Community Trust Bancorp, Inc. (CTBI) Fair Value 2026

CTBI · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.5 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (14/100)

Quick Summary — As of 2026-07-13, Community Trust Bancorp, Inc. (CTBI) trades at $72.24, approximately 42% below CirclFi’s Bayesian DCF fair value of $123.97. QOC: 8.5/10. Value Trap Risk: 14/100 (SAFE). 12/13 models active.

Key Facts

Ticker
CTBI
Price
$72.24
Quality Score
8.5/10
Value Trap Risk
14/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +71.6% upside with 59% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($72.24)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $123.97 +71.6%
Earnings Power Value
High Conviction
 $43.62 -39.6%
CUCE Ensemble
Low Conviction
 $81.00 +12.1%
First Chicago
High Conviction
 $96.14 +33.1%

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What Is Community Trust Bancorp, Inc. (CTBI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Community Trust Bancorp, Inc. presents a highly debated valuation profile at its current price of $72.24. The composite intrinsic value is estimated at $87.43 (+21.0% average upside), masking a wide model spread between the 5 bullish models and 6 bearish models. Model dispersion is worth noting: ML-RIV targets $182.04 (+152.0%), versus EPV at $43.62 (-39.6%). This +191.6% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About CTBI?

12 of 13 models are currently active for CTBI. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates CTBI's intrinsic value at $123.97, implying +71.6% upside from the current price. See which stocks rank higher →

How Does CTBI Rank in State Commercial Banks?

Among 170 State Commercial Banks stocks, CTBI ranks #52 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places CTBI in the top tier.

See all Most Undervalued State Commercial Banks Stocks →

Community Trust Bancorp, Inc.'s positioning within the State Commercial Banks segment means that deposit growth plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is CTBI a Value Trap?

CirclFi's Value Trap algorithm assigns CTBI a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Community Trust Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Community Trust Bancorp, Inc. earns a quality score of 8.5/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +191.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CTBI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CTBI's 12 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Community Trust Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

BSVNBank7 Corp.QOC 10.0OFGOFG BancorpQOC 9.8CZNCCitizens & Northern CorpQOC 9.7NPBNorthpointe Bancshares, Inc.QOC 9.6UNTYUnity Bancorp, Inc.QOC 9.4OBTOrange County Bancorp, Inc.QOC 9.3BFSTBusiness First Bancshares, Inc.QOC 9.2OVLYOak Valley Bancorp (CA)QOC 9.2

Read investment analysis: BSVN · OFG · CZNC · NPB · UNTY

See all State Commercial Banks stocks ranked →

Frequently Asked Questions About Community Trust Bancorp, Inc.

What is Community Trust Bancorp, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Community Trust Bancorp, Inc. (CTBI) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $123.97. The Quality of Company score is 8.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CTBI overvalued or undervalued right now?

At $72.24, 6 of 12 active models suggest CTBI may be undervalued, while 6 indicate potential overvaluation. The assessment depends on which methodology best fits Community Trust Bancorp, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 8.5 mean for CTBI?

Community Trust Bancorp, Inc.'s QOC of 8.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CTBI?

CirclFi analyzes CTBI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is CTBI a value trap in 2026?

Community Trust Bancorp, Inc.'s Value Trap score is 14/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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