CTBI (Community Trust Bancorp) Moat Score: 3/10 (As of Jun. 30, 2026)


CTBI Community Trust Bancorp Inc CTBI
69 GF Score
Price $72.48
GF Value $59.92
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Community Trust Bancorp Moat Score?

Community Trust Bancorp CTBI +0.14% 69 Moat Score is 3 as of Jun. 30, 2026. GuruFocus rates CTBI with a GF Score™ of 69/100 and a GF Value™ of $59.92 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Community Trust Bancorp ranks better than 74.52% on this metric.

Community Trust Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Community Trust Bancorp has No Moat: Community Trust Bancorp Inc operates in a competitive banking sector with limited differentiation. It lacks significant network effects, brand strength, or proprietary technology to establish a strong moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Community Trust Bancorp might have No Moat - Very weak/transient advantages.

Community Trust Bancorp  (NAS:CTBI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Community Trust Bancorp Moat Score Related Terms

CTBI vs FMBH, TMP, PFBC: Moat Score Comparison

For the Banks - Regional subindustry, Community Trust Bancorp's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Community Trust Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Community Trust Bancorp's Moat Score falls into.


CTBI
69GF Score
Community Trust Bancorp Inc CTBI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Community Trust Bancorp (CTBI) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Community Trust Bancorp ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is Community Trust Bancorp's Moat Score too high?
Community Trust Bancorp's current Moat Score is 3. Based on the distribution chart, Community Trust Bancorp ranks #411 out of 1613 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 Moat Score compare to FMBH and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #411 out of 1613 companies for Moat Score. This puts Community Trust Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Community Trust Bancorp's current Moat Score is 3. 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 $59.92, compared to a current price of $72.48 — trading 21% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current Moat Score is 3 as of Jun. 30, 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 $72.48 is trading 21% above its estimated GF Value™ of $59.92. GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.

Key valuation signals for CTBI:

  • Moat Score: 3
  • GF Value™: $59.92 vs. price of $72.48 (21% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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 Business Description

Address 346 North Mayo Trail, P.O. Box 2947, Pikeville, KY, USA, 41502
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$72.48
Price
$59.92
GF Value