Question 1

What is Community Trust Bancorp's EV/EBITDA ratio?

Accepted Answer

Community Trust Bancorp (CTBI) EV/EBITDA ratio is 11.5× as of July 22, 2026. The ratio is calculated by dividing enterprise value by trailing twelve-month EBITDA, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the EV/EBITDA ratio calculated?

Accepted Answer

EV/EBITDA = Enterprise Value ÷ Trailing Twelve-Month (TTM) EBITDA, where Enterprise Value = Market Capitalisation + Total Debt − Cash & Short-Term Investments. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the EV/EBITDA ratio?

Accepted Answer

The EV/EBITDA ratio (the enterprise multiple) compares enterprise value (EV) to trailing twelve-month (TTM) EBITDA. EV is calculated as market capitalisation + total debt − cash & short-term investments. Because EV/EBITDA is capital-structure-neutral and ignores non-cash depreciation and amortisation, it is the standard multiple used in M&A and for cross-company or cross-border comparisons. Note: this calculation uses a simplified EV (minority interest and preferred equity excluded due to data availability), consistent with most public financial-data providers.

Question 4

What is a good EV/EBITDA ratio for Community Trust Bancorp?

Accepted Answer

Mature, cash-generative businesses commonly trade in the 8–12× EV/EBITDA range; higher-growth, asset-light companies often trade at 15–25×+. EV/EBITDA is most useful for comparing companies with different capital structures (debt levels) or tax regimes.

Question 5

Is Community Trust Bancorp's EV/EBITDA ratio high or low?

Accepted Answer

Community Trust Bancorp's EV/EBITDA ratio of 11.5× is above its own 5-year average of -1.0×. That places the current reading at the 100th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Community Trust Bancorp's historical EV/EBITDA ratio range?

Accepted Answer

In the available daily series, Community Trust Bancorp (CTBI) EV/EBITDA ratio has ranged from a low of -6.4× in 2021 to a high of 20.6× in 2008. The 5-year average is -1.0× and the 5-year median is -2.9×.

Question 7

What was Community Trust Bancorp's EV/EBITDA ratio in 2025?

Accepted Answer

Community Trust Bancorp (CTBI) EV/EBITDA ratio at the end of 2025 was 7.8×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month EBITDA figure available at that date.

Question 8

Why does Community Trust Bancorp's EV/EBITDA ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (enterprise value, which tracks share price plus net debt) and the denominator (EBITDA). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$1.02B	$133M	7.8×	+9.2×	Dec 31, 2025
2024	$953M	$112M	-1.4×	+1.9×	Dec 31, 2024
2023	$785M	$104M	-3.3×	-0.7×	Dec 31, 2023
2022	$820M	$106M	-2.6×	+3.0×	Dec 31, 2022
2021	$776M	$116M	-5.6×	-2.3×	Dec 31, 2021
2020	$658M	$75.6M	-3.3×	-6.8×	Dec 31, 2020
2019	$827M	$77.5M	3.5×	+0.0×	Dec 31, 2019
2018	$701M	$74.3M	3.5×	-1.7×	Dec 31, 2018
2017	$831M	$72.5M	5.1×	-1.1×	Dec 31, 2017
2016	$873M	$70.4M	6.3×	+2.7×	Dec 31, 2016
2015	$611M	$68.9M	3.5×	-0.3×	Dec 31, 2015
2014	$635M	$66.7M	3.8×	-0.1×	Dec 31, 2014
2013	$709M	$69.7M	3.9×	+4.2×	Dec 31, 2013
2012	$509M	$69.4M	-0.2×	-0.3×	Dec 31, 2012
2011	$451M	$59.9M	0.0×	-11.3×	Dec 31, 2011
2010	$442M	$52M	11.3×	-2.1×	Dec 31, 2010
2009	$371M	$40.9M	13.5×	-7.1×	Dec 31, 2009
2008	$554M	$36.4M	20.6×	+10.9×	Dec 31, 2008
2007	$413M	$60.7M	9.7×	-4.0×	Dec 31, 2007
2006	$629M	$62.4M	13.7×	-0.8×	Dec 31, 2006
2005	$459M	$56.6M	14.5×	+0.1×	Dec 31, 2005
2004	$480M	$49.6M	14.4×	+3.9×	Dec 31, 2004
2003	$406M	$46.8M	10.6×	+2.7×	Dec 31, 2003
2002	$309M	$44.8M	7.8×	—	Dec 31, 2002

EV/EBITDA for Community Trust Bancorp (CTBI) 2002-2026

EV/EBITDA daily chart for Community Trust Bancorp (CTBI)

Historical EV/EBITDA for Community Trust Bancorp (CTBI) from 2002 to 2025

About EV/EBITDA at Community Trust Bancorp (CTBI)

Community Trust Bancorp EV/EBITDA by Year

Community Trust Bancorp EV/EBITDA 2025: 7.8×

Community Trust Bancorp EV/EBITDA 2024: -1.4×

Community Trust Bancorp EV/EBITDA 2023: -3.3×

Community Trust Bancorp EV/EBITDA 2022: -2.6×

Community Trust Bancorp EV/EBITDA 2021: -5.6×

Frequently asked questions

Community Trust Bancorp (CTBI) Key Financials