CTBI PEER ANALYSIS

Community Trust Bancorp Inc — metric-by-metric comparison with peers and the industry median

CTBICommunity Trust Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CTBIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CTBI	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
P/E	12.75	116.67	20.06	13.42	10.20	9.21●	12.96
P/B	1.51	0.68●	3.18	1.41	2.79	1.41	1.29
EV/EBITDA	8.29	306.42	1.78	14.85	7.18	-8.40●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CTBI	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Current Ratio	1.88●	0.01	—	0.12	—	0.25	0.31
Debt/Equity	43.5%	744.5%	0.0%●	209.8%	0.0%●	17.0%	38.0%
NetDebt/EBITDA	-1.12	280.57	-13.41	5.39	-0.00	-14.68●	-0.58

Profitability
Metric	CTBI	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Net Margin	24.9%	1.4%	14.2%	25.9%	58.1%●	20.1%	20.6%
ROE	12.5%	1.0%	17.5%	10.6%	34.1%●	14.9%	10.9%
ROA	1.6%	0.1%	1.2%	0.5%	5.4%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CTBI	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	19.9%	-80.9%	8.1%	16.2%	42.3%●	16.0%	19.4%
Div. Yield	2.8%	4.7%	—	3.2%	—	4.8%●	2.5%
Payout	35.9%	335.1%	—	—	—	—	31.4%

Valuation
Metric	CTBI	PFBC	TMP	PEBO	AMAL	UVSP	Ind. Median
P/E	12.75	9.81	8.10●	12.35	13.36	13.07	12.96
P/B	1.51	1.72	1.43	1.13●	1.73	1.31	1.29
EV/EBITDA	8.29	4.66●	7.67	15.24	10.05	10.79	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CTBI	PFBC	TMP	PEBO	AMAL	UVSP	Ind. Median
Current Ratio	1.88	183.04●	0.58	0.22	—	0.03	0.31
Debt/Equity	43.5%	49.7%	60.0%	56.8%	10.0%●	34.4%	38.0%
NetDebt/EBITDA	-1.12	-2.18●	2.06	4.51	0.48	0.76	-0.58

Profitability
Metric	CTBI	PFBC	TMP	PEBO	AMAL	UVSP	Ind. Median
Net Margin	24.9%	26.7%	28.9%●	18.6%	22.4%	18.3%	20.6%
ROE	12.5%	17.4%	19.8%●	9.5%	13.6%	10.3%	10.9%
ROA	1.6%	1.8%	2.0%●	1.2%	1.2%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CTBI	PFBC	TMP	PEBO	AMAL	UVSP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	19.9%	5.9%	127.4%●	-0.5%	0.4%	22.3%	19.4%
Div. Yield	2.8%	2.9%	2.7%	4.2%●	1.3%	2.0%	2.5%
Payout	35.9%	28.3%	22.0%	52.2%	17.4%	26.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.