Fair value (multi-method)
Four independent methods triangulate what CTBI is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$225.89
Method range
$42.68 – $225.89
median $70.64
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $225.89 | +204.48% |
| Exit multiple | $59.78 | -19.42% |
| Analyst target | $81.50 | +9.85% |
| Graham number | $42.68 | -42.47% |
- Forward DCF$225.89
- Exit multiple$59.78
- Analyst target$81.50
- Graham number$42.68
Stock price
$74.19
EPS (TTM)
$5.97
5Y EPS CAGR
10.1%
Fair value @ hist. growth
$225.89
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied EPS growth
-3.9%
per year over your projection horizon
Margin of safety 67.2% vs hist-growth DCF
Historical 5Y CAGR
10.1%
Your model implies
-3.9%
Next-year analyst consensus
7.0%
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.5% | -7.2% | -8.1% | -9.3% | -10.7% | -12.3% |
| 6.5% | -4.7% | -5.5% | -6.4% | -7.3% | -8.5% |
| 7.5% | -2.6% | -3.2% | -3.9% | -4.7% | -5.5% |
| 8.5% | -0.6% | -1.2% | -1.7% | -2.4% | -3.1% |
| 9.5% | 1.2% | 0.7% | 0.2% | -0.3% | -0.9% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
1.28
Fair vs growth
Net debt
$327M
Total debt − cash
Beta
0.56
Vs market benchmark
Annual diluted EPS
Per-share earnings by fiscal year — last 5 years anchor the CAGR reference above.
Frequently asked questions
Community Trust Bancorp (CTBI) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks
- Dividend Profile2.86% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History9 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.