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Community Trust Bancorp, Inc. (CTBI) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $65.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.7% away).

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term... Read more

$65.50+2.8% A.UpsideScore 6.3/10#32 of 142 Banks - Regional
Stop $62.30Target $67.35(resistance)A.R:R -0.8:1
Analyst target$72.50+10.7%2 analysts
$67.35our TP
$65.50price
$72.50mean
$73

Hold if already holding. Not a fresh buy at $65.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.7% away). Chart setup: RSI 53 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 82d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.7% away)

Key Metrics

P/E (TTM)11.4
P/E (Fwd)10.4
Mkt Cap$1.2B
EV/EBITDA
Profit Mgn37.0%
ROE12.5%
Rev Growth14.8%
Beta0.55
Dividend3.26%
Rating analysts8

Quality Signals

Piotroski F7/9

Options Flow

IV49%normal
Max Pain$80+22.1% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -0.8=NEGATIVEMomentum 5.2<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.2>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 82d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
53 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $60.40Resistance $68.72

Price Targets

$62
$67
A.Upside+2.8%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-5.9% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-22 (82d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CTBI stock a buy right now?

Hold if already holding. Not a fresh buy at $65.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.7% away). Chart setup: RSI 53 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $67.35 (+2.8%), stop $62.30 (−5.1%), A.R:R -0.8:1. Score 6.3/10, moderate confidence.

What is the CTBI stock price target?

Take-profit target: $67.35 (+2.8% upside). Target $67.35 (+2.8%), stop $62.30 (−5.1%), A.R:R -0.8:1. Stop-loss: $62.30.

What are the risks of investing in CTBI?

Analyst target reached - limited upside remaining; Near 52-week high (4.7% away).

Is CTBI overvalued or undervalued?

Community Trust Bancorp, Inc. trades at a P/E of 11.4 (forward 10.4). TrendMatrix value score: 9.0/10. Verdict: Hold.

What do analysts say about CTBI?

8 analysts cover CTBI with a consensus score of 4.1/5. Average price target: $73.

What does Community Trust Bancorp, Inc. do?Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various...

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

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