CTBI Community Trust Bancorp Inc

XNAS 68.33 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

CTBI $68.33 —
Key stats
$68.33
52-Week Range
$50.25 – $79.92
YTD
+21.12%
IV Rank (30D)
77.56
Straddle Price
$5.70
P/C Vol Ratio
0.50
Market Cap
$1.4B
Open
$71.87
Day Range
$67.10 – $72.28
Volume
397,773
Prev Close
$75.30
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.68
Cost of Equity (CAPM)8.56% (VRP-adj)
WACC8.45%
Volatility Risk Premium+25.5pp (IV − HV30)
Effective Tax Rate23.0%
Rev. Growth (YoY, DCF input)+1.4%
DCF Horizon12 years explicit + fade
Forward Tilt (NTM/TTM)×1.01 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.1B
Return on Equity (TTM)12.1%
Book / Price70.6% — banking bias active (P/B is primary)
Bank Quality Adj×1.12 (target ROE vs peer median)
Gross Margin (TTM)69.9%
FCF Margin (TTM)31.6%
Debt / Equity0.07
Quality Score4/6 — high quality (12y DCF)
Market-Implied Growth-7.2% (reverse-DCF on current price)
SMA 50$75.95 (Market Anchor value)
SMA 20 / Bollinger Mid$74.61
Bollinger Width / SMA2011.5% (drives anchor stability)
Net Debt$-0.0B
Market Cap$1B
Peers used for multiples: ABM, CBSH, CVX, EMR, UBSI (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
62%
20-Day Fair Value
≈ by Nov 20, 2026
$67.99
α -0.5% rank 13%
conviction
34%
40-Day Fair Value
≈ by Dec 21, 2026
$69.11
α +1.1% rank 31%
conviction
36%
60-Day Fair Value
≈ by Jan 19, 2027
$69.59
α +1.8% rank 25%
conviction
62%
MethodImplied PriceWeightDetail
DCF $118.34 20%
DDM (Gordon) $32.60 16%
Peer P/E $117.47 6% median 18.2× · 5 peers
Peer EV/EBITDA n/a 0% median 10.1× · 5 peers
Peer P/B $88.32 9% median 1.8× · 5 peers
Peer P/S $91.00 3% median 3.5× · 5 peers
Market Anchor (SMA50) $75.95 37% stability 92% (BB-width)
Options Expected (B-L 30d) $69.46 10% 10 strikes · skew -0.14
As of 2026-10-22 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$1.4B
Employees
930
List Date
1991-07-18
CIK
0000350852
Headquarters
Pikeville, KY
Homepage
https://www.ctbi.com

Community Trust Bancorp Inc is a bank holding company. The Bank owns all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, north-eastern, central, and south-central Kentucky, southern West Virginia, and north-eastern Tennessee. Through its subsidiaries, the Bank is engaged in commercial and personal banking and trust and wealth management activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals, and others; providing cash management services to corporate and in…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-0.57%-0.43%-7.28%-5.64%3.00%9.37%-0.26%
Feb10.70%-4.04%-1.04%-3.75%3.14%-4.44%0.09%
Mar4.96%-0.68%-10.98%8.58%-7.90%-1.33%-1.23%
Apr-0.45%-3.54%-5.14%0.79%-3.39%5.44%-1.05%
May-2.39%4.81%-5.89%-1.40%3.34%1.61%0.01%
Jun-9.48%-3.48%4.07%6.05%4.34%9.58%1.85%
Jul-2.79%4.43%5.61%16.87%-1.12%6.04%4.84%
Aug5.90%-4.00%-8.05%2.75%10.00%-3.55%0.51%
Sep1.20%-4.57%-5.70%-0.30%-4.03%-1.97%-2.56%
Oct1.87%14.31%8.77%8.35%-6.83%-9.20%*2.88%
Nov-6.21%1.61%6.90%13.75%7.39%--4.69%
Dec3.32%-4.21%6.04%-10.44%0.95%---0.87%
Total4.51%-1.43%-14.32%37.35%7.46%10.22%7.30%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $74.61
SMA 50: $75.95
SMA 200: $68.56
Current: $68.33
EMA 12: $73.79
EMA 26: $74.68
MACD: -0.8906 | Signal: -0.3560
BEARISH
ADX (14): 30.55
TREND
+DI: 10.94
−DI: 41.94

