Community Trust Financials

CTBI Stock  USD 60.07  0.39  0.65%   
Based on the key indicators related to Community Trust's liquidity, profitability, solvency, and operating efficiency, Community Trust Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. As of now, Community Trust's Retained Earnings are increasing as compared to previous years. The Community Trust's current Cash is estimated to increase to about 285.2 M, while Total Assets are projected to decrease to under 3.4 B. Key indicators impacting Community Trust's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.190.3524
Way Down
Slightly volatile
Return On Assets0.00870.0135
Way Down
Slightly volatile
Return On Equity0.120.1111
Significantly Up
Slightly volatile
Debt Equity Ratio0.0880.0927
Notably Down
Slightly volatile
Operating Income61.4 M119.5 M
Way Down
Slightly volatile
Current Ratio593565
Sufficiently Up
Slightly volatile
Investors should never underestimate Community Trust's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Community Trust's cash flow, debt, and profitability to make informed and accurate decisions about investing in Community Trust Bancorp.

Net Income

81.9 Million

  
Understanding current and past Community Trust Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Community Trust's financial statements are interrelated, with each one affecting the others. For example, an increase in Community Trust's assets may result in an increase in income on the income statement.

Community Trust Stock Summary

Community Trust competes with Home Bancorp, Heritage Financial, First Northwest, HomeTrust Bancshares, and Lake Shore. Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky. Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 964 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS2041491083
CUSIP204149108
LocationKentucky; U.S.A
Business Address346 North Mayo
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ctbi.com
Phone606 432 1414
CurrencyUSD - US Dollar

Community Trust Key Financial Ratios

Community Trust Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets4.4B5.1B5.4B5.4B5.8B3.4B
Net Debt(43.5M)(40.3M)(33.6M)(33.7M)(190.7M)(181.1M)
Retained Earnings296.8M326.7M386.8M438.6M484.4M508.6M
Accounts Payable2.8M1.2M1.0M2.2M7.4M7.0M
Cash58.7M54.3M46.6M51.3M271.6M285.2M
Net Receivables14.8M15.8M15.4M19.6M23.6M24.8M
Other Current Assets299.2M362.0M330.9M152.2M58.8M55.9M
Total Liab3.8B4.5B4.7B4.8B5.1B3.0B
Total Current Assets673.4M1.1B1.5B1.4B87.4M83.0M
Short Term Debt236.6M357.8M272.8M217.9M225.2M236.5M
Intangible Assets3.3M4.1M6.8M8.5M7.7M7.3M
Other Current Liab(2.8M)(1.2M)(1.0M)(2.2M)(7.4M)(7.0M)
Common Stock89.0M89.1M89.2M89.6M90.0M85.8M
Other Liab34.4M39.6M33.0M32.1M37.0M31.1M
Other Assets3.0B2.9B2.3B2.6B(1.2B)(1.1B)
Inventory(299.2M)(362.0M)(330.9M)(152.2M)(82.4M)(78.3M)
Net Tangible Assets549.4M589.4M632.7M562.6M646.9M504.6M
Capital Surpluse223.2M224.9M225.5M227.1M261.1M225.7M

Community Trust Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense40.5M25.5M15.1M28.6M95.5M100.3M
Operating Income72.0M70.3M110.6M129.7M119.5M61.4M
Ebit72.0M70.3M110.6M101.0M98.6M98.9M
Ebitda77.5M73.8M113.8M104.3M102.3M103.3M
Net Income64.5M59.5M87.9M81.8M78.0M81.9M
Income Tax Expense7.5M10.8M22.7M19.2M20.6M13.0M
Total Revenue195.1M205.6M223.5M227.0M221.3M155.9M
Gross Profit195.1M205.6M223.5M227.0M327.3M343.7M
Income Before Tax72.0M70.3M110.6M101.0M98.6M53.5M
Tax Provision7.5M10.8M22.7M19.2M20.6M17.9M
Net Interest Income144.9M151.0M163.1M169.1M173.1M164.5M
Interest Income185.4M176.4M178.2M197.7M268.7M198.5M

Community Trust Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash123.2M73.6M(26.5M)(183.1M)142.7M149.8M
Free Cash Flow80.9M60.9M113.3M93.5M79.4M74.3M
Depreciation5.5M5.3M5.0M5.2M5.4M5.5M
Other Non Cash Items11.9M(3.9M)16.8M7.9M5.1M4.9M
Dividends Paid26.2M27.1M27.9M29.9M32.2M17.4M
Capital Expenditures2.6M1.5M2.4M6.2M6.3M6.6M
Net Income64.5M59.5M87.9M81.8M78.0M39.8M
End Period Cash Flow264.7M338.2M311.8M128.7M271.4M186.6M
Investments(38.7M)(695.3M)(491.0M)(280.0M)(226.6M)(237.9M)
Net Borrowings(371K)121.5M(84.8M)(55.7M)(50.1M)(47.6M)
Change To Netincome96.4M354.0M20.0M12.5M11.2M10.7M

Community Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Community Trust's current stock value. Our valuation model uses many indicators to compare Community Trust value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Community Trust competition to find correlations between indicators driving Community Trust's intrinsic value. More Info.
Community Trust Bancorp is rated third in return on equity category among its peers. It is number one stock in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Community Trust Bancorp is roughly  8.21 . As of now, Community Trust's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Community Trust's earnings, one of the primary drivers of an investment's value.

Community Trust Bancorp Systematic Risk

Community Trust's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Community Trust volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Community Trust Bancorp correlated with the market. If Beta is less than 0 Community Trust generally moves in the opposite direction as compared to the market. If Community Trust Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Community Trust Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Community Trust is generally in the same direction as the market. If Beta > 1 Community Trust moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Community Trust Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Community Trust's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Community Trust growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.91)

As of now, Community Trust's Price Earnings To Growth Ratio is decreasing as compared to previous years.

Community Trust November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Community Trust help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Community Trust Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Community Trust Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Community Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Community Trust's daily price indicators and compare them against related drivers.

Complementary Tools for Community Stock analysis

When running Community Trust's price analysis, check to measure Community Trust's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community Trust is operating at the current time. Most of Community Trust's value examination focuses on studying past and present price action to predict the probability of Community Trust's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community Trust's price. Additionally, you may evaluate how the addition of Community Trust to your portfolios can decrease your overall portfolio volatility.
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