancorp's GF Score falls into.
Community Trust Bancorp (CTBI) has a GF Score of 69 as of Jul. 02, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Community Trust Bancorp and its competitors. This is near median its historical median of 71.00. Over the past decade, Community Trust Bancorp's GF Score has ranged from 60.00 to 85.00.
Is Community Trust Bancorp's GF Score too high?
Community Trust Bancorp's current GF Score of 69 is near median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 60.00 to a high of 85.00. 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 GF Score compare to FMBH and TMP?
Community Trust Bancorp's GF Score of 69 can be compared against companies in the Banks industry. Historically, Community Trust Bancorp's own GF Score has ranged from 60.00 to 85.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Community Trust Bancorp and its competitors. Community Trust Bancorp's current GF Score is 69, which is near median its own 10-year median of 71.00. 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 $60.00, compared to a current price of $74.12 — trading 23.5% above its estimated fair value. The current GF Score is 69, which is near median its 10-year median of 71.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current GF Score is 69 as of Jul. 02, 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 $74.12 is trading 23.5% above its estimated GF Value™ of $60.00.
GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.
Key valuation signals for CTBI:
GF Score: 69 (near median its 10-year median of 71.00)
GF Value™: $60.00 vs. price of $74.12 (23.5% above fair value)
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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