Market Price

45.05 

-0.07 -0.2%

as of Oct 23 '18

52 Week Range:

42.40 53.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, Keogh plans, and savings certificates, as well as checking and savings, individual retirement, NOW, and money market accounts. It also offers loan products, such as commercial and residential real estate loans; commercial, construction and development, mortgage, and personal loans, as well as consumer, and secured and unsecured loans; and lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing. In addition, the company provides cash management, safe deposit boxes rental, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. Further, it offers full service securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements. As of January 26, 2018, the company operated 70 banking locations in eastern, northeastern, central, and south central Kentucky; 6 banking locations in southern West Virginia; 4 banking locations in northeastern Tennessee; 4 trust offices in Kentucky; and 1 trust office in Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 18.21
18.60
19.25
20.15
21.29
23.31
23.48
25.09
26.83
28.37
29.56
growth rate 2.1% 3.5% 4.7% 5.7% 9.5% 0.7% 6.9% 6.9% 5.7% 4.2%
Earnings BIT 53.05
31.42
35.66
47.65
55.64
65.09
65.17
64.40
67.12
69.10
72.46
growth rate -40.8% 13.5% 33.6% 16.8% 17.0% 0.1% -1.2% 4.2% 3.0% 4.9%
Avg.PE 11.56
24.15
14.79
13.37
11.64
11.34
15.67
13.30
13.32
17.44
16.30
growth rate 108.9% -38.8% -9.6% -12.9% -2.6% 38.2% -15.1% 0.2% 30.9% -6.5%
ROA 1.25
0.79
0.83
1.03
1.12
1.24
1.25
1.18
1.22
1.21
1.28
growth rate -36.8% 5.1% 24.1% 8.7% 10.7% 0.8% -5.6% 3.4% -0.8% 5.8%
ROE 12.55
7.57
7.96
10.01
11.01
11.69
11.11
10.05
10.06
9.70
9.99
growth rate -39.7% 5.2% 25.8% 10.0% 6.2% -5.0% -9.5% 0.1% -3.6% 3.0%
ROIC 23.03
16.22
13.64
13.58
12.90
13.09
11.61
9.84
growth rate -29.6% -15.9% -0.4% -5.0% 1.5% -11.3% -15.3%
Leverage 9.63
9.59
9.60
9.91
9.79
9.08
8.68
8.31
8.21
7.85
7.79
growth rate -0.4% 0.1% 3.2% -1.2% -7.3% -4.4% -4.3% -1.2% -4.4% -0.8%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 2,874.26
2,980.78
3,081.31
3,263.86
growth rate 3.7% 3.4% 5.9%
Cur.Assets 152.84
233.47
182.90
218.26
growth rate 52.8% -21.7% 19.3%
Total Assets 2,954.50
3,086.70
3,355.90
3,591.18
3,635.66
3,581.72
3,723.77
3,903.93
3,932.17
4,136.23
growth rate 4.5% 8.7% 7.0% 1.2% -1.5% 4.0% 4.8% 0.7% 5.2%
Cash 95.00
94.50
132.60
809.97
848.46
757.84
41.02
118.21
70.62
101.77
growth rate -0.5% 40.3% 510.8% 4.8% -10.7% -94.6% 188.2% -40.3% 44.1%
Inventory 36.87
40.86
35.96
32.15
growth rate 10.8% -12.0% -10.6%
Cur.Liabilities 3,120.48
3,235.60
3,337.19
3,515.40
growth rate 3.7% 3.1% 5.3%
Liabilities 2,646.30
2,765.20
3,017.20
3,224.31
3,235.32
3,169.22
3,275.89
3,428.35
3,431.55
3,605.53
growth rate 4.5% 9.1% 6.9% 0.3% -2.0% 3.4% 4.7% 0.1% 5.1%
LT Debt 61.34
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
122.51
162.40
62.29
59.78
growth rate 3,173.6% 0.1% 0.1% 0.1% 0.1% 0.1% -93.9% 32.6% -61.7% -4.0%
Equity 301.36
308.20
321.50
338.60
366.87
400.34
412.49
447.88
475.58
500.62
530.70
growth rate 2.3% 4.3% 5.3% 8.4% 9.1% 3.0% 8.6% 6.2% 5.3% 6.0%
Common Shares 17.00
17.00
17.00
17.00
17.00
17.00
17.00
17.00
17.00
18.00
18.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 5.9% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 2.78
3.30
4.20
2.40
3.12
4.30
2.11
2.08
2.25
3.50
2.40
growth rate 18.7% 27.3% -42.9% 29.8% 38.0% -51.1% -1.1% 7.9% 55.7% -31.4%
Cash Dividends 16.36
17.40
18.10
18.30
18.74
19.22
24.55
20.57
21.33
22.19
22.98
growth rate 6.4% 4.0% 1.1% 2.4% 2.5% 27.7% -16.2% 3.7% 4.0% 3.6%
Cash From OA 51.00
54.80
37.70
61.30
