B+
Bull case
25%
Probability
Target price
$89.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
CTBI
Community Trust BancorpBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Record Q2 earnings, stronger net interest income and margin, solid loan and deposit growth, and lower annualized charge-offs support a constructive operating trend [#SEC-8K-2026-07-15].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -5.7.
What can break
Credit-loss provision increased despite low reported charge-offs.
Momentum
67
Value
61
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $81.50 · Bull $89.00 · Bear $68.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-16
Investment thesis
As of 2026-09-16
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $81.33
Why
Momentum67 · Δ7d +8.6
Value61 · Δ7d +7.5
Sentiment65 · Δ7d -5.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -5.7.
Contradictions & invalidation
- • Credit-loss provision increased despite low reported charge-offs.
- • Forward guidance and detailed management commentary are limited in the available evidence.
- • Sequential increases in nonperforming loans, nonperforming assets, credit-loss provision, and expenses create execution and credit-cost risk.
Catalyst clock
2026-07-15
Q2 earnings beat, record profitability, and positive market reaction
Lead driver: Sentiment · See AI snapshot
Momentum
67
9% active weight
Current posture
7d trendImproving
Δ7d
+8.6
Δ21d
+3.0
Value
61
28% active weight
Current posture
7d trendImproving
Δ7d
+7.5
Δ21d
+7.5
Sentiment
65
62% active weight
Current posture
7d trendSoftening
Δ7d
-5.7
Δ21d
-5.6
Why this grade
Composite grade B. Momentum 67.2 / Value 61.5 / Sentiment 64.7
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$81.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$68.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.43B
Beta
0.59
Shares Out
18.17M
P/E (TTM)
11.2
P/S (TTM)
3.83
P/FCF (TTM)
15.21
Rev YoY
+7.0%
EPS YoY
+18.6%
Gross Margin
-
Op Margin
+33.2%
Net Debt
$326.94M
Current Ratio
0.15
As of 2026-09-16 • Updated nightlySource: Internal modelMethods & Data