Start here if you're new
what it is
CTBI is a Kentucky bank founded in 1903 that takes deposits, makes loans, and sells trust and insurance services.
how it gets paid
Last year Commun. Trust Bncp made $346M in revenue. Net interest income was the main engine at $245M, or 71% of sales.
why it's growing
Revenue grew 10.3% last year. $3.92 EPS mattered most because it shows the bank converted higher revenue into real earnings growth.
what just happened
CTBI posted $256M of revenue and $3.92 EPS in the latest quarter.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
90/100 earnings predictability — you can trust these numbers
11.5x trailing p/e — the market's not buying it — or you found a deal
3.6% dividend yield — cash in your pocket every quarter
$4.61 fy2024 eps est
xvary composite: 67/100 — average
What they do
CTBI is a Kentucky bank founded in 1903 that takes deposits, makes loans, and sells trust and insurance services.
You are looking at $5.38B of deposits and $4.73B of net loans. That is customer money and customer debt tied together in one place. Leaving is painful because your checking account, loan, and trust relationship all move at once.
How they make money
$346M
annual revenue · their business grew +10.3% last year
Net interest income
$245M
+10.3%
Trust and estate fees
$38M
+5.0%
Deposit service charges
$27M
+4.0%
Insurance commissions
$18M
+2.0%
Brokerage and other fees
$18M
+3.0%
The products that matter
earns spread income
Commercial & Consumer Loans
powered by a $6.3B asset base
this is the engine behind the $270.2M net interest income bucket, which makes up 78.1% of the reported revenue mix. If you are buying CTBI, this is what you are really buying.
core engine
funds the balance sheet
Deposit Services
supports lending economics
deposits decide how much of the lending spread CTBI gets to keep. The catch is simple: when funding costs rise, profitability feels it fast.
cost of funds
adds fee income
Trust & Wealth Management
$75.8M non-interest income
this bucket matters because $75.8M of non-interest income gives CTBI something other than loan spreads to work with. Useful diversification, just not enough to run the whole story.
stability layer
Key numbers
$346M
annual revenue
That is the full year top line. For a $1B market cap bank, one bad credit cycle can move the stock.
$5.38B
deposits
This is your funding base. More deposits mean more cheap money to make loans with.
$4.73B
net loans
This is the asset side that earns the spread. If borrowers weaken, this number becomes the problem.
3.6%
dividend yield
You are getting paid to wait. That matters when the stock trades at 11.5x earnings.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 85 / 100
- long-term debt $68M (6% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CTBI right now.
source: institutional data · return history unavailable
What just happened
beat estimates
CTBI posted $256M of revenue and $3.92 EPS in the latest quarter.
Revenue jumped 189% vs. prior year. EPS rose 197% vs. prior year, which is what happens when a bank gets a much stronger earnings mix.
$87M
revenue
$3.92
eps
n/a
n/a
the number that mattered
$3.92 EPS mattered most because it shows the bank converted higher revenue into real earnings growth.
source: company earnings report, 2026
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What could go wrong
CTBI's risk profile is specific, not mysterious: a bank with 78.1% of reported revenue tied to net interest income is living and dying by spread math.
med
net interest margin compression
Net interest income was $270.2M, or 78.1% of the reported revenue mix. If the spread between deposit costs and loan yields narrows, the main earnings engine slows first and asks questions later.
Most of the revenue base is exposed to this single moving part.
med
regional concentration
This is a regional lender, not a national balance sheet. If the local economy weakens, loan demand and credit quality can worsen together. Small banks do not get many places to hide.
A narrower footprint means the bank feels local stress more directly.
low
fee income helps, but it does not run the thesis
Non-interest income was $75.8M, or 21.9% of the reported mix. That's useful diversification. It is not enough to fully offset weaker lending spreads if the core banking economics soften.
The business is more than a pure lender, but not enough more to ignore rate risk.
If spread income weakens, the 78.1% revenue bucket matters more than anything else on the page, and the 36% margin story gets thinner fast.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income
$270.2M is the key number. If that stops growing, the cheap-looking multiple stops doing much analytical work for you.
calendar
next earnings print
The next quarter needs to show the $27.3M profit print was not just a friendly moment for spreads.
risk
deposit pricing pressure
When deposit costs rise faster than loan yields, regional banks feel it quickly. That's how a decent year turns into a merely fine one.
trend
dividend durability
A 3.6% yield helps the case today. If earnings stay steady, it stays attractive. If earnings soften, income investors start asking harder questions.
Analyst rankings
earnings predictability
90 / 100
in human-speak, analysts think CTBI's earnings are steady and management rarely throws curveballs.
risk rank
3
That puts it near the middle on overall risk. Not fragile, not a fortress.
price stability
85 / 100
The stock has been relatively stable. You are buying banking earnings risk more than price drama.
source: institutional data
Institutional activity
institutional ownership data for CTBI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$60
current price
n/a
target midpoint · n/a from current
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