NASD · Financial · Banks - Regional · USA
Community Trust Bancorp Inc is a small cap company (market value between $300 million and $2 billion) in the Banks - Regional industry.
Community Trust Bancorp Inc is a bank holding company operating a commercial bank and trust company across eastern Kentucky, southern West Virginia, and northeastern Tennessee. The company offers deposit-taking, lending, cash management, letters of credit, and trust and wealth management services to individuals and businesses in its markets.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Community Trust Bancorp Inc stock.
Slightly undervalued: intrinsic value $79.37 per share, market price $75.30, margin of safety 5.1% (as of 2026-10-20).
Book value at 1.77x, the multiple a 12.7% return on equity justifies, blended with earnings, values the shares at $79.37; the price of $75.30 is 5% below that value.
Leak Score: 44/100 on 12 of 12 signals (On Watch).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
118 more in this industry show a wider margin of safety.
CTBI is slightly undervalued (as of the 2026-10-20 close). Book value at 1.77x, the multiple a 12.7% return on equity justifies, blended with earnings, values the shares at $79.37; the price of $75.30 is 5% below that value.
$79.37 per share (as of the 2026-10-20 close), against a market price of $75.30. That is a margin of safety of 5.1%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
44 out of 100, which we rate "On Watch", on 12 of 12 value investing signals.