Back
CTBI Community Trust Bancorp, Inc.
Banks, Insurers & Asset Managers
B- 67.9 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C+ 58

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA 1.3%
  • Operating Margin Trend -4.18 pp/yr

Capital Efficiency

Weight: 20%
B- 66

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE 10.8%
  • 5yr Share-Count CAGR 0.4%

Growth Quality

Weight: 10%
B+ 78

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR 19.4%
  • 5yr EPS CAGR 2.4%
  • Positive-EPS Years (5) 5/5

Cash Generation

Weight: 5%
A+ 96

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 1.19x

Balance Sheet

Weight: 30%
B- 66

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 12.8%
  • Interest Coverage (EBIT/Int) 1.00x

Stability

Weight: 10%
B+ 77
  • EPS Volatility (σ/μ) 0.25
  • Piotroski F-Score 7
  • Negative-Revenue Years (5) 0/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Insufficient Data

Not enough curated-guru data to call a flow.

As of Q1 2026