Momentum Oscillators

RSI (14): 28.23
OVERSOLD
Stoch %K: 38.98
Stoch %D: 47.67
Williams %R: -87.45

Volume & Volatility

BB Upper: $77.82
BB Lower: $71.40
OVERSOLD
OBV: 1,569,547
Vol SMA 20: 145,990
Vol ROC: 143.11%
ATR: $2.11
True Range: $8.20
HV 20: 38.8%
HV 30: 32.1%
HV 60: 24.3%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

LLM Stock Analysis Report

SYMBOL: CTBI CURRENT PRICE: $52.17

Executive Summary

Overall Assessment: NEUTRAL (confidence level: 6/10) Key Drivers: Technical signals indicate a potential continuation of the downtrend, while recent news sentiment is neutral. Primary Risks: Downtrend risk, high IV rank Recent News Sentiment Impact: No recent news available, so no significant impact on the stock price.

Technical Analysis

Trend Direction:

  • Short-term (1-4 weeks): BEARISH (price below SMA 20 and EMA 12)
  • Medium-term (1-3 months): BEARISH (price below SMA 50 and EMA 26)
  • Long-term (3-12 months): NEUTRAL (no clear trend)

Support/Resistance Levels:

  • Upper Bollinger Band: $57.93
  • Middle Band: $55.01
  • Lower Band: $52.08

Momentum Signals:

  • RSI interpretation: Neutral (39.08)
  • MACD signal: Bearish (crossover below signal line)
  • Bollinger Bands position: Neutral (price within the bands)

News & Sentiment Analysis

Recent Headlines Summary: No recent news available Sentiment Assessment: Neutral (no significant news impact) Catalyst Identification: Upcoming earnings announcement on 2026-01-13 Market Narrative: Technical signals and risk metrics suggest a potential continuation of the downtrend.

Risk & Volatility Assessment

Beta Interpretation: Low risk (beta: 0.78 vs SPY) Volatility Regime: Low volatility - stock moves less than market Options Market Signals:

  • IV Rank: 15.6% (Low) shows historically low volatility
  • Current IV: 55.0%
  • Expected Move: $4.32 (35 DTE), 7-DTE: $4.88
  • Volume Flow: 10 calls vs 0 puts
  • Open Interest: 45 calls vs 0 puts

Market Context & Positioning

Sector Performance: Neutral (CTBI's sector is not strongly correlated with the overall market) Institutional Activity: No unusual volume patterns suggesting institutional interest Correlation Analysis: CTBI moves relatively independently of the broader market (R-squared: 0.49)

Key Levels & Action Items

Critical Price Levels:

  • Support: $52.08 (lower Bollinger Band)
  • Resistance: $55.01 (middle Bollinger Band)
  • Breakout/Breakdown Levels: $57.93 (upper Bollinger Band)
  • Time-Sensitive Catalysts:** Upcoming earnings announcement on 2026-01-13
  • Risk Management:** Stop-loss levels should be set near the lower Bollinger Band ($52.08), considering a potential continuation of the downtrend.

Overall, CTBI's technical signals suggest a potential continuation of the downtrend, while recent news sentiment is neutral. The stock's low volatility and historically low IV rank indicate reduced risk, but the bearish MACD signal and RSI interpretation suggest caution.

