CTBI Valuation

Community Trust Bancorp Inc

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55.990

+2.23(4.148%)1D

Overview
Forecast
Valuation
Earnings

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.

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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 9.82. The fair price of Community Trust Bancorp Inc (CTBI) is between 47.72 to 56.72 according to relative valuation methord.

Relative Value

Fair Zone

47.72-56.72

Current Price：53.76

Fair

10.18

Trailing

Forward

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 3.27. The thresholds are as follows: Strongly Undervalued below 2.59, Undervalued between 2.59 and 2.93, Fairly Valued between 3.61 and 2.93, Overvalued between 3.61 and 3.95, and Strongly Overvalued above 3.95. 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 1.15 , the current P/B ratio is approximately 4.19% higher. Relative to its 5-year average P/B ratio of 1.12, the current P/B ratio is about 6.98% 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 10.59%, the current FCF yield is approximately 8.15% lower. Relative to its 5-year average FCF yield of 11.36% , the current FCF yield is about 0.77% lower.

1.20

P/B

Median3y

1.15

Median5y

1.12

11.45

FCF Yield

Median3y

10.59

Median5y

11.36

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Competitors Valuation Multiple

The average P/S ratio for CTBI's competitors is 2.80, providing a benchmark for relative valuation. Community Trust Bancorp Inc Corp (CTBI) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 13.00%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CTBI.O

Community Trust Bancorp Inc

Amalgamated Financial Corp

Tompkins Financial Corp

Burke & Herbert Financial Services Corp

First Mid Bancshares Inc

Southside Bancshares Inc

3.05

1.04%

899.40M

Performance Decomposition

Market capitalization of CTBI increased by 12.88% 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

-4.23%

11.36 → 10.88

P/E Change

12.88%