Community Trust BancorpCTBI +0.42%69 Median PS Value is $59.24 as of Jun. 25, 2026, which is 5651% above its 10-year median of 1.03. 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 1,042 Banks companies, Community Trust Bancorp ranks worse than 61.04% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Community Trust Bancorp's Median PS Value or its related term are showing as below:
CTBI'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73 Med: 1.03 Max: 1.52
Current: 1.2
During the past 13 years, the highest Price to Median PS Value of Community Trust Bancorp was 1.52. The lowest was 0.73. And the median was 1.03.
CTBI's Price-to-Median-PS-Value is ranked worse than 61.04% of 1042
companies
in the Banks industry
Industry Median: 1.1
vs CTBI: 1.20
Community Trust Bancorp (NAS:CTBI) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Community Trust Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
71.24
/
59.24
=
1.20
* 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 Median PS Value Related Terms
Community Trust Bancorp Median PS Value Historical Data
* 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.
CTBI vs AMAL, TMP, PEBO: Median PS Value Comparison
For the Banks - Regional subindustry, Community Trust Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Community Trust Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Community Trust Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.6809.
Community Trust Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.094.
* 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 Median PS Value of $59.24 as of Jun. 25, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Community Trust Bancorp and its competitors. This is 5651% above median its historical median of 1.03. Over the past decade, Community Trust Bancorp's Median PS Value has ranged from 0.73 to 1.52. According to the industry distribution chart, Community Trust Bancorp ranks #636 out of 1042 companies in the Banks industry, placing it in the top 61%.
Is Community Trust Bancorp's Median PS Value too high?
Community Trust Bancorp's current Median PS Value of $59.24 is 5651% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.52. The Banks industry median Median PS Value is 1.10. Community Trust Bancorp's value of $59.24 is 5285.5% above this industry median. Based on the distribution chart, Community Trust Bancorp ranks #636 out of 1042 companies in the Banks industry, which is below 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 Median PS Value compare to AMAL and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #636 out of 1042 companies for Median PS Value. This places Community Trust Bancorp in the lower half of its industry. The industry median Median PS Value is 1.10. Community Trust Bancorp's value of $59.24 is 5285.5% above this benchmark. Historically, Community Trust Bancorp's own Median PS Value has ranged from 0.73 to 1.52 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.10, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.10, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Trust Bancorp's current Median PS Value of $59.24 is 5285.5% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Community Trust Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Trust Bancorp's current Median PS Value is $59.24, which is 5651% above median its own 10-year median of 1.03. 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 $71.24 — trading 18.9% above its estimated fair value. The current Median PS Value is $59.24, which is 5651% above median its 10-year median of 1.03 and 5285.5% above the Banks industry median of 1.10. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current Median PS Value is $59.24 as of Jun. 25, 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 $71.24 is trading 18.9% above its estimated GF Value™ of $59.91.
GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.
Key valuation signals for CTBI:
Median PS Value: $59.24 (5651% above median its 10-year median of 1.03)
GF Value™: $59.91 vs. price of $71.24 (18.9% above fair value)
Industry Position: 5285.5% above the Banks median (#636 of 1042)
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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