Stock Ratings / Financials / CTBI / earnings

OSBC (67) HBT (70) MCB (66) FMBH (62) ⌘ Pro Terminal →

Community Trust Bancorp Inc. (CTBI) Next Earnings Date & Expected ±5.5% Move

$70.10 +0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $70.39

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.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $1.27B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CTBI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CTBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CTBI compare to OSBC and HBT in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CTBI?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $70.39 (+0.41%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY CTBI SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 66% of 52W Range • RSI-14 at 35.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$74.16+1.2% Next Q

Q2 (-2Q)

Grade B+$75.08-6.1% Next Q

Q3 (-1Q)

Grade B$70.50-0.6% Next Q

Current

Grade B-$70.10+6.6% Hist 90D α

Trajectory: A- (78) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CTBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, CTBI faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($74.86) or 200D SMA ($68.99) invalidates the momentum regime and cuts Target Base ($73.89) toward Bear Floor ($57.48).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CTBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CTBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.5% Swing Band

±$3.86 Expected Swing

MODEL EARNINGS SETUP GAUGE

CTBI Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $5.40 • YoY Revenue Growth: 12.4%

Model Bullish Setup (70/100)Model Risk Weight (30/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$98.1M	$97.4M	52%
FY 2024	2024-12-31	$0	$82.8M	$97.2M	52%
FY 2023	2023-12-31	$0	$78.0M	$85.8M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CTBI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CTBI
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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?

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

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

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

When is CTBI's next earnings date?

Based on SEC filing cadence, Community Trust Bancorp Inc. (CTBI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CTBI stock expected to move on earnings?

Volatility modeling currently projects a ±5.5% event move for CTBI, spanning a range between $66.24 and $73.96.

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