Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp enjoyed a good first half to the year, with a wider net interest margin driving over 20% year-on-year growth in earnings per share. Asset quality remains resilient. Net charge-offs and early-stage delinquencies are both stable since my last update. The stock trades for 1.2x book value. Given a 4% dividend yield, circa 40% payout ratio, and a solid double-digit return on equity, a double-digit annualized return for investors remains doable.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

PIKEVILLE, Ky.--(BUSINESS WIRE)--On July 22, 2025, the Board of Directors of Community Trust Bancorp, Inc. (NASDAQ: CTBI) increased its quarterly cash dividend to $0.53 per share beginning with the October 1, 2025 payment to shareholders of record on September 15, 2025. This represents an increase of 12.8% in the quarterly cash dividend. “We are pleased to have increased the cash dividend to our shareholders for the 45th consecutive year," said Mark A. Gooch, Chairman, President, and CEO. Commu.

Community Trust Bancorp (CTBI) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.38 per share, beating the Zacks Consensus Estimate of $1.27 per share. This compares to earnings of $1.09 per share a year ago.

PIKEVILLE, Ky.--(BUSINESS WIRE)--Community Trust Bancorp, Inc.: Earnings Summary (in thousands except per share data) 2Q 2025 1Q 2025 2Q 2024 YTD 2025 YTD 2024 Net income $24,899 $21,972 $19,499 $46,871 $38,178 Earnings per share $1.38 $1.22 $1.09 $2.60 $2.13 Earnings per share - diluted $1.38 $1.22 $1.09 $2.60 $2.13             Return on average assets 1.58% 1.44% 1.35% 1.51% 1.33% Return on average equity 12.51% 11.50% 11.03% 12.01% 10.82% Efficiency ratio 50.70% 51.86% 52.17% 51.26% 53.51% T.

PIKEVILLE, Ky.--(BUSINESS WIRE)--Community Trust Bancorp, Inc. (NASDAQ: CTBI) is pleased to announce the appointment of David L. Baird to its Board of Directors. A native of Pikeville, Kentucky, Mr. Baird is an attorney and shareholder at Baird & Baird, P.S.C. in Pikeville, Kentucky. He earned a Bachelor of Science degree from the Richard T. Farmer School of Business at Miami University (Ohio). He earned his Juris Doctor from the Salmon P. Chase College of Law at Northern Kentucky Universit.

UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC boosted its stake in Community Trust Bancorp, Inc. (NASDAQ:CTBI – Free Report) by 51.4% in the fourth quarter, according to its most recent filing with the Securities & Exchange Commission. The institutional investor owned 17,454 shares of the financial services provider’s stock after buying an additional 5,929 shares during the period. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC owned 0.10% of Community Trust Bancorp worth $926,000 at the end of the most recent quarter. A number of other institutional investors and hedge funds have also recently bought and sold shares of CTBI. US Bancorp DE boosted its position in shares of Community Trust Bancorp by 311.8% during the 4th quarter. US Bancorp DE now owns 560 shares of the financial services provider’s stock valued at $30,000 after purchasing an additional 424 shares in the last quarter. Federated Hermes Inc. bought a new position in shares of Community Trust Bancorp during the 4th quarter valued at about $46,000. New York State Teachers Retirement System bought a new position in shares of Community Trust Bancorp during the 4th quarter valued at about $75,000. Quantbot Technologies LP boosted its position in shares of Community Trust Bancorp by 43.5% during the 4th quarter. Quantbot Technologies LP now owns 1,824 shares of the financial services provider’s stock valued at $97,000 after purchasing an additional 553 shares in the last quarter. Finally, Tower Research Capital LLC TRC boosted its position in shares of Community Trust Bancorp by 317.4% during the 4th quarter. Tower Research Capital LLC TRC now owns 1,824 shares of the financial services provider’s stock valued at $97,000 after purchasing an additional 1,387 shares in the last quarter. Institutional investors own 60.20% of the company’s stock. Community Trust Bancorp Price Performance CTBI stock opened at $52.69 on Wednesday. The company has a current ratio of 0.90, a quick ratio of 0.90 and a debt-to-equity ratio of 0.09. Community Trust Bancorp, Inc. has a one year low of $40.19 and a one year high of $61.67. The firm has a market capitalization of $954.27 million, a PE ratio of 11.43 and a beta of 0.58. The firm has a 50-day moving average of $49.82 and a two-hundred day moving average of $52.61. Community Trust Bancorp (NASDAQ:CTBI – Get Free Report) last posted its quarterly earnings data on Wednesday, April 16th. The financial services provider reported $1.22 EPS for the quarter, beating analysts’ consensus estimates of $1.19 by $0.03. Community Trust Bancorp had a net margin of 22.02% and a return on equity of 11.36%. The company had revenue of $66.16 million during the quarter, compared to analyst estimates of $64.92 million. During the same period in the prior year, the firm earned $1.04 earnings per share. On average, analysts forecast that Community Trust Bancorp, Inc. will post 5.06 earnings per share for the current year. Community Trust Bancorp Dividend Announcement The company also recently disclosed a quarterly dividend, which will be paid on Tuesday, July 1st. Shareholders of record on Sunday, June 15th will be paid a dividend of $0.47 per share. This represents a $1.88 dividend on an annualized basis and a yield of 3.57%. The ex-dividend date is Friday, June 13th. Community Trust Bancorp’s dividend payout ratio is presently 39.25%. Wall Street Analysts Forecast Growth Several research firms have recently weighed in on CTBI. Raymond James reduced their price objective on shares of Community Trust Bancorp from $60.00 to $58.00 and set an “outperform” rating for the company in a research report on Wednesday, April 2nd. Piper Sandler reduced their price objective on shares of Community Trust Bancorp from $60.00 to $56.00 and set an “overweight” rating for the company in a research note on Thursday, April 17th. Read Our Latest Stock Analysis on Community Trust Bancorp Insider Buying and Selling at Community Trust Bancorp In related news, Director Franky Minnifield purchased 2,000 shares of Community Trust Bancorp stock in a transaction dated Monday, June 2nd. The stock was acquired at an average cost of $51.01 per share, with a total value of $102,020.00. Following the completion of the transaction, the director now directly owns 17,099 shares of the company’s stock, valued at $872,219.99. This trade represents a 13.25% increase in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this hyperlink. Insiders own 4.30% of the company’s stock. Community Trust Bancorp Profile (Free Report) Community Trust Bancorp, Inc operates as the bank holding company for Community Trust Bank, Inc that engages in the provision of commercial and personal banking, and trust and wealth management services to small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia, and northeastern Tennessee.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

While the top- and bottom-line numbers for Community Trust Bancorp (CTBI) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.22 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.04 per share a year ago.

PIKEVILLE, Ky.--(BUSINESS WIRE)--Community Trust Bancorp, Inc. (NASDAQ-CTBI):  Earnings Summary (in thousands except per share data) 1Q 2025 4Q 2024 1Q 2024 Net income $21,972 $22,493 $18,679 Earnings per share $1.22 $1.25 $1.04 Earnings per share – diluted $1.22 $1.25 $1.04         Return on average assets 1.44% 1.47% 1.30% Return on average equity 11.50% 11.77% 10.61% Efficiency ratio 51.86% 51.60% 54.94% Tangible common equity 11.57% 11.30% 11.10%         Dividends declared per share $0.47 $.

Community Trust Bancorp (CTBI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Trust Bancorp (CTBI) have what it takes?

In a period in which banks have been up and then right back down again, shares of Kentucky's Community Trust Bancorp have done okay since my opening piece last September. Cheaper funding on the back of 100bps of interest rate cuts has helped drive some of the net interest margin expansion I was looking for back then. Concerns about where the U.S. economy is headed have also picked up. Given its record, I think this is a bank that could do better than average in a downturn.