CTBI PE Ratio & Valuation,Is CTBI Overvalued

CTBI Relative Valuation

CTBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CTBI is overvalued; if below, it's undervalued.

Historical Valuation

Community Trust Bancorp Inc (CTBI) is now in the Fair zone, suggesting that its current forward PE ratio of 10.18 is considered Fairly compared with the five-year average of 9.87. The fair price of Community Trust Bancorp Inc (CTBI) is between 54.81 to 64.05 according to relative valuation methord.

Relative Value

Fair Zone

54.81-64.05

Current Price：59.80

Fair

10.18

0.00

EV/EBITDA

Community Trust Bancorp Inc. (CTBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Community Trust Bancorp Inc. (CTBI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.37

Community Trust Bancorp Inc. (CTBI) has a current PS of 3.37. The 5-year average PS is 3.31. The thresholds are as follows: Strongly Undervalued below 2.70, Undervalued between 2.70 and 3.00, Fairly Valued between 3.62 and 3.00, Overvalued between 3.62 and 3.93, and Strongly Overvalued above 3.93. The current Forward PS of 3.37 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Community Trust Bancorp Inc. (CTBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Community Trust Bancorp Inc. (CTBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Community Trust Bancorp Inc (CTBI) has a current Price-to-Book (P/B) ratio of 1.20. Compared to its 3-year average P/B ratio of 1.13 , the current P/B ratio is approximately 6.04% higher. Relative to its 5-year average P/B ratio of 1.14, the current P/B ratio is about 5.37% higher. Community Trust Bancorp Inc (CTBI) has a Forward Free Cash Flow (FCF) yield of approximately 11.45%. Compared to its 3-year average FCF yield of 10.38%, the current FCF yield is approximately 10.28% lower. Relative to its 5-year average FCF yield of 11.29% , the current FCF yield is about 1.47% lower.

1.20

P/B

Median3y

1.13

Median5y

1.14

11.45

FCF Yield

Median3y

10.38

Median5y

11.29

Competitors Valuation Multiple

The average P/S ratio for CTBI's competitors is , providing a benchmark for relative valuation. Community Trust Bancorp Inc Corp (CTBI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 13.00%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CTBI increased by 13.33% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 54.05M to 61.07M.

The secondary factor is the Margin Expansion, contributed 4.11%to the performance.

Overall, the performance of CTBI in the past 1 year is driven by Revenue Growth. Which is more sustainable.

13.00%

54.05M → 61.07M

Revenue Growth

4.11%

34.56 → 35.98

Margin Expansion

-3.78%

11.30 → 10.88

P/E Change

13.33%

53.03 → 60.10

Mkt Cap Growth

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Frequently Asked Questions

Is Community Trust Bancorp Inc (CTBI) currently overvalued or undervalued?

What is Community Trust Bancorp Inc (CTBI) fair value?

CTBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Community Trust Bancorp Inc (CTBI) is between 54.81 to 64.05 according to relative valuation methord.

How does CTBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

As of Dec 16 2025, Community Trust Bancorp Inc (CTBI) has a P/B ratio of 1.20. This indicates that the market values CTBI at 1.20 times its book value.

What is the current FCF Yield for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

As of Dec 16 2025, Community Trust Bancorp Inc (CTBI) has a FCF Yield of 11.45%. This means that for every dollar of Community Trust Bancorp Inc’s market capitalization, the company generates 11.45 cents in free cash flow.

What is the current Forward P/E ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

As of Dec 16 2025, Community Trust Bancorp Inc (CTBI) has a Forward P/E ratio of 10.18. This means the market is willing to pay $10.18 for every dollar of Community Trust Bancorp Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

As of Dec 16 2025, Community Trust Bancorp Inc (CTBI) has a Forward P/S ratio of 3.37. This means the market is valuing CTBI at $3.37 for every dollar of expected revenue over the next 12 months.

CTBI Valuation

CTBI Valuation

CTBI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Community Trust Bancorp Inc (CTBI) currently overvalued or undervalued?

What is Community Trust Bancorp Inc (CTBI) fair value?

How does CTBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

What is the current FCF Yield for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

What is the current Forward P/E ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?

What is the current Forward P/S ratio for Community Trust Bancorp Inc (CTBI) as of Dec 16 2025?