CTBI:NASDAQCommunity Trust Bancorp, Inc. Analysis
Data as of 2026-03-27 - not real-time
$60.64
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
Community Trust Bancorp (CTBI) trades well below its discounted cash‑flow implied fair value, offering a clear margin of safety for value‑oriented investors. The stock’s price sits near a strong support level and benefits from a low price‑to‑earnings multiple that is comfortably beneath the industry average, while the dividend yield remains attractive with a modest payout ratio, indicating sustainability.
Technical indicators reinforce the upside case: the MACD histogram has turned positive, suggesting bullish momentum, and volume is on an upward trend despite a neutral overall price trend. RSI is in the middle range, avoiding overbought conditions, and the low beta points to limited sensitivity to broader market swings, though a 30‑day volatility reading signals a need for cautious position sizing.
Technical indicators reinforce the upside case: the MACD histogram has turned positive, suggesting bullish momentum, and volume is on an upward trend despite a neutral overall price trend. RSI is in the middle range, avoiding overbought conditions, and the low beta points to limited sensitivity to broader market swings, though a 30‑day volatility reading signals a need for cautious position sizing.
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 7/10
Key Factors
- Price near strong support with upside potential
- Bullish MACD histogram and rising volume
- Attractive dividend yield with low payout
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Significant undervaluation relative to DCF and peers
- Solid revenue growth and profit margins
- Low PE multiple and defensive banking franchise
Long Term
> 3 yearsPositive
Model confidence: 9/10
Key Factors
- Sustainable dividend supported by strong cash flow
- Low beta indicating defensive characteristics
- Stable regional market presence with consistent earnings
Key Metrics & Analysis
Financial Health
Revenue Growth13.80%
Profit Margin36.30%
P/E Ratio11.2
ROE12.15%
ROA1.52%
P/B Ratio1.3
Op. Cash Flow$105.0M
Industry P/E16.4
Technical Analysis
TrendNeutral
RSI52.7
Support$56.85
Resistance$62.29
MA 20$59.66
MA 50$61.31
MA 200$56.89
MACDBullish
VolumeIncreasing
Fear & Greed Index71.45
Valuation
Fair Value$79.82
Target Price$69.00
Upside/Downside13.79%
GradeUndervalued
TypeValue
Dividend Yield3.50%
Risk Assessment
Beta0.63
Volatility25.38%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
Similar Tickers
This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.