Stock Ratings / Financials / CTBI / dividends

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Community Trust Bancorp Inc. (CTBI) Dividend Safety Gauge & 10-Year DRIP Compounder

$70.10 +0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Community Trust Bancorp Inc. (CTBI) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $1.27B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CTBI)Realized 20D OHLCV Swing Band: ±5.5%

CASH DIVIDEND + BUYBACK YIELD

4.63% Total Yield

2.83% Cash ($1.98/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

24% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $25,010

Est. Year-10 Shareholder Yield: $1,158/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.0K

Yr 2

$13.2K

Yr 3

$14.4K

Yr 4

$15.8K

Yr 5

$17.3K

Yr 6

$19.0K

Yr 7

$20.8K

Yr 8

$22.8K

Yr 9

$25.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CTBI & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CTBI and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CTBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.96%📐 WEDGE COMPRESSION COIL

2026-10-30O $70.69H $71.40L $68.76C $70.10VOL 140.8K

RES: $77.58SUP: $67.31SMA50: $74.86SMA200: $68.99

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CTBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CTBI Butterfly Map → + Track CTBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CTBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CTBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CTBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CTBI)

Financials Rank #150 of 1096 ⚔️ OSBC vs CTBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (CTBI vs. OSBC, HBT, MCB, FMBH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Community Trust Bancorp Inc. (CTBI) ranks #150 by composite RQD confidence (70/100, grade B-) and #515 by equity capitalization ($1.27B). Within this direct 5-issuer industry benchmark cohort, CTBI leads on earnings valuation at 13.0x trailing P/E, while HBT leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. CTBI currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CTBI ACTIVE Community Trust Bancorp Inc.	B-	70/100	13.0x	—	11.5%	+0.97%	$1.27B	Benchmark Subject
OSBC Old Second Bancorp Inc.	C+	67/100	15.6x	—	9.0%	+0.90%	$1.25B	/osbc-vs-ctbi →
HBT HBT Financial Inc.	B-	70/100	17.4x	—	12.5%	+1.10%	$1.34B	/hbt-vs-ctbi →
MCB Metropolitan Bank Holding Corp.	C+	66/100	16.8x	—	9.6%	-0.20%	$1.20B	/mcb-vs-ctbi →
FMBH First Mid Bancshares Inc.	C	62/100	14.8x	—	9.6%	+1.21%	$1.36B	/fmbh-vs-ctbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000350852

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community Trust Bancorp Inc. (CTBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $98.1M, operating cash flow of $105.0M, and free cash flow of $97.4M (+0.1% YoY). On the balance sheet, CTBI closed FY2025 with $6.68B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$98.1M	$105.0M	$97.4M	$6.68B	—
FY2024 (FY)	2024-12-31	$0	$82.8M	$105.3M	$97.2M	$6.19B	—
FY2023 (FY)	2023-12-31	$0	$78.0M	$85.8M	$85.8M	—	—

3. CTBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CTBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Community Trust Bancorp Inc. (NASDAQ: CTBI) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $70.10 (+0.97% 1D, market cap $1.27B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CTBI ranks #150 in composite RQD confidence.

How does CTBI compare to OSBC and HBT in the Financials sector?

Within the Financials sector (Major Banks), CTBI carries a Roarable B- (70/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.5%. By comparison, OSBC (Old Second Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 15.6x, ROIC 9.0%, cap $1.25B) and HBT (HBT Financial Inc.) posts a B- grade (70/100 RQD, P/E 17.4x, ROIC 12.5%, cap $1.34B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CTBI?

Per CTBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000350852), Community Trust Bancorp Inc. generated $0 in revenue, $98.1M in net income, and $97.4M in free cash flow against $6.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CTBI trading relative to its 50-day, 200-day, and 52-week technical levels?

CTBI last traded at $70.10 (+0.97% on volume of 166,467 shares), positioning the stock -6.36% below its 50-day simple moving average ($74.86) and +1.61% above its 200-day simple moving average ($68.99). Across its 52-week range of $50.68 to $79.92, CTBI sits at the 66.4% percentile with a 14-day RSI of 35.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($66.24 to $73.96).

CTBI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CTBI pay a dividend and is it safe?

Community Trust Bancorp Inc. (CTBI) offers a 2.83% cash dividend yield ($1.98 annualized) and 4.63% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CTBI RQD Cockpit CTBI 12M Forecast CTBI Earnings & Move CTBI Dividends & DRIP CTBI Insiders & 13F CTBI Whale Options CTBI Profit Sankey CTBI News & Why