CTBI (Community Trust Bancorp) ROC %: % (As of Mar. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CTBI Community Trust Bancorp Inc CTBI
66 GF Score
Price $77.76
GF Value $60.24
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Community Trust Bancorp ROC %?

Community Trust Bancorp CTBI -0.72% 66 ROC % is % as of Mar. 2026. GuruFocus rates CTBI with a GF Score™ of 66/100 and a GF Value™ of $60.24 (Modestly Overvalued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

CTBI
66GF Score
Community Trust Bancorp Inc CTBI
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Community Trust Bancorp (CTBI) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Community Trust Bancorp and its competitors.
Is Community Trust Bancorp's ROC % too high?
Community Trust Bancorp's current ROC % is %. Overall, Community Trust Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Trust Bancorp's ROC % compare to WABC and FMBH?
Community Trust Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Community Trust Bancorp and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Trust Bancorp's current ROC % is %. 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 $60.24, compared to a current price of $77.76 — trading 29.1% above its estimated fair value. The current ROC % is %. Community Trust Bancorp's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current ROC % is % 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 $77.76 is trading 29.1% above its estimated GF Value™ of $60.24. GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.

Key valuation signals for CTBI:

  • ROC %: %
  • GF Value™: $60.24 vs. price of $77.76 (29.1% above fair value)
  • GF Score™: 66/100 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.
66GF Score

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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$77.76
Price
$60.24
GF Value