COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
State Commercial Banks · Financial Services · $1.3B
Intrinsic Value (Consensus)
$125.64
Current Price
$68.95
Margin of Safety
+82.2%
82.2% Below Intrinsic Value
Value: $126
Price: $69
Valuation Model Estimates
Current Price: $68.95
DCF (Discounted Cash Flow)
$214.30
Graham Number
$75.90
Earnings Power Value
$52.72
Relative Value (P/E)
$108.60
Dividend Discount Model
$176.67
Consensus Value
$125.64
Model Assumptions
Discount Rate
10.3%
Growth Rate
17.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (18% YoY)
Key Financials
- EPS (TTM)
- $5.43
- EPS (Forward)
- $6.40
- Book Value
- $47.15
- P/E Ratio
- 20.0
- Forward P/E
- 17.0
- PEG Ratio
- —
- ROE
- 11.5%
- Debt/Equity
- 7%
- Revenue Growth
- N/A
- Earnings Growth
- 17.8%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance