Community Trust Bancorp, Inc. (CTBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$77.76+0.35%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CTBI
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $78 the market pays 1.6× p/b — above the 1.2× p/b peer median but in line with its own 1× history. That premium reflects a durable franchise our peer-anchored $77 fair value understates; treat the 'expensive vs peers' read with medium confidence. Analysts target $76–$82. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $81.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $289.43 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $224.29 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $35.74 | — | — | TTM | high |
| graham number | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$76.00 – $82.00 (median $81.00) · 3 analysts · as of 2026-07-16
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $81.36 |
| — |
| — |
| TTM |
| high |
| Peer P/B | 12M | $61.11 | 1.2 | 49.27 | TTM | high |
| Peer P/FCF | 12M | $81.09 | 11.7 | 6.95 | TTM | high |
| Peer P/E | 12M | $70.38 | 10.9 | 6.46 | ntm analyst | high |
| Peer P/S | 12M | $62.35 | 3.2 | 19.73 | TTM | high |
| PEG | 12M | $75.17 | 12.6 | 5.97 | TTM | high |
| residual income | 12M | $56.39 | — | — | TTM | high |
| Own P/E history | 12M | $73.39 | 12.3 | 5.97 | TTM | high |
| triangulated | 12M | $73.45 | 11.9 | 6.15 | Triangulated | high |
| Peer P/B | 3Y | $82.57 | 1.2 | 66.57 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $115.77 | 11.7 | 9.92 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $70.22 | 10.9 | 6.45 | Analyst | medium |
| Peer P/S | 3Y | $51.30 | 3.2 | 16.23 | Analyst | medium |
| PEG | 3Y | $81.17 | 12.6 | 6.45 | Analyst | medium |
| Own P/E history | 3Y | $79.25 | 12.3 | 6.45 | Analyst | medium |
| Peer P/B | 5Y | $100.90 | 1.2 | 81.35 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $146.80 | 11.7 | 12.58 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $61.66 | 10.9 | 5.66 | Analyst | high |
| Peer P/S | 5Y | $45.05 | 3.2 | 14.25 | Analyst | high |
| PEG | 5Y | $71.27 | 12.6 | 5.66 | Analyst | high |
| Own P/E history | 5Y | $69.59 | 12.3 | 5.66 | Analyst | high |