Community Trust Bancorp, Inc.
CTBIFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
Scan Results
Daily timeframePart of the financial services sector, Community Trust Bancorp, Inc. (CTBI) is listed under Banks - Regional. Valued at $1.28B, CTBI is a small-cap name in its sector. that provides various commercial and personal banking, and trust and wealth management services.
Market Cap
$1.28B
Beta
0.56
P/E (TTM)
11.69
P/E (Fwd)
10.87
EPS (TTM)
$6.03
EPS (Fwd)
$6.48
ROE
12.9%
ROA
1.6%
Cash
$59.2M
Total Debt
$431.1M
Free CF
—
52W Change
33.5%
Annual Financials
Cash vs Debt
Where CTBI stands vs its 150-day and 200-day moving averages
As of the October 12, 2026 close, CTBI finished 6.74% above its 150-day moving average ($69.48) and 10.79% above its 200-day moving average ($66.94). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CTBI overbought or oversold?
At the October 12, 2026 close, CTBI's RSI(14) was 42.8, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Community Trust Bancorp, Inc. carries $431.1M in total debt against $59.2M in cash reserves — debt is roughly 7.3x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.9%, 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.
The relatively low beta of 0.56 suggests CTBI is a less volatile holding compared to the broader index. 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.