Community Trust Bancorp, Inc. cash flow to debt ratio of 26.94% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Community Trust Bancorp, Inc.'s free cash flow has increased 0.30% from $97.09M last year to $97.39M, signaling increasing performance

Community Trust Bancorp, Inc.'s debt to equity ratio is 0.42, which means that the company's assets are healthy financed, signaling financial stability.

Community Trust Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.42 last year to 0.42 today, signaling strengthened financials

Community Trust Bancorp, Inc. has a net debt to EBITDA ratio of 0.18x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Community Trust Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Community Trust Bancorp, Inc.'s profit margin has increased (16.02%) in the last year from 22.02% to 25.55%, signaling increasing performance

Community Trust Bancorp, Inc.'s short-term liabilities of $5.70B exceed its short-term assets of $5.20B, signaling financial risk

Community Trust Bancorp, Inc.'s return on assets of 1.55% is lower than the 5.00% threshold, indicating inefficient asset utilization

Community Trust Bancorp, Inc.'s return on equity of 12.52%, is lower than 15.00%, indicating bad performance

Community Trust Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Community Trust Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Community Trust Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Community Trust Bancorp, Inc. has a free cash flow yield of 6.92%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Community Trust Bancorp, Inc.'s yearly earnings has increased 18.41% since last year from $82.81M to $98.06M, signaling increasing performance

Community Trust Bancorp, Inc.'s yearly revenue has increased 8.86% since last year from $376.01M to $409.34M, signaling increasing performance

ROIC 1.55% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Community Trust Bancorp, Inc.'s 3-year revenue CAGR of 16.99% is positive, indicating growing revenue over the past 3 years

Community Trust Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Community Trust Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Community Trust Bancorp, Inc. is overvalued relative to its fair value price of 76.64 based on Discounted Cash Flow model

Community Trust Bancorp, Inc. has an earnings yield of 7.72%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Community Trust Bancorp, Inc. is overvalued relative to its fair value price of 32.64 based on EBITDA multiple model

Community Trust Bancorp, Inc. has an EV/EBITDA ratio of 10.90x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Community Trust Bancorp, Inc. is undervalued relative to its fair value price of 136.41 based on Earnings Fair Value model

Community Trust Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Community Trust Bancorp, Inc. has a price-to-book ratio of 1.57x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Community Trust Bancorp, Inc. has a price-to-sales ratio of 3.31x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue