CTBI (Community Trust Bancorp) Tariff Resilience Score: 9/10 (As of Jul. 03, 2026)


CTBI Community Trust Bancorp Inc CTBI
69 GF Score
Price $72.75
GF Value $60.01
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Community Trust Bancorp Tariff Resilience Score?

Community Trust Bancorp CTBI -1.85% 69 Tariff Resilience Score is 9 as of Jul. 03, 2026. GuruFocus rates CTBI with a GF Score™ of 69/100 and a GF Value™ of $60.01 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,607 Banks companies, Community Trust Bancorp ranks better than 99.25% on this metric.

Community Trust Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Community Trust Bancorp has As a regional bank, CTBI has minimal exposure to international trade tariffs. Its operations are focused on local financial services, with no significant global supply chain dependencies.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Community Trust Bancorp might have Highly Resilient.

Community Trust Bancorp  (NAS:CTBI) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Community Trust Bancorp Tariff Resilience Score Related Terms

CTBI vs FMBH, TMP, PFBC: Tariff Resilience Score Comparison

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

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

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


CTBI
69GF Score
Community Trust Bancorp Inc CTBI
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Community Trust Bancorp (CTBI) has a Tariff Resilience Score of 9 as of Jul. 03, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Community Trust Bancorp ranks #12 out of 1607 companies in the Banks industry, placing it in the top 0.7%.
Is Community Trust Bancorp's Tariff Resilience Score too high?
Community Trust Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, Community Trust Bancorp ranks #12 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FMBH and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #12 out of 1607 companies for Tariff Resilience Score. This places Community Trust Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Community Trust Bancorp's current Tariff Resilience Score is 9. 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 $60.01, compared to a current price of $72.75 — trading 21.2% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current Tariff Resilience Score is 9 as of Jul. 03, 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 $72.75 is trading 21.2% above its estimated GF Value™ of $60.01. GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.

Key valuation signals for CTBI:

  • Tariff Resilience Score: 9
  • GF Value™: $60.01 vs. price of $72.75 (21.2% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$72.75
Price
$60.01
GF Value