Community Trust Bancorp, Inc.
CTBIFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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Daily timeframePart of the financial services sector, Community Trust Bancorp, Inc. (CTBI) is listed under Banks - Regional. At a $1.36B market cap, Community Trust Bancorp, Inc. ranks as a small-cap company within financial services. that provides various commercial and personal banking, and trust and wealth management services.
Market Cap
$1.36B
Beta
0.56
P/E (TTM)
12.55
P/E (Fwd)
11.58
EPS (TTM)
$5.97
EPS (Fwd)
$6.47
ROE
12.7%
ROA
1.6%
Cash
$63.8M
Total Debt
$377.5M
Free CF
—
52W Change
31.6%
Annual Financials
Cash vs Debt
On the balance sheet, CTBI has $63.8M in cash with $377.5M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 12.7%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $227.0M (2022) to $282.6M (2025), reflecting a 24% increase over the period.
With a beta below 0.7, Community Trust Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. No single metric tells the full story. Reviewing CTBI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.