Generated
News
All CTBI news →
Earnings History
13 of 15 under expected move
Avg Expected Move
6.76%
Avg Actual Move
3.35%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2021-01-20 Pre-Market 6.13% 2.05% 0.33x Within
2022-01-19 Pre-Market 2.73% 1.77% 0.65x Within
2023-07-19 Pre-Market 7.13% 1.71% 0.24x Within
2023-10-18 Pre-Market 7.33% 0.59% 0.08x Within
2024-01-17 Pre-Market 6.45% 1.51% 0.23x Within
2024-04-17 Pre-Market 4.71% 0.28% 0.06x Within
2024-07-17 After-Close 9.62% 1.88% 0.20x Within
2024-10-16 Pre-Market 5.52% 3.19% 0.58x Within
2025-01-15 Pre-Market 10.14% 2.31% 0.23x Within
2025-07-16 Pre-Market 6.64% 3.82% 0.58x Within
2025-10-15 Pre-Market 6.01% 5.25% 0.87x Within
2026-01-21 Pre-Market 8.22% 10.06% 1.22x Exceeded
2026-04-15 Pre-Market 7.72% 2.69% 0.35x Within
2026-07-15 Pre-Market 5.81% 3.85% 0.66x Within
2026-10-21 Pre-Market 7.27% 9.26% 1.27x Exceeded

Earnings calendar: this week’s reports with expected vs actual moves →

CTBI Options Activity & IV Rank

CTBI IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 33.8%
7-DTE IV: —
Expected Move: $5.70
7-DTE Move: $5.70
Days to Exp: 30 (2026-11-20)

Options Flow

Call Volume: 4
Put Volume: 2
P/C Volume: 0.5
BULLISH
Call OI: 4
Put OI: 0
P/C OI: —
Total OI: 4

ATM Options Pricing

ATM Call: $2.75
ATM Put: $2.95
Call %: 4.0%
Put %: 4.3%

Chain Summary

Chain Volume: 48
Chain OI: 82
Last Updated: 10/21/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 21 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 21 · ATM 34.8% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)77.6HighOct 21
Straddle Price (30 DTE)$5.70Oct 21
Beta Analysis

Risk Metrics

Beta: 0.3539
Alpha: 24.32%
Correlation: 0.1765
R-Squared: 3.1%
Stock Volatility: 25.5%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own CTBI
4 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$7.3M
0.01%
#1233 of 3138-24.4%13F
Millennium Management Hedge fund
Izzy Englander
$3.0M
0.00%
#2358 of 3716-10.5%13F
Citadel Hedge fund
Ken Griffin
$1.7M
0.00%
#3130 of 6285-30.6%13F
Rockefeller Capital Management Family office
Rockefeller family
$8K
0.00%
#4095 of 4729+0.9%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

CTBI Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 18,053,250 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

