CTBI (Community Trust Bancorp) ROE % Adjusted to Book Value: 9.91% (As of Mar. 2026)


CTBI Community Trust Bancorp Inc CTBI
69 GF Score
Price $72.10
GF Value $59.92
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Community Trust Bancorp ROE % Adjusted to Book Value?

Community Trust Bancorp CTBI +1.32% 69 ROE % Adjusted to Book Value is 9.91% as of Mar. 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.

Community Trust Bancorp's ROE % for the quarter that ended in Mar. 2026 was 12.59%. Community Trust Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.27. Community Trust Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.91%.


Community Trust Bancorp ROE % Adjusted to Book Value Related Terms


Community Trust Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Community Trust Bancorp's ROE % Adjusted to Book Value can be seen below:

* 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 ROE % Adjusted to Book Value Chart

Community Trust Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.71 9.42 10.47 9.01 10.13

Community Trust Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.83 10.52 9.57 10.78 9.91

CTBI vs AMAL, TMP, PEBO: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Community Trust Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Community Trust Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Community Trust Bancorp's ROE % Adjusted to Book Value falls into.


CTBI
69GF Score
Community Trust Bancorp Inc CTBI
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Trust Bancorp ROE % Adjusted to Book Value Calculation

Community Trust Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.15% / 1.20
=10.13%

Community Trust Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.59% / 1.27
=9.91%

* 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.

What does a ROE % Adjusted to Book Value of 9.91% mean?
Community Trust Bancorp (CTBI) has a ROE % Adjusted to Book Value of 9.91% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Community Trust Bancorp and its competitors.
Is Community Trust Bancorp's ROE % Adjusted to Book Value too high?
Community Trust Bancorp's current ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value compare to AMAL and TMP?
Community Trust Bancorp's ROE % Adjusted to Book Value of 9.91% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Community Trust Bancorp and its competitors. Community Trust Bancorp's current ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current ROE % Adjusted to Book Value is 9.91% 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 $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:

  • ROE % Adjusted to Book Value: 9.91%
  • GF Value™: $59.92 vs. price of $72.10 (20.3% 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$72.10
Price
$59.92
GF Value