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CTBI

Community Trust BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 delivered record $29.6 million net income, $1.64 diluted EPS, stronger net interest income and loan growth, while the higher dividend supports capital-return appeal. [#SEC-8K-2026-07-15] Company earnings exhibit
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +7.3.
What can break
Deposit costs, loan yields, and credit losses may change the economics supporting the higher dividend.
Momentum
37
Value
57
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $76.00 · Bull $84.00 · Bear $64.00Analysis 2026-10-20; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-20 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-30

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $76.67
Why
Momentum37 · Δ7d -20.6
Value57 · Δ7d +0.5
Sentiment63 · Δ7d +7.3
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 +7.3.

Contradictions & invalidation

  • • Deposit costs, loan yields, and credit losses may change the economics supporting the higher dividend.
  • • Q2 nonperforming loans increased $9.0 million sequentially, and the credit-loss provision rose $0.5 million. [#SEC-8K-2026-07-15]
  • • Rising nonperforming loans and provision expense could erode Q2's earnings gains.

Catalyst clock

2026-10-21

Third-quarter results remain unconfirmed

Lead driver: Sentiment · See AI snapshot
Momentum
37
8% active weight
Current posture
7d trendSoftening
Δ7d
-20.6
Δ21d
-32.3
Value
57
47% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+3.6
Sentiment
63
45% active weight
Current posture
7d trendImproving
Δ7d
+7.3
Δ21d
-2.7
Why this grade

Composite grade B. Momentum 37.0 / Value 56.8 / Sentiment 62.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-20. Scenario method

B+
Bull case
25%
Probability
Target price
$84.00
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$76.00
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$64.00
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.25B
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 2026-10-30 • Updated nightlySource: Internal modelMethods & Data