| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | 1 | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | 1 | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 2.42 |
—
—
—
|
| 2025 | 2.00 |
—
—
—
—
|
| 2024 | 1.86 |
—
—
—
—
|
| 2023 | 1.80 |
—
—
—
—
|
| 2022 | 1.68 |
—
—
—
—
|
| 2021 | 1.57 |
—
—
—
—
|
| 2020 | 1.53 |
—
—
—
—
|
| 2019 | 1.48 |
—
—
—
—
|
| 2018 | 1.38 |
—
—
—
—
|
| 2017 | 1.30 |
—
—
—
—
|
| 2016 | 1.26 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 271.65 | 369.75 | 363.93 | 514.59 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 4,296.74 | 4,826.36 | 5,224.87 | 5,602.34 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 4,724.62 | 5,070.19 | 5,389.06 | 5,657.76 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 4,957.76 | 5,319.23 | 5,706.89 | 5,971.78 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 103.17 | 108.84 | — | — |
—
|
| ’25 | 96.95 | 101.74 | 104.51 | 106.14 |
409.34
|
| ’24 | 90.14 | 92.36 | 95.38 | 98.14 |
376.01
|
| ’23 | 74.68 | 79.58 | 85.00 | 87.05 |
326.31
|
| ’22 | 58.49 | 59.85 | 66.08 | 71.23 |
255.66
|
| ’21 | 59.79 | 59.40 | 60.11 | 59.33 |
238.63
|
| ’20 | 56.22 | 57.85 | 58.54 | 58.40 |
231.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 39.48 | 44.09 | — | — |
—
|
| ’25 | 36.58 | 15.93 | 37.54 | 14.94 |
104.99
|
| ’24 | 26.18 | 19.97 | 36.73 | 22.44 |
105.33
|
| ’23 | 25.17 | 15.45 | 25.14 | 20.08 |
85.85
|
| ’22 | 27.35 | 18.83 | 26.23 | 27.27 |
99.68
|
| ’21 | 31.71 | 38.24 | 11.99 | 33.76 |
115.70
|
| ’20 | 13.72 | 10.90 | 17.57 | 20.19 |
62.38
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 37.93 | 43.07 | — | — |
—
|
| ’25 | 34.51 | 13.57 | 36.37 | 14.05 |
98.50
|
| ’24 | 24.00 | 18.45 | 35.46 | 19.41 |
97.32
|
| ’23 | 24.26 | 14.58 | 22.25 | 18.82 |
79.90
|
| ’22 | 26.28 | 17.64 | 24.70 | 25.47 |
94.09
|
| ’21 | 32.12 | 38.03 | 11.45 | 32.56 |
114.15
|
| ’20 | 13.30 | 10.75 | 17.38 | 19.47 |
60.90
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 1.50 | 1.64 | — | — |
—
|
| ’25 | 1.22 | 1.38 | 1.32 | 1.51 |
5.43
|
| ’24 | 1.04 | 1.09 | 1.23 | 1.25 |
4.61
|
| ’23 | 1.08 | 1.08 | 1.15 | 1.04 |
4.36
|
| ’22 | 1.11 | 1.14 | 1.08 | 1.26 |
4.58
|
| ’21 | 1.33 | 1.34 | 1.19 | 1.08 |
4.94
|
| ’20 | 0.37 | 1.11 | 0.98 | 0.89 |
3.35
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.10 | 32.68 | 38.44 | 44.60 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 48.05 | 47.35 | 61.67 | 61.55 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 985 | 967 | 934 | 930 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.26 | 0.34 | 0.40 | 0.44 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 255.66 | 326.31 | 376.01 | 409.34 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 88.80% | 70.72% | 66.10% | 69.04% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 101.04 | 98.57 | 106.69 | 127.09 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.52% | 30.21% | 28.37% | 31.05% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 81.81 | 78.00 | 82.81 | 98.06 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.69 | 8.01 | 7.57 | 8.30 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.33 | 18.24 | 20.95 | 22.72 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 4.59 | 4.36 | 4.61 | 5.44 | ‡‡‡‡‡ | ‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.59 | 4.80 | 5.87 | 5.83 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.31) | (0.33) | (0.45) | (0.36) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.28 | 4.47 | 5.42 | 5.47 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.21 | 39.26 | 42.21 | 47.53 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.84 | 17.89 | 17.95 | 18.01 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.10 | 10.09 | 11.50 | 10.39 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.24 | 2.41 | 2.53 | 2.49 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.32 | 1.12 | 1.26 | 1.19 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.83 | 2.50 | 2.35 | 2.33 | ‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.41 | 10.21 | 9.07 | 9.70 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 99.68 | 85.85 | 105.33 | 104.99 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (5.60) | (5.95) | (8.01) | (6.49) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 94.09 | 79.90 | 97.32 | 98.50 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (832.37) | (661.02) | (492.87) | (482.02) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 279.66 | 68.01 | 67.77 | 68.57 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 150.73 | (203.63) | (301.98) | (295.36) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 628.05 | 702.21 | 757.58 | 856.07 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.52% | 1.40% | 1.38% | 1.52% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.11% | 12.36% | 14.64% | 14.17% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 12.34% | 11.73% | 11.35% | 12.15% | — | — | — |
ROE
|
Community Trust Bancorp (CTBI), a low-profile regional bank in Kentucky and the Southeast, has delivered resilient growth with revenue surging at over 8.5% CAGR to $376 million in 2024, driven by exceptional efficiency—revenue per employee more than doubling to $402,000 amid a leaner workforce. Profitability shines with EPS up 70% to $4.61, ROE at 11.4%, and ROIC doubling to 14.6%, backed by a fortress balance sheet: debt slashed 76% to a $302 million net cash position and equity up 20%. Yet, margins have compressed amid rising loan provisions, hinting at underlying pressures.
Analysts forecast a stark 25% revenue plunge in 2025 due to Fed rate cuts squeezing net interest margins—echoing past cycles—before a partial rebound, with EPS still climbing to $6.02 by 2027. Trading at bargain multiples (11x forward PE, 2.5x PS, 1.3x PB) versus peers, with tepid 8% upside targets and modest insider buying, CTBI looks undervalued but vulnerable to credit risks like commercial real estate.
Contrarians question if the efficiency boom masks rate and recession traps, or if CTBI’s cash hoard and operational leverage position it for outperformance in turbulent times—making this unassuming lender a potential sleeper hit or value trap worth dissecting.
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