Can Community Trust Bancorp (CTBI) Run Higher on Rising Earnings Estimates?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 22 2025
0mins
Source: NASDAQ.COM
Investment Potential: Community Trust Bancorp (CTBI) shows a promising earnings outlook with analysts raising their estimates, leading to a Zacks Rank #2 (Buy) rating and a 9.9% stock gain over the past month.
Earnings Growth: The company is projected to earn $1.39 per share for the current quarter, reflecting a year-over-year increase of +13.0%, with full-year estimates also showing significant growth potential.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy CTBI?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on CTBI
Wall Street analysts forecast CTBI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CTBI is 57.00 USD with a low forecast of 56.00 USD and a high forecast of 58.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 60.140
Low
56.00
Averages
57.00
High
58.00
Current: 60.140
Low
56.00
Averages
57.00
High
58.00
About CTBI
Community Trust Bancorp, Inc. (CTBI) is a bank holding company. CTBI owns all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. The commercial bank is Community Trust Bank, Inc., Pikeville, Kentucky (CTB) and the trust company is Community Trust and Investment Company, Lexington, Kentucky (CTIC). Through its subsidiaries, CTBI engages in a wide range of commercial and personal banking and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals, and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes; and providing funds transfer services. The lending activities of CTB include making commercial, construction, mortgage, and personal loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Community Trust Bancorp Declares Quarterly Dividend
- Quarterly Dividend Announcement: Community Trust Bancorp (CTBI) declared a quarterly dividend of $0.53 per share, consistent with previous distributions, indicating stable cash flow and profitability, which enhances investor confidence.
- Yield Information: The forward yield of 3.46% provides investors with a relatively attractive return, reflecting the company's robust performance in the current market environment.
- Payment Schedule: The dividend will be payable on April 1, with a record date of March 15 and an ex-dividend date of March 13, ensuring shareholders receive their earnings promptly, thereby reinforcing shareholder loyalty.
- Ratings and Analysis: Despite the stable dividend, market ratings for Community Trust Bancorp have been downgraded, indicating investor caution regarding future growth, which may impact the company's stock performance.
Continue Reading
Community Trust Bancorp Reports Q4 Net Income of $27.28 Million, Up 21% Year-over-Year
- Net Income Growth: Community Trust Bancorp reported a net income of $27.28 million for Q4, translating to $1.51 per share, which represents a 21% increase from last year's $22.49 million and $1.25 per share, indicating a significant enhancement in profitability.
- Interest Income Increase: The net interest income rose by 17.3% to $58.12 million from $49.53 million in the same quarter last year, reflecting effective management in the current interest rate environment and an expanded customer base.
- Increased Credit Loss Provision: The provision for credit losses stood at $2.9 million, up $0.3 million from the prior-year quarter, demonstrating the company's cautious approach towards potential credit risks aimed at maintaining asset quality.
- Decrease in Nonperforming Loans: As of December 31, 2025, total nonperforming loans were $19.2 million, down $7.5 million from a year earlier, showcasing effective measures in credit management and risk control by the company.
Continue Reading