Question 1

What is Community Trust Bancorp's P/FCF ratio?

Accepted Answer

Community Trust Bancorp (CTBI) P/FCF ratio is 13.6× as of June 29, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. 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 P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Community Trust Bancorp?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings.

Question 5

Is Community Trust Bancorp's P/FCF ratio high or low?

Accepted Answer

Community Trust Bancorp's P/FCF ratio of 13.6× is above its own 5-year average of 8.7×. 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 P/FCF ratio range?

Accepted Answer

In the available daily series, Community Trust Bancorp (CTBI) P/FCF ratio has ranged from a low of 1.2× in 2003 to a high of 24.4× in 2018. The 5-year average is 8.7× and the 5-year median is 8.8×.

Question 7

What was Community Trust Bancorp's P/FCF ratio in 2025?

Accepted Answer

Community Trust Bancorp (CTBI) P/FCF ratio at the end of 2025 was 11.0×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Community Trust Bancorp's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). 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	$92.9M	11.0×	+1.2×	Dec 31, 2025
2024	$953M	$97.1M	9.8×	-0.1×	Dec 31, 2024
2023	$785M	$79.4M	9.9×	+1.1×	Dec 31, 2023
2022	$820M	$93.5M	8.8×	+1.9×	Dec 31, 2022
2021	$776M	$113M	6.8×	-4.0×	Dec 31, 2021
2020	$658M	$60.9M	10.8×	+0.6×	Dec 31, 2020
2019	$827M	$80.9M	10.2×	-1.0×	Dec 31, 2019
2018	$701M	$62.7M	11.2×	-2.7×	Dec 31, 2018
2017	$831M	$60M	13.9×	-1.2×	Dec 31, 2017
2016	$873M	$57.9M	15.1×	+3.5×	Dec 31, 2016
2015	$611M	$52.7M	11.6×	+0.1×	Dec 31, 2015
2014	$635M	$55.4M	11.5×	+3.5×	Dec 31, 2014
2013	$709M	$88.6M	8.0×	-1.5×	Dec 31, 2013
2012	$509M	$53.6M	9.5×	+2.0×	Dec 31, 2012
2011	$451M	$60.5M	7.5×	-0.1×	Dec 31, 2011
2010	$442M	$58.7M	7.5×	-3.7×	Dec 31, 2010
2009	$371M	$32.9M	11.3×	+0.5×	Dec 31, 2009
2008	$554M	$51.6M	10.7×	+2.3×	Dec 31, 2008
2007	$413M	$49M	8.4×	-3.3×	Dec 31, 2007
2006	$629M	$53.4M	11.8×	+0.4×	Dec 31, 2006
2005	$459M	$40.2M	11.4×	+3.7×	Dec 31, 2005
2004	$480M	$61.9M	7.7×	+5.9×	Dec 31, 2004
2003	$406M	$225M	1.8×	+0.2×	Dec 31, 2003
2002	$309M	$195M	1.6×	—	Dec 31, 2002

P/FCF Ratio for Community Trust Bancorp (CTBI) 2002-2026

P/FCF Ratio daily chart for Community Trust Bancorp (CTBI)

Historical P/FCF Ratio for Community Trust Bancorp (CTBI) from 2002 to 2025

About P/FCF Ratio at Community Trust Bancorp (CTBI)

Community Trust Bancorp P/FCF Ratio by Year

Community Trust Bancorp P/FCF Ratio 2025: 11.0×

Community Trust Bancorp P/FCF Ratio 2024: 9.8×

Community Trust Bancorp P/FCF Ratio 2023: 9.9×

Community Trust Bancorp P/FCF Ratio 2022: 8.8×

Community Trust Bancorp P/FCF Ratio 2021: 6.8×

Frequently asked questions

Community Trust Bancorp (CTBI) Key Financials