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Community Trust BancorpCTBI -2.78%68 5-Year Yield-on-Cost % is 3.73 as of Jul. 18, 2026, which is 19% below its 10-year median of 4.61. GuruFocus rates CTBI with a GF Score™ of 68/100 and a GF Value™ of $60.42 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Community Trust Bancorp ranks worse than 54.82% on this metric.
The historical rank and industry rank for Community Trust Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
CTBI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.27 Med: 4.61 Max: 7.06
Current: 3.73
During the past 13 years, Community Trust Bancorp's highest Yield on Cost was 7.06. The lowest was 3.27. And the median was 4.61.
CTBI's 5-Year Yield-on-Cost % is ranked worse than 54.82% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs CTBI: 3.73
Community Trust Bancorp (NAS:CTBI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Community Trust Bancorp 5-Year Yield-on-Cost % Related Terms
CTBI vs FMBH, TMP, PFBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Community Trust Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Community Trust Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Community Trust Bancorp's 5-Year Yield-on-Cost % falls into.
Community Trust Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Community Trust Bancorp (CTBI) has a 5-Year Yield-on-Cost % of 3.73 as of Jul. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Community Trust Bancorp and its competitors. This is 19% below median its historical median of 4.61. Over the past decade, Community Trust Bancorp's 5-Year Yield-on-Cost % has ranged from 3.27 to 7.06. According to the industry distribution chart, Community Trust Bancorp ranks #688 out of 1255 companies in the Banks industry, placing it in the top 54.8%.
Is Community Trust Bancorp's 5-Year Yield-on-Cost % too high?
Community Trust Bancorp's current 5-Year Yield-on-Cost % of 3.73 is 19% below median its 10-year median of 4.61. Over the past 10 years, this metric has ranged from a low of 3.27 to a high of 7.06. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Community Trust Bancorp's value of 3.73 is 3.1% below this industry median. Based on the distribution chart, Community Trust Bancorp ranks #688 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, Community Trust Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Trust Bancorp's 5-Year Yield-on-Cost % compare to FMBH and TMP?
According to the Banks industry distribution chart, Community Trust Bancorp ranks #688 out of 1255 companies for 5-Year Yield-on-Cost %. This places Community Trust Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Community Trust Bancorp's value of 3.73 is 3.1% below this benchmark. Historically, Community Trust Bancorp's own 5-Year Yield-on-Cost % has ranged from 3.27 to 7.06 over the past decade. While the company's 10-year median is 4.61 vs. the industry median of 3.85, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Trust Bancorp's current 5-Year Yield-on-Cost % of 3.73 is 3.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Community Trust Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Trust Bancorp's current 5-Year Yield-on-Cost % is 3.73, which is 19% below median its own 10-year median of 4.61. 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 $60.42, compared to a current price of $74.95 — trading 24% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.73, which is 19% below median its 10-year median of 4.61 and 3.1% below the Banks industry median of 3.85. Community Trust Bancorp's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Community Trust Bancorp (CTBI), the current 5-Year Yield-on-Cost % is 3.73 as of Jul. 18, 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 $74.95 is trading 24% above its estimated GF Value™ of $60.42.
GuruFocus considers Community Trust Bancorp to be Modestly Overvalued.
Key valuation signals for CTBI:
5-Year Yield-on-Cost %: 3.73 (19% below median its 10-year median of 4.61)
GF Value™: $60.42 vs. price of $74.95 (24% above fair value)
Industry Position: 3.1% below the Banks median (#688 of 1255)
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.
68GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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