CTBI · Community Trust Bancorp Inc /Ky/
$76.52
+0.30 (+0.39%)
At close · Aug 21
Market Cap
$1.38B
Shares
18.17M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$76.52
Open$76.73
Day$75.87–76.80
52W close$51.02–79.46
Avg vol 30d121K
Short int559K · 3.1% float · 4.2d
Short vol49%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+19%
above
Price vs 50-day avg
+3%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
90%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
+24%
trailing
YTD return
+35%
this year
Relative strength
+13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $75 › 200d $65 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +27 funds added
Insider flow
Distributing
Net -$307.5K over 90 days · 100% sells
Short interest
Rising
3.08% of float · ▲ +26.1% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
188 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+18%
Y/Y
Free cash flow
$97.4M
Valuation
P/E 12.8
in line
Balance sheet
$9.4M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+19%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $75 › 200d $65 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +27 funds added
Insider flow
Distributing
Net -$307.5K over 90 days · 100% sells
Short interest
Rising
3.08% of float · ▲ +26.1% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
188 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $51
Now $77 · 90%
Range high $79
vs 200-day avg +19%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accruing loans 30-89 days past due | $20.3M | As of June 30, 2026 | — |
| Accruing loans 90+ days past due | $19M | As of June 30, 2026 | — |
| Allowance for credit losses as a percentage of total loans outstanding | 1.23% | As of June 30, 2026 | — |
| Annualized dividend yield to shareholders | 2.93% | As of June 30, 2026 | — |
| Banking locations | 69 | As of June 30, 2026 | — |
| Community bank leverage ratio | 13.89% | As of June 30, 2026 | — |
| Efficiency ratio (tax equivalent) | 48.35% | Six Months Ended June 30, 2026 | — |
| FTE employees | 970 | As of June 30, 2026 | — |
| Net interest margin (tax equivalent) | 3.79% | Six Months Ended June 30, 2026 | — |
| Net loan charge-offs | $2.2M | Six Months Ended June 30, 2026 | — |
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| Net loan charge-offs (annualized % of average loans) | 0.09% | Six Months Ended June 30, 2026 | — |
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| Nonaccrual loans | $10.8M | As of June 30, 2026 | — |
| Reserve coverage (allowance for credit losses to nonperforming loans) | 211.8% | As of June 30, 2026 | — |
| Tangible equity to tangible assets ratio | 11.93% | As of June 30, 2026 | — |
| Total nonperforming loans | $29.7M | Q2 2026 | — |
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| Average loans to deposits ratio | 87.2% | 1Q 2026 | — |
| Deposits, including repurchase agreements | 5.7B | 1Q 2026 | — |
| Efficiency ratio | 48.72% | 1Q 2026 | — |
| Net interest margin | 3.79% | 1Q 2026 | — |
| Nonperforming assets | $24.1M | 1Q 2026 | — |
| Tangible common equity | 12.07% | 1Q 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CTBI
this stock
Community Trust Bancorp Inc /Ky/
|
$1.38B | +35.4% | — | 12.8 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CTBI | -3.0% | +0.5% | +24.3% | -2.5% | +35.4% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -1.6% | -3.1% | +12.8% | -5.0% | +23.1% |
Capital returns
Latest dividend
$0.53
/ share · ex Jun 15, 2026
Declared · upcoming
$0.71
/ share · ex Sep 15, 2026
Paid (TTM)
$2.12
/ share · 4 payouts
Dividend yield (TTM, derived)
2.77%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
350852
CUSIP
204149108
13F (30d)
160 filings
160 filers
Visit website
Investor relations