64.33
57.90
90.72
57.53
54.98
61.43
62.35
growth rate 7.5% -31.2% 62.6% 4.9% -10.0% 56.7% -36.6% -4.4% 11.7% 1.5%
FCF per Share 2.85
3.09
2.01
3.49
4.83
3.14
4.51
3.22
2.72
3.80
2.92
growth rate 8.4% -35.0% 73.6% 38.4% -35.0% 43.6% -28.6% -15.5% 39.7% -23.2%
Sale Purchase of Stock 1.29
4.40
6.35
1.99
2.08
2.99
1.51
growth rate 240.4% 44.4% -68.6% 4.5% 43.4% -49.3%
FCF 48.00
52.00
33.00
59.00
60.00
54.00
89.00
55.00
53.00
58.00
60.00
growth rate 8.3% -36.5% 78.8% 1.7% -10.0% 64.8% -38.2% -3.6% 9.4% 3.5%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 142.64
125.40
146.90
160.20
202.29
199.68
197.43
167.54
167.83
170.97
175.97
growth rate -12.1% 17.2% 9.1% 26.3% -1.3% -1.1% -15.1% 0.2% 1.9% 2.9%
Op.Income 31.40
35.70
47.60
38.83
44.86
45.17
70.20
72.14
72.29
75.16
growth rate 13.7% 33.3% -18.4% 15.5% 0.7% 55.4% 2.8% 0.2% 4.0%
IBT 31.42
35.66
47.65
55.64
65.09
65.17
62.40
64.96
66.46
68.51
growth rate 13.5% 33.6% 16.8% 17.0% 0.1% -4.3% 4.1% 2.3% 3.1%
Net Income 23.10
25.10
33.00
38.83
44.86
45.17
43.25
46.43
47.35
51.49
growth rate 8.7% 31.5% 17.7% 15.5% 0.7% -4.3% 7.4% 2.0% 8.8%
EPS 2.16
1.38
1.50
1.96
2.30
2.63
2.62
2.49
2.66
2.70
2.92
growth rate -36.1% 8.7% 30.7% 17.4% 14.4% -0.4% -5.0% 6.8% 1.5% 8.2%
Gross Profit 167.54
167.83
170.97
175.97
growth rate 0.2% 1.9% 2.9%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 17.21
20.69
18.02
19.39
growth rate 20.2% -12.9% 7.6%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Payable 3,105.61
3,200.37
3,263.86
3,319.67
3,309.41
growth rate 3.1% 2.0% 1.7% -0.3%
Cur.Assets 177.50
211.34
218.26
235.70
235.38
growth rate 19.1% 3.3% 8.0% -0.1%
Total Assets 4,081.11
4,135.90
4,136.23
4,195.74
4,205.19
growth rate 1.3% 0.0% 1.4% 0.2%
Cash 55.83
62.42
101.77
48.67
59.09
growth rate 11.8% 63.1% -52.2% 21.4%
Inventory 32.79
32.05
32.15
32.00
30.26
growth rate -2.3% 0.3% -0.5% -5.4%
Cur.Liabilities 3,370.04
3,468.57
3,515.40
3,571.57
3,566.17
growth rate 2.9% 1.4% 1.6% -0.2%
Liabilities 3,566.20
3,612.97
3,605.53
3,658.25
3,663.01
growth rate 1.3% -0.2% 1.5% 0.1%
LT Debt 160.24
110.21
59.78
60.16
60.14
growth rate -31.2% -45.8% 0.7% 0.0%
Equity 514.92
522.93
530.70
537.49
542.18
growth rate 1.6% 1.5% 1.3% 0.9%
Common Shares 88.35
88.39
88.47
88.60
88.63
growth rate 0.0% 0.1% 0.2% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.70
0.49
0.72
0.51
1.58
growth rate -29.4% 45.6% -29.5% 210.9%
Cash Dividends 5.65
5.83
5.84
5.83
5.84
growth rate 3.1% 0.3% -0.1% 0.1%
Cash From OA 14.51
16.83
16.46
-12.60
48.66
growth rate 15.9% -2.2% -100.0% 100.0%
Sale Purchase of Stock 0.34
0.31
0.50
0.60
growth rate -9.4% 60.5% 20.2%
FCF 13.81
16.33
15.74
-13.10
47.09
growth rate 18.2% -3.7% -100.0% 100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 43.18
45.90
44.05
46.46
46.24
growth rate 6.3% -4.0% 5.5% -0.5%
Op.Income 18.59
21.47
17.89
19.94
16.42
growth rate 15.5% -16.7% 11.4% -17.7%
IBT 16.22
19.57
16.92
18.27
14.52
growth rate 20.7% -13.6% 8.0% -20.5%
Net Income 11.54
13.76
14.91
15.81
11.60
growth rate 19.3% 8.4% 6.1% -26.7%
EPS
growth rate
Gross Profit 43.18
45.90
44.05
46.46
46.24
growth rate 6.3% -4.0% 5.5% -0.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (38.69)

YOY Growth Grade:

D (37.66)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.34 14.18 13.31
EPS / Growth 2.3% 3.18 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.3% 4.5% 4.5%
Future PE 4.64 12.20 12.20
Future EPS 3.99 4.92 4.92
Value Price
MOS %
4.58
-89.8%
14.85
-67.0%
14.85
-67.0%
MOS Price 2.29 7.43 7.43
IRT 12.16 10.84 10.84

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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