Financial Analysis: Community Trust Bancorp (CTBI) and Its Competitors

Community Trust Bancorp (NASDAQ: CTBI) is one of 302 publicly-traded companies in the “Banks” industry, but how does it contrast to its peers? We will compare Community Trust Bancorp to similar companies based on the strength of its profitability, dividends, risk, valuation, earnings, institutional ownership and analyst recommendations.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Community Trust Bancorp and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Trust Bancorp 0 2 0 0 2.00
Community Trust Bancorp Competitors 2171 8575 8603 338 2.36

Community Trust Bancorp currently has a consensus price target of $43.00, suggesting a potential downside of 10.04%. As a group, “Banks” companies have a potential downside of 8.09%. Given Community Trust Bancorp’s peers stronger consensus rating and higher probable upside, analysts clearly believe Community Trust Bancorp has less favorable growth aspects than its peers.

Profitability

This table compares Community Trust Bancorp and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community Trust Bancorp 24.15% 9.47% 1.20%
Community Trust Bancorp Competitors 18.69% 8.27% 0.93%

Dividends

Community Trust Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.8%. Community Trust Bancorp pays out 48.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 34.5% of their earnings in the form of a dividend. Community Trust Bancorp has raised its dividend for 36 consecutive years.

Risk and Volatility

Community Trust Bancorp has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, Community Trust Bancorp’s peers have a beta of 0.77, indicating that their average share price is 23% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community Trust Bancorp and its peers gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Community Trust Bancorp $195.02 million $47.34 million 17.45
Community Trust Bancorp Competitors $5.50 billion $827.87 million 83.05

Community Trust Bancorp’s peers have higher revenue and earnings than Community Trust Bancorp. Community Trust Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

56.1% of Community Trust Bancorp shares are owned by institutional investors. Comparatively, 52.1% of shares of all “Banks” companies are owned by institutional investors. 4.8% of Community Trust Bancorp shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Community Trust Bancorp peers beat Community Trust Bancorp on 10 of the 15 factors compared.

Community Trust Bancorp Company Profile

Community Trust Bancorp, Inc. is a bank holding company. The Company holds interests in a commercial bank, Community Trust Bank, Inc. (the Bank), and a trust company, Community Trust and Investment Company. Through its subsidiaries, the Company engages in a range of commercial and personal banking, and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes, and providing funds transfer services. Its loan portfolio includes commercial loans, such as construction loans, loans secured by real estate, equipment lease financing and commercial other loans; residential loans, such as real estate construction loans, real estate mortgages and home equity loans, and consumer loans, such as consumer direct loans and consumer indirect loans.

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