Community Trust Bancorp (CTBI)
Runs community banking, lending, and trust services across Kentucky and nearby Appalachian markets.
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Combines a commercial bank with a trust company, offering deposits, loans, cash management, wealth, brokerage, and insurance services across Kentucky, southern West Virginia, and northeastern Tennessee. A single operating-segment structure keeps the business tied to local-market banking relationships.
Runs a Pikeville-based community banking platform built around Community Trust Bank and Community Trust and Investment Company. Core services include deposits, commercial and personal lending, cash management, trust administration, wealth management, brokerage, and insurance.
Serves small and mid-sized communities across Kentucky, southern West Virginia, and northeastern Tennessee, with the franchise tracing back to Pikeville National Bank. Execution centers on relationship deposits, local lending, and trust services delivered through an established branch network.
Operates as a Kentucky bank holding company under Federal Reserve oversight, with internal decisions made as a single operating segment. Loan performance and funding depend on economic conditions in its Appalachian and Central Kentucky markets.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 1, 2026 | Raymond James | Initiate | Rating: — | |
| Jul 16, 2026 | Raymond James | Reiterate | Rating: —Target: $61 | Target: $82 |
| Jul 16, 2026 | Piper Sandler | Reiterate | Rating: —Target: $76 | Target: $81 |
| Jun 11, 2026 | Piper Sandler | Target | Target: — | Target: $76 |
| Oct 15, 2025 | Raymond James | Target | Target: $60 | Target: $61 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $205.7M · Total debt $377.5M · Total assets $6.99B · Shareholders' equity $891.8M
- Revenue
- $108.8M
- Operating income
- $38.3M
- Net income
- $29.6M
HistoryDividendAnnual yield
| Institutions | ≈ 62.44% | 11.34M shares | |
|---|---|---|---|
| 192 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 1.76% | 319.5K shares | |
| 23 holders · as of Aug 17, 2026 | |||
| Other | ≈ 35.80% | 6.50M shares | |
| remainder | |||
18.17M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 9.82% | 1.78M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.54% | 1.19M | as of Jun 30, 2026 |
Community Trust & Investment CoInstitution | 5.53% | 1.00M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.77% | 684,030 | as of Jun 30, 2026 |
American Century Companies IncInstitution | 3.16% | 574,534 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 14, 2026 | Franky Minnifield | director | −3,900 | $78.85 |
| Mar 13, 2026 | Ricky D. Sparkman | officer: Executive Vice President | +84 | $58.50 |
- WesBanco
WV-KY community banking, trust, brokerage, and insurance overlap
- City
WV-eastern Kentucky community-bank and wealth overlap
- United Bankshares
Large WV-based bank overlap in deposits, lending, and wealth
- Stock Yards Bancorp
Kentucky commercial banking and wealth-trust overlap
- Republic Bancorp
Kentucky branch banking and commercial-consumer lending overlap
- FB Financial
Tennessee-Kentucky banking, mortgage, and trust overlap
- First Financial Bancorp
Ohio Valley banking and wealth-management overlap
- First Horizon
Large Tennessee regional bank with broad lending and wealth overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Community Trust Bancorp | $74.68 | −0.55% | $1.36B | 12.6 | 11.6 | 3.2 | +11.8% |
| WesBanco | $38.35 | −0.37% | $3.69B | 10.9 | 10.5 | 2.4 | +6.3% |
| City | $140.01 | +0.30% | $1.97B | 15.3 | 14.9 | 5.2 | +7.7% |
| United Bankshares | $46.45 | −0.17% | $6.41B | 12.7 | 12.4 | 3.6 | +6.0% |
| Stock Yards Bancorp | $77.64 | −0.63% | $2.31B | 15.6 | 14.4 | 4.1 | +17.2% |
| Republic Bancorp | $93.42 | −0.32% | $1.64B | 14.5 | 13.8 | 3.2 | +9.7% |
| FB Financial | $52.82 | −0.72% | $2.74B | 14.2 | 10.7 | 2.6 | +18.5% |
| First Financial Bancorp | $31.26 | −0.24% | $3.29B | 11.1 | 9.8 | 2.5 | +16.7% |
| First Horizon | $23.25 | −0.41% | $11.08B | 11.2 | 10.7 | 2.4 | +9.9% |
| Median | 13.5 | 11.6 | 2.9 | +9.8% |