ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / CTBI
OSBC (62) MCB (66) HBT (69) AMTB (66) ⌘ Pro Terminal →

Community Trust Bancorp Inc. (CTBI) — RQD Stock Rating Cockpit

$70.03 +1.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $70.09

Community Trust Bancorp Inc. (CTBI) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $1.25B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CTBI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CTBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Community Trust Bancorp Inc. (NASDAQ: CTBI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $70.03 (+1.52% 1D, market cap $1.25B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CTBI ranks #485 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CTBI compare to OSBC and MCB in the Financials sector?
▼

Within the Financials sector (Major Banks), CTBI carries a Roarable D+ (57/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.5%. By comparison, OSBC (Old Second Bancorp Inc.) holds a C grade (62/100 RQD, P/E 15.6x, ROIC 9.0%, cap $1.24B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CTBI?
▼

Per CTBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000350852), Community Trust Bancorp Inc. generated $2.81B in revenue (+7.9% YoY), $98.1M in net income, and $97.4M in free cash flow against $6.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $70.09 (+0.08%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 3.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk D+
Cash (12)Whales (7)SEC (13)Macro (9)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-0.5% Base Target
$84 Bull$70 Base$54 Bear
📬 FREE CTBI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CTBI)Realized 20D OHLCV Swing Band: ±5.5%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY CTBI SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$74.08+1.6% Next Q
Q2 (-2Q)
62
Grade C+$75.30-7% Next Q
Q3 (-1Q)
60
Grade C$70.06+0% Next Q
Current
57
Grade D+$70.03-0.2% Hist 90D α
Trajectory: C+ (65) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CTBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, CTBI faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($74.57) or 200D SMA ($69.09) invalidates the momentum regime and cuts Target Base ($69.71) toward Bear Floor ($54.37).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CTBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CTBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
37.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE66% OF RANGE
L: $51$70.03H: $80
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on CTBI

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

11.5% ROIC with 42.0% gross margin and 7.65% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (53)

23/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like CTBI
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CTBI)

  • ✓Walkthrough of CTBI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CTBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.67%📐 WEDGE COMPRESSION COIL
2026-11-03O $70.10H $70.10L $68.98C $70.03VOL 140.9K
RES: $77.50SUP: $67.37SMA50: $74.57SMA200: $69.09
$81.43$75.16$68.89$62.62$56.35RES $77.50SUP $67.37$70.032026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CTBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CTBI Butterfly Map → + Track CTBI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.2%/yr Implied 5Y Growth

vs. +7.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CTBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CTBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CTBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CTBI)

Financials Rank #485 of 1097 ⚔️ OSBC vs CTBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (CTBI vs. OSBC, MCB, HBT, AMTB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Community Trust Bancorp Inc. (CTBI) ranks #485 by composite RQD confidence (57/100, grade D+) and #515 by equity capitalization ($1.25B). Within this direct 5-issuer industry benchmark cohort, CTBI leads on earnings valuation at 13.0x trailing P/E, while HBT leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. HBT currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CTBI at 57/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CTBI ACTIVE
Community Trust Bancorp Inc.
D+ 57/100 13.0x — 11.5% +1.52% $1.25B Benchmark Subject
OSBC
Old Second Bancorp Inc.
C 62/100 15.6x — 9.0% +3.17% $1.24B /osbc-vs-ctbi →
MCB
Metropolitan Bank Holding Corp.
C+ 66/100 16.8x — 9.6% +2.30% $1.18B /mcb-vs-ctbi →
HBT
HBT Financial Inc.
C+ 69/100 17.4x — 12.5% +2.71% $1.33B /hbt-vs-ctbi →
AMTB
Amerant Bancorp Inc. (Class A)
C+ 66/100 22.4x — 5.6% +1.67% $1.17B /amtb-vs-ctbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000350852 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community Trust Bancorp Inc. (CTBI) reported GAAP revenue of $2.81B (+7.9% vs. FY2024 revenue of $2.60B , and +699.8% cumulative change since FY2023) , GAAP net income of $98.1M, operating cash flow of $105.0M, and free cash flow of $97.4M (+0.1% YoY). On the balance sheet, CTBI closed FY2025 with $6.68B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.81B $98.1M $105.0M $97.4M $6.68B —
FY2024 (FY) 2024-12-31 $2.60B $82.8M $105.3M $97.2M $6.19B —
FY2023 (FY) 2023-12-31 $351.0M $78.0M $85.8M $85.8M — —

3. CTBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CTBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Community Trust Bancorp Inc. (NASDAQ: CTBI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $70.03 (+1.52% 1D, market cap $1.25B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CTBI ranks #485 in composite RQD confidence.

