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Upturn AI SWOT - About
Community Trust Bancorp Inc (CTBI)
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Upturn Advisory Summary
04/01/2025: CTBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.03% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 917.40M USD | Price to earnings Ratio 10.99 | 1Y Target Price 60 |
Price to earnings Ratio 10.99 | 1Y Target Price 60 | ||
Volume (30-day avg) 54381 | Beta 0.65 | 52 Weeks Range 37.80 - 60.60 | Updated Date 04/1/2025 |
52 Weeks Range 37.80 - 60.60 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 4.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.85% | Operating Margin (TTM) 48.28% |
Management Effectiveness
Return on Assets (TTM) 1.38% | Return on Equity (TTM) 11.35% |
Valuation
Trailing PE 10.99 | Forward PE 11.22 | Enterprise Value 1157233408 | Price to Sales(TTM) 3.86 |
Enterprise Value 1157233408 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 4.01 | Enterprise Value to EBITDA - | Shares Outstanding 18101800 | Shares Floating 15246212 |
Shares Outstanding 18101800 | Shares Floating 15246212 | ||
Percent Insiders 1.19 | Percent Institutions 64.4 |
Analyst Ratings
Rating 4.33 | Target Price 60 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Community Trust Bancorp Inc
Company Overview
History and Background
Community Trust Bancorp, Inc. (CTBI) was founded in 1903 as a trust company. It has evolved into a multi-bank holding company offering a range of financial services throughout Kentucky, West Virginia, and Tennessee. Key milestones include strategic acquisitions and organic growth across its footprint.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and small businesses.
- Wealth Management: Offers trust and investment services, including financial planning, portfolio management, and estate planning.
- Insurance: Provides various insurance products, including property and casualty, life, and health insurance.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank holding company, with various departments responsible for different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate development. Competitors include other regional and national banks, as well as alternative lenders. Market share data is fragmented and difficult to pinpoint exactly at the granular level.
- Mortgage Loans: Offers mortgage loans to individuals for home purchases and refinancing. Competitors include national mortgage lenders, credit unions, and other regional banks. Market share data is fragmented and difficult to pinpoint exactly at the granular level.
- Deposit Accounts: Provides a range of deposit accounts, including checking, savings, and money market accounts. Competitors include national and regional banks, credit unions, and online banks. Market share data is fragmented and difficult to pinpoint exactly at the granular level.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Economic conditions and consumer confidence also play significant roles.
Positioning
CTBI positions itself as a community-focused bank with a strong local presence and a commitment to customer service. Its competitive advantages include its established branch network, experienced staff, and strong reputation in its markets.
Total Addressable Market (TAM)
The TAM for banking services in CTBI's operating region is estimated to be in the billions of dollars. CTBI is well-positioned to capture a portion of this TAM due to its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Commitment to customer service
- Diversified revenue streams
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Higher operating costs compared to online banks
- Susceptibility to regional economic downturns
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for wealth management services
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased competition from online banks
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- PNC
- USB
- FFBC
Competitive Landscape
CTBI faces stiff competition from larger national and regional banks. Its advantages lie in its local knowledge and customer relationships, while its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Cardinal State Bank
- Year: 2015
- Acquisition Price (USD millions): 18.6
- Strategic Rationale: Expanded CTBI's footprint in West Virginia.
Growth Trajectory and Initiatives
Historical Growth: Please consult available financial data sources such as SEC filings to populate
Future Projections: Please consult available financial data sources such as SEC filings to populate
Recent Initiatives: Recent initiatives include investments in technology to enhance customer experience and expansion of wealth management services.
Summary
Community Trust Bancorp Inc. is a regional bank with a strong community focus and diversified revenue streams. Its profitability is affected by external factors, but its experienced team has a history of maintaining revenue growth and dividends. The threats that CTBI should monitor are economic uncertainty, regulatory changes and the changing financial landscape as consumers shift away from traditional banking.
Similar Companies
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Community Trust Bancorp Inc
Exchange NASDAQ | Headquaters Pikeville, KY, United States | ||
IPO Launch date 1993-05-17 | CEO, Chairman & President Mr. Mark A. Gooch CTB | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 934 | Website https://www.ctbi.com |
Full time employees 934 | Website https://www.ctbi.com | ||
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
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