Community Bancorp (CTBI) AI Stock Analysis

• Market Cap: $878.30M
• Dividend Yield: 3.85%
• Average Volume (3M): 65.69K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.69
• Revenue Growth: 12.34%
• EPS Growth: 10.88%
• Country: US
• Employees: 939
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 4.79
• Shares Outstanding: 18,101,765
• 10 Day Avg. Volume: 69,383
• 30 Day Avg. Volume: 65,686
• PEG Ratio: 0.93
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.91
• Price to Cash Flow (P/CF): 10.40
• P/FCF Ratio: 4.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $57.00
• Price Target Upside: 15.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Community Bancorp's overall score reflects its strong financial performance and attractive valuation, underscored by effective cost management and revenue growth. However, technical analysis suggests caution due to neutral momentum, and liquidity risks from declining liquid assets need monitoring. The positive corporate events bolster its competitive position, making it a solid investment with potential risks.

Community Bancorp Business Overview & Revenue Model

Company Description

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, checking accounts, savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan products include commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; and consumer loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. In addition, it offers securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company operates 79 banking locations in eastern, northeastern, central, south central Kentucky, southern West Virginia, and northeastern Tennessee; 4 trust offices across Kentucky; and 1 trust office in northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

How the Company Makes Money

Community Bancorp (CTBI) generates revenue through various financial services and products. The primary revenue streams include interest income from loans and investments, fees from banking services, and income from trust and wealth management services. The company earns interest income by providing loans to individuals and businesses, including commercial real estate, residential mortgage, and consumer loans. Additionally, CTBI invests in securities, which contributes to its interest income. Non-interest income is generated through service charges on deposit accounts, fees for transaction services, and trust and wealth management fees. Significant partnerships with local businesses and community entities enhance its market presence and client base, further contributing to its earnings.

Community Bancorp Financial Statement Overview

Summary

Community Bancorp exhibits strong financial health characterized by consistent revenue growth, effective cost management, and prudent leverage. The company's ability to generate cash flows and maintain low leverage signifies robust operational and financial management. However, declining liquid assets and significant negative investing cash flows could pose risks if not addressed. Overall, Community Bancorp demonstrates solid financial performance with areas to monitor for sustained growth.

Income Statement

Community Bancorp has displayed a consistent revenue growth trajectory over the years, with a significant increase in total revenue in 2024. The gross profit margin remains strong due to the nature of the banking industry, where total revenue equates to gross profit. However, the net profit margin has remained relatively stable, indicating effective cost management despite fluctuating revenues. The EBIT margin is robust, although the absence of EBITDA data in 2024 limits full profitability analysis.

Balance Sheet

The debt-to-equity ratio is low, indicating prudent leverage management, crucial in the banking sector. The return on equity has been healthy, reflecting effective utilization of shareholder funds. Despite a stable equity ratio, the consistent increase in total assets suggests growth. However, the declining cash and short-term investments over the years could be a potential concern for liquidity management.

Cash Flow

Operating cash flow has improved in 2024, demonstrating strong cash generation capacity. The free cash flow growth is positive, reinforcing the company's ability to generate cash after capital expenditures. However, the operating cash flow to net income ratio suggests moderate efficiency in converting income into cash. The cash flows from financing and investing activities highlight active balance sheet management, although negative investing cash flows warrant attention.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
313.44M	221.32M	227.02M	223.54M	205.55M
	Gross Profit
313.44M	327.31M	227.02M	223.54M	205.55M
	EBIT
307.53M	119.48M	129.68M	110.64M	70.27M
	EBITDA
0.00	102.33M	104.34M	113.84M	73.77M
	Net Income Common Stockholders
82.81M	78.00M	81.81M	87.94M	59.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.13B	1.22B	1.39B	1.50B	1.05B
	Total Assets
6.19B	5.77B	5.38B	5.42B	5.14B
	Total Debt
64.02M	80.97M	17.63M	13.01M	13.97M
	Net Debt
-9.01M	-190.68M	-33.68M	-33.55M	-40.28M
	Total Liabilities
5.44B	5.07B	4.75B	4.72B	4.48B
	Stockholders Equity
757.58M	702.21M	628.05M	698.20M	654.87M
Cash Flow		Free Cash Flow
97.09M	79.41M	93.47M	113.32M	60.90M
	Operating Cash Flow
105.17M	85.73M	99.68M	115.69M	62.38M
	Investing Cash Flow
-335.67M	-226.60M	-280.01M	-358.62M	-693.53M
	Financing Cash Flow
328.61M	283.58M	-2.75M	216.45M	704.70M

Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 49.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CTBI, the sentiment is Neutral. The current price of 49.25 is above the 20-day moving average (MA) of 48.39, below the 50-day MA of 51.06, and below the 200-day MA of 50.92, indicating a neutral trend. The MACD of -1.11 indicates Negative momentum. The RSI at 48.36 is Neutral, neither overbought nor oversold. The STOCH value of 68.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CTBI.

Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTBI	74 Outperform	$878.30M	10.14	11.54%	3.85%	12.34%	10.88%
BRKL	71 Outperform	$905.90M	13.09	5.68%	5.36%	7.79%	-8.83%
SBSI	71 Outperform	$858.76M	9.69	11.16%	5.10%	15.33%	3.68%
CNOB	70 Outperform	$849.03M	12.57	5.99%	3.26%	6.06%	-15.21%
OCFC	69 Neutral	$946.94M	9.84	5.95%	5.08%	7.54%	-2.82%
Sector *	63 Neutral	$12.06B	9.31	8.10%	79.51%	12.80%	-4.67%
TMP	56 Neutral	$838.48M	11.70	10.25%	4.23%	41.65%	668.73%

Community Bancorp Corporate Events

Community Bancorp’s Recent Regulation FD Disclosure

In 2024, Community Bancorp reported robust financial performance, surpassing its earnings and asset growth goals. The company achieved a net income increase of 6.2% and a revenue increase of 7.7% compared to 2023. Total assets grew by 7.3%, reaching $6.19 billion, while loans and deposits also saw significant increases. The company maintained a strong dividend policy, with a 3.3% increase in cash dividends. Despite these achievements, an investment in CTBI stock underperformed compared to the NASDAQ and Russell 2000 indices over the past five years.

Spark’s Take on CTBI Stock

According to Spark, TipRanks’ AI Analyst, CTBI is a Outperform.

Community Bancorp exhibits robust financial fundamentals with consistent income growth and effective cost management. While valuation is attractive, technical analysis suggests caution due to neutral momentum indicators. The company’s competitive position and positive corporate events support a solid investment outlook, with liquidity risks needing monitoring.

To see Spark’s full report on CTBI stock, click here.

Community Bancorp Reports Q1 2025 Earnings Increase

Community Trust Bancorp, Inc. reported its earnings for the first quarter of 2025, showing a net income of $22.0 million, or $1.22 per share, which is a slight decrease from the previous quarter but an increase from the same quarter last year. The company experienced a rise in net interest income by 3.5% from the prior quarter and 17.6% from the previous year, while noninterest income saw a decline. The loan portfolio grew significantly, and despite an increase in nonperforming assets, the company’s shareholders’ equity and deposits also showed growth, indicating a stable financial position.

Spark’s Take on CTBI Stock

According to Spark, TipRanks’ AI Analyst, CTBI is a Outperform.

Community Bancorp demonstrates strong financial fundamentals with consistent revenue and net income growth, effective cost management, and prudent leverage. Despite a neutral technical analysis and reasonable valuation, the overall score reflects a solid investment with potential risks related to liquidity and negative investing cash flows. The company’s competitive position in the banking sector and attractive dividend yield further support its investment appeal.

To see Spark’s full report on CTBI stock, click here.

Community Bancorp Reports Strong 2024 Financial Performance

Community Bancorp has reported strong financial performance for the year ending December 31, 2024, with notable increases in key metrics such as earnings per share, net income, and revenues, each growing by 5.7%, 6.2%, and 7.7% respectively from the previous year. The company also saw a 7.3% increase in total assets and a 10.8% growth in loans, positioning itself as a leading bank in Kentucky by asset size and deposit market share, which may enhance its competitive standing in the financial services sector.