How does CTBI compare to OSBC and MCB in the Financials sector?

Within the Financials sector (Major Banks), CTBI carries a Roarable D+ (57/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 11.5%. By comparison, OSBC (Old Second Bancorp Inc.) holds a C grade (62/100 RQD, P/E 15.6x, ROIC 9.0%, cap $1.24B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while HBT leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CTBI?

Per CTBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000350852), Community Trust Bancorp Inc. generated $2.81B in revenue (+7.9% YoY), $98.1M in net income, and $97.4M in free cash flow against $6.68B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CTBI trading relative to its 50-day, 200-day, and 52-week technical levels?

CTBI last traded at $70.03 (+1.52% on volume of 127,328 shares), positioning the stock -6.09% below its 50-day simple moving average ($74.57) and +1.36% above its 200-day simple moving average ($69.09). Across its 52-week range of $50.68 to $79.92, CTBI sits at the 66.2% percentile with a 14-day RSI of 37.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($66.18 to $73.88).

Direct Sub-Reports: CTBI RQD Cockpit CTBI 12M Forecast CTBI Earnings & Move CTBI Dividends & DRIP CTBI Insiders & 13F CTBI Whale Options CTBI Profit Sankey CTBI News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CTBI — Community Trust Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Community Trust Bancorp Inc. (CTBI) earns a live Roarable RQD composite score of 57/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $70.03 (+1.52% 1D, market capitalization $1.25B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 11.5%, gross margin of —, operating margin of —, and free cash flow yield of 7.65%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Community Trust Bancorp Inc. (CTBI) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry,. Market capitalization is $1.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Community Trust Bancorp Inc. (CTBI) reported $2.81B in annual revenue (up from $2.60B in FY2024, +7.9% YoY) and $98.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($351.0M revenue, $78.0M net income) through FY2025, CTBI scaled operating cash flow to $105.0M and free cash flow to $97.4M, backed by $6.68B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 57/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.65% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $50.68 – $79.92 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 13.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be identified from the source data.

  • Key Question #1: Can CTBI sustain or expand its — operating margin and 11.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.81B and free cash flow of $97.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CTBI's 12.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CTBI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Community Trust Bancorp Inc. (CTBI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CTBI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CTBI Bull vs. Bear Conversation Board — What's Your Call at $70.03?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CTBI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CTBI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $85.54 (+24.0%)
📌 Pinned Debate

Net income rose from $78.0M in FY 2023 to $98.1M in FY 2025 while the stock trades at 12.1x forward earnings with a 2.83% dividend yiel

Here is why I am bullish on CTBI here at $68.98: Net income rose from $78.0M in FY 2023 to $98.1M in FY 2025 while the stock trades at 12.1x forward earnings with a 2.83% dividend yield.. Compare CTBI's 0.0% operating margin and 11.5% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $65.53 are getting bought.

RetailWhale_TX 🐂 BULL

@ForensicBear Shorting a 7/20 institutional whale-flow stock at $68.98 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $57.25 (-17.0%)
Spot @ $68.98

Q3 2026 EPS of $1.43 missed the $1.65 FactSet estimate and news reports cite a profit squeeze, with two RED risk-watch headlines.

I respect the product at Community Trust Bancorp Inc., but the stock at $68.98 is a different story. Q3 2026 EPS of $1.43 missed the $1.65 FactSet estimate and news reports cite a profit squeeze, with two RED risk-watch headlines.. FCF yield is 7.65% and RQD sits at 57/100 (D+) — why pay up here when you can wait for next quarter's numbers?

LIVE TAPE