204 filers12,451,885 shares$884.98M value68.97% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 1,783,223 $129.03M 14.58% 9.88% 2026-06-30
2 Dimensional Fund Advisors LP Custodian 1,187,465 $85.92M 9.71% 6.58% 2026-06-30
3 COMMUNITY TRUST & INVESTMENT CO 1,013,094 $75.19M 8.50% 5.61% 2026-09-30
4 Vanguard Group Inc Custodian 945,488 $53.42M 6.04% 5.24% 2025-12-31
5 Vanguard Capital Management LLC 684,030 $49.50M 5.59% 3.79% 2026-06-30
6 State Street Corp 573,553 $41.77M 4.72% 3.18% 2026-06-30
7 American Century Companies, Inc. 574,534 $41.57M 4.70% 3.18% 2026-06-30
8 Geode Capital Management, LLC Custodian 456,699 $33.05M 3.73% 2.53% 2026-06-30
9 LONE PEAK GLOBAL INVESTORS LLC 300,504 $21.74M 2.46% 1.66% 2026-06-30
10 Northern Trust Corp Custodian 295,105 $21.35M 2.41% 1.63% 2026-06-30
11 LSV ASSET MANAGEMENT 266,180 $19.26M 2.18% 1.47% 2026-06-30
12 Goldman Sachs Group Inc Custodian 252,240 $18.25M 2.06% 1.40% 2026-06-30
13 Jupiter Topco LLC 206,688 $14.96M 1.69% 1.14% 2026-06-30
14 Vanguard Portfolio Management LLC 171,207 $12.39M 1.40% 0.95% 2026-06-30
15 HEARTLAND ADVISORS INC 164,210 $11.88M 1.34% 0.91% 2026-06-30
16 Janus Henderson Group plc 192,413 $11.68M 1.32% 1.07% 2026-03-31
17 AQR Capital Management, LLC Custodian 159,341 $11.53M 1.30% 0.88% 2026-06-30
18 FMR LLC Custodian 159,279 $11.53M 1.30% 0.88% 2026-06-30
19 Two Sigma Investments, LP Custodian 135,211 $9.78M 1.11% 0.75% 2026-06-30
20 Charles Schwab Investment Management, Inc. 129,249 $9.35M 1.06% 0.72% 2026-06-30
21 Bank of New York Mellon Corp Custodian 110,158 $7.97M 0.90% 0.61% 2026-06-30
22 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 109,436 $7.92M 0.89% 0.61% 2026-06-30
23 JPMorgan Chase & Co Custodian 107,445 $7.76M 0.88% 0.60% 2026-06-30
24 UBS Group AG Custodian 106,857 $7.73M 0.87% 0.59% 2026-06-30
25 Morgan Stanley Custodian 106,494 $7.71M 0.87% 0.59% 2026-06-30
1 filers$383.51K notional
# Filer Notional Value % of Total Period
1 Citadel Advisors LLC Custodian $383.51K 100.00% 2026-06-30
# Filer Notional Value % of Total Period

CTBI Insider Trading (Form 4)

Latest: 2026-08-17
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-08-17 Franky Minnifield Director Sell (S) −3,900 $78.85 -$307.5K EDGAR
2026-07-17 Kevin J Stumbo EVP, CFO, & Treasurer Gift (G) −50 $74.82 -$3.7K EDGAR
2026-07-02 Kevin J Stumbo EVP, CFO, & Treasurer — — — EDGAR
2026-07-01 Kevin J Stumbo EVP, CFO, & Treasurer Gift (G) −50 $73.45 -$3.7K EDGAR
2026-04-29 James E McGhee II Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Jefferson F Sandlin Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Lillian Kay Webb Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Franky Minnifield Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Chad C Street Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Eugenia Crittenden Luallen Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Ina Michelle Matthews Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 David L. Baird Director Award (A) +301 $66.46 $20.0K EDGAR
2026-04-29 Anthony W. St. Charles Director Award (A) +301 $66.46 $20.0K EDGAR
2026-03-16 Ricky D Sparkman Executive Vice President Buy (P) +84 $58.50 $4.9K EDGAR
2026-01-28 Thomas E. McCoy Executive Vice President Award (A) +616 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

CTBI Insider Holdings

22 insiders · @ $68.33
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Mark A Gooch Chairman, President & CEO 26,718 $1.83M -$3.25M 40 2026-01-28
2 Richard W Newsom President 23,491 $1.61M -$2.02M 39 2026-01-28
3 David Andrew Jones Executive Vice President 22,706 $1.55M -$743.4K 30 2026-01-28
4 David I Tackett Executive Vice President 22,423 $1.53M $17.2K 9 2026-01-28
5 Kevin J Stumbo EVP, CFO, & Treasurer 21,872 $1.49M -$1.72M 51 2026-07-17
6 David L. Baird Director 19,104 $1.31M $0 2 2026-04-29
7 Thomas E. McCoy Executive Vice President 14,746 $1.01M $0 1 2026-01-28
8 Mark Edward Smith Executive Vice President 11,592 $792.1K $216.1K 8 2026-01-28
9 Andy D Waters Executive Vice President 10,459 $714.7K -$1.04M 44 2026-01-28
10 Billie J. Dollins Executive Vice President 10,442 $713.5K $10.1K 9 2026-01-28
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

