Community Trust Bancorp (CTBI) Stock: Buy, Sell, or Hold?
CTBI - Community Trust Bancorp Inc
$71.31
2.98 (4.36%)
▲
5d:
-4.19%
30d:
-4.15%
90d:
-6.36%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 21, 2026
0d
Get Alerted When CTBI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: CTBI shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CTBI shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$81.92
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$50.87
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CTBI is currently trading at $71.31, which is considered oversold relative to its 30-day fair value range of $73.18 to $76.62. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (10.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.2% over the next few years. This pessimistic expectation contrasts with the company's recent 18.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CTBI is in a uptrend. Immediate support is located at $67.10, while resistance sits at $75.97. The stock is showing strong short-term momentum, up 4.4% recently.
Market Sentiment: CTBI scores 32/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $81.33 (+19.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CTBI is in a uptrend. Immediate support is located at $67.10, while resistance sits at $75.97. The stock is showing strong short-term momentum, up 4.4% recently.
Market Sentiment: CTBI scores 32/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $81.33 (+19.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$73.18 -
$76.62
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (32/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.4%)
- BULLISH: Trading below Wall St target ($81.33)
- WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$73.18 -
$76.62
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$67.10
Resistance Level
$75.97
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.51
Wall Street Target
$81.33
(+19.0%)
Revenue Growth (YoY)
11.2%
Earnings Growth (YoY)
18.8%
Profit Margin
37.6%
Valuation Discount vs History
-1.2% cheaper
PE vs Historical
10.5 vs 10.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.2%
(market-implied from PE analysis)
1-Year Target
$67.51
(-1%)
2-Year Target
$66.70
(-2%)
3-Year Target
$65.90
(-4%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$68.33
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 1.9%)
$136.51
(+100%)
Base:
(SPY PE: 10.5, Growth: 1.9%)
$72.26
(+6%)
Bear:
(PE: 8.9, Growth: 1.9%)
$61.42
(-10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.61 | Current EPS (TTM): $5.97
Bull Case
$90.18
(+32%)
Analyst growth 8.9%, PE expands to 13.9
Base Case
$81.99
(+20%)
Market implied 8.9%, PE stable at 12.6
Bear Case
$51.20
(-25%)
Severe decline -20.0%, PE contracts to 10.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.5 to 10.9
Stabilization Target:
$70.85
(+3.7%)
PE Expansion Potential:
+3.7%
Share & Embed Analysis
Last updated: October 22, 2026 2:41 PM ET
Data refreshes hourly during market hours. Next update: 3:41 PM
Data refreshes hourly during market hours. Next update: 3:41 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CTBI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 67 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$266 | 68 BUY |
|
NU
Nu Holdings Ltd |
STRONG BUY
22 analysts |
$19 | 48 HOLD |
|
EWBC
East West Bancorp Inc |
STRONG BUY
16 analysts |
$148 | 59 HOLD |
|
TFC
Truist Financial Corp |
HOLD
22 analysts |
$54 | 71 BUY |
