Community Trust BancorpCTBI +1.32%69 OCF Yield % is 8.24 as of Jun. 28, 2026, which is 24% below its 10-year median of 10.87. 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 1,502 Banks companies, Community Trust Bancorp ranks worse than 55.19% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Community Trust Bancorp OCF Yield % Related Terms
Community Trust Bancorp OCF Yield % 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.
For the Banks - Regional subindustry, Community Trust Bancorp's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Community Trust Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Community Trust Bancorp's OCF Yield % 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 OCF Yield % of 8.24 as of Jun. 28, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Community Trust Bancorp and its competitors. This is 24% below median its historical median of 10.87. Over the past decade, Community Trust Bancorp's OCF Yield % has ranged from 3.79 to 17.25. According to the industry distribution chart, Community Trust Bancorp ranks #829 out of 1502 companies in the Banks industry, placing it in the top 55.2%.
Is Community Trust Bancorp's OCF Yield % too high?
Community Trust Bancorp's current OCF Yield % of 8.24 is 24% below median its 10-year median of 10.87. Over the past 10 years, this metric has ranged from a low of 3.79 to a high of 17.25. The Banks industry median OCF Yield % is 9.24. Community Trust Bancorp's value of 8.24 is 10.8% below this industry median. Based on the distribution chart, Community Trust Bancorp ranks #829 out of 1502 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 OCF Yield % compare to AMAL and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #829 out of 1502 companies for OCF Yield %. This places Community Trust Bancorp in the lower half of its industry. The industry median OCF Yield % is 9.24. Community Trust Bancorp's value of 8.24 is 10.8% below this benchmark. Historically, Community Trust Bancorp's own OCF Yield % has ranged from 3.79 to 17.25 over the past decade. While the company's 10-year median is 10.87 vs. the industry median of 9.24, Community Trust Bancorp has consistently been below 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Trust Bancorp's current OCF Yield % of 8.24 is 10.8% below 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Community Trust Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Trust Bancorp's current OCF Yield % is 8.24, which is 24% below median its own 10-year median of 10.87. 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 $72.10 — trading 20.3% above its estimated fair value. The current OCF Yield % is 8.24, which is 24% below median its 10-year median of 10.87 and 10.8% below the Banks industry median of 9.24. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current OCF Yield % is 8.24 as of Jun. 28, 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 $72.10 is trading 20.3% above its estimated GF Value™ of $59.92.
GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.
Key valuation signals for CTBI:
OCF Yield %: 8.24 (24% below median its 10-year median of 10.87)
GF Value™: $59.92 vs. price of $72.10 (20.3% above fair value)
Industry Position: 10.8% below the Banks median (#829 of 1502)
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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