CTBI Board & Officers

As of SEC filings through Aug 17, 2026

Directors 9

Officers 11

Changes in the last 10 years (58)
Jan 12, 2026Mark A Gooch no longer listed as a director in SEC filings
Jun 25, 2025David L. Baird became a director
Jun 21, 2025The company announced the departure of Franklin H Farris Jr from the board in an SEC filing
Apr 23, 2025Ina Michelle Matthews first listed as a director in an SEC filing
Apr 23, 2025Eugenia Crittenden Luallen first listed as a director in an SEC filing
Feb 3, 2025Thomas E. McCoy became Executive Vice President
Jan 29, 2025Mark A Gooch first listed as a director in an SEC filing
Jan 17, 2025Richard W Newsom listed as President (previously Executive Vice President) in SEC filings
Jan 13, 2025Franky Minnifield no longer listed as Board of Director in SEC filings
Jan 13, 2025Franky Minnifield first listed as a director in an SEC filing
Jan 8, 2025Mark A Gooch listed as Chairman, President & CEO (previously Executive Vice President) in SEC filings
Jan 3, 2025The company announced the departure of Charles J Baird from the board in an SEC filing
Dec 16, 2024Kevin J Stumbo listed as EVP, CFO, & Treasurer (previously Executive Vice President) in SEC filings
Aug 9, 2024Kevin J Stumbo listed as Executive Vice President (previously EVP, CFO, & Treasurer) in SEC filings
Aug 1, 2024Richard W Newsom listed as Executive Vice President (previously President) in SEC filings
Aug 1, 2024Mark A Gooch listed as Executive Vice President (previously President & CEO) in SEC filings
Jan 23, 2024The company announced the departure of James B Draughn as Executive Vice President in an SEC filing
Jan 23, 2024The company announced the departure of James B Draughn as Executive Vice President in an SEC filing
Jan 23, 2024Jefferson F Sandlin became a director
Jan 17, 2024Richard W Newsom listed as President (previously Executive Vice President) in SEC filings
Not reported recently (4)
  • James J Gartner · Last reported as Executive Vice President in an SEC filing dated Jan 17, 2024
  • Larry W Jones · Last reported as Executive Vice President in an SEC filing dated Nov 15, 2023
  • M Lynn Parrish · Last reported as a director in an SEC filing dated Apr 25, 2023
  • Nick Carter · Last reported as a director in an SEC filing dated Mar 8, 2018
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

CTBI Proposed Insider Sales (Form 144)

Latest: 2026-08-14
Last 30d: 0 filings  ·  Last 90d: 1 filing · $308K notice value · 1 unique filer

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Top 90-day filers: MINNIFIELD FRANKY (1, $308K)
Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-08-14 MINNIFIELD FRANKY Director 3,900 $307.5K 2026-08-14 LPL Financial — EDGAR
2025-08-25 144/A Waters Andy D Officer 918 $51.6K 2025-08-15 Fidelity Brokerage Services LLC — EDGAR
2024-07-22 Jones David Andrew Officer 1,059 $51.8K 2024-07-19 LPL Financial — EDGAR
2024-07-19 Waters Andy D Director 10,000 $492.1K 2024-07-19 Fidelity Brokerage Services LLC — EDGAR
2024-07-19 Jones David Andrew Officer 10,000 $494.2K 2024-07-22 LPL Financial 10b5-1 EDGAR
2023-12-06 DRAUGHN JAMES B Officer 5,000 $209.5K 2023-12-06 Raymond James & Associates 10b5-1 EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
74 ETFs hold CTBI
25 shown · $257.12M total exposure · 0.05% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.13% $39.7M $31.4B 2026-10-20
2 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $36.3M — 2026-09-30
3 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.04% $32.7M $75.1B 2026-10-20
4 DFAT Dimensional US Targeted Value ETF Dimensional 0.07% $22.0M — 2026-10-20
5 DFSV Dimensional US Small Cap Value ETF Dimensional 0.06% $17.2M — 2026-10-20
6 DFAS Dimensional US Small Cap ETF Dimensional 0.04% $15.2M — 2026-10-20
7 VXF Vanguard Extended Market ETF Vanguard 0.01% $14.0M — 2026-09-30
8 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.09% $11.7M $13.7B 2026-10-20
9 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.28% $11.0M $4.0B 2026-10-20
10 DFMC Dimensional US Micro Cap ETF Dimensional 0.11% $8.2M — 2026-10-20
11 VTWO Vanguard Russell 2000 ETF Vanguard 0.04% $7.0M — 2026-09-30
12 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.01% $6.1M — 2026-10-20
13 FESM Fidelity Enhanced Small Cap Core ETF Fidelity 0.09% $5.9M $6.6B 2026-10-20
14 SCHA Schwab U.S. Small-Cap ETF Nport 0.02% $4.9M — 2026-05-31
15 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.30% $3.7M $1.2B 2026-10-20
16 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.01% $3.6M — 2026-10-20
17 SMLF iShares U.S. Small-Cap Equity Factor ETF iShares (BlackRock) 0.07% $2.7M $4.2B 2026-10-20
18 DES WisdomTree U.S. SmallCap Dividend Fund Nport 0.11% $2.5M — 2026-06-30
19 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.07% $2.3M $3.1B 2026-10-20
20 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.09% $2.2M — 2026-06-30
21 VFH Vanguard Financials ETF Vanguard 0.02% $2.2M — 2026-09-30
22 ITOT iShares Core S&P Total U.S. Stock Market ETF iShares (BlackRock) 0.00% $1.8M $97.4B 2026-10-20
23 FYX First Trust Small Cap Core AlphaDEX® Fund First Trust 0.13% $1.7M $1.4B 2026-10-20
24 SMLV State Street® SPDR® US Small Cap Low Volatility Index ETF SPDR (State Street) 0.52% $1.3M $248.6M 2026-10-20
25 DFUV Dimensional US Marketwide Value ETF Dimensional 0.01% $1.2M $15.8B 2026-10-20
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
11.97
TTM Diluted EPS
$5.71
TTM Revenue
$415.55M
TTM Net Income
$103.28M
TTM Op. Cash Flow
$107.89M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$103.17M$27.19M$1.50$39.48M
Q4 '252025-12-31$106.14M$27.28M$1.51$14.94M
Q3 '252025-09-30$104.51M$23.91M$1.32$37.54M
Q2 '252025-06-30$101.74M$24.90M$1.38$15.93M
Q1 '252025-03-31$96.95M$21.97M$1.22$36.58M
Q4 '242024-12-31$98.14M$22.49M$1.25$22.44M
Q3 '242024-09-30$95.38M$22.14M$1.23$36.73M
Q2 '242024-06-30$92.36M$19.50M$1.09$19.97M
Q1 '242024-03-31$90.14M$18.68M$1.04$26.18M
Q4 '232023-12-31$87.05M$18.66M$1.04$19.97M
Q3 '232023-09-30$85.00M$20.63M$1.15$25.14M
Q2 '232023-06-30$79.58M$19.40M$1.08$15.45M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-08
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
11.97
P/B
1.42
P/S
2.97
EV/EBITDA
8.99
EV/Sales
2.90
ROE
11.9%
ROA
1.5%
Div Yield
2.79%
FCF Yield
8.75%
Debt/Equity
0.07
Current Ratio
—
Market Cap
$1.23B
as of 2026-10-21
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
631.49K
SI % of Float
3.78%
Days to Cover
4.62
Short Vol Ratio
53.8%
Free Float
16.69M
Float %
91.9%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-09-22