Question 1

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

Accepted Answer

Community Trust Bancorp (CTBI) P/B ratio is 1.5× as of July 22, 2026. The ratio is calculated by dividing market capitalisation by book value of equity, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/B ratio calculated?

Accepted Answer

P/B = Market Capitalisation ÷ Book Value of Equity (most recent quarterly shareholders' equity), or equivalently Share Price ÷ Book Value Per Share. 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/B ratio?

Accepted Answer

The price-to-book (P/B) ratio compares a company's market capitalisation to its book value of equity (total shareholders' equity) on the most recent quarterly balance sheet. It is calculated as market cap ÷ book value of equity (equivalent to share price ÷ book value per share). A P/B below 1× implies the market values the business below its accounting net worth; values well above 1× reflect intangible assets, brand value, or a high return on equity.

Question 4

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

Accepted Answer

A "good" P/B depends on the business model. Banks, insurers, and other capital-heavy financials typically trade near 1×; asset-light technology and consumer-brand companies can sustainably trade at 5×+ because much of their value is intangible. P/B is most informative when paired with return on equity (ROE).

Question 5

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

Accepted Answer

Community Trust Bancorp's P/B ratio of 1.5× is above its own 5-year average of 1.2×. That places the current reading at the 99th 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/B ratio range?

Accepted Answer

In the available daily series, Community Trust Bancorp (CTBI) P/B ratio has ranged from a low of 0.8× in 2020 to a high of 2.2× in 2006. The 5-year average is 1.2× and the 5-year median is 1.1×.

Question 7

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

Accepted Answer

Community Trust Bancorp (CTBI) P/B ratio at the end of 2025 was 1.2×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month book value figure available at that date.

Question 8

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

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (book value). 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	$856M	1.2×	-0.1×	Dec 31, 2025
2024	$953M	$758M	1.3×	+0.1×	Dec 31, 2024
2023	$785M	$702M	1.1×	-0.2×	Dec 31, 2023
2022	$820M	$628M	1.3×	+0.2×	Dec 31, 2022
2021	$776M	$698M	1.1×	+0.1×	Dec 31, 2021
2020	$658M	$655M	1.0×	-0.3×	Dec 31, 2020
2019	$827M	$615M	1.3×	+0.1×	Dec 31, 2019
2018	$701M	$564M	1.2×	-0.3×	Dec 31, 2018
2017	$831M	$531M	1.6×	-0.2×	Dec 31, 2017
2016	$873M	$501M	1.7×	+0.5×	Dec 31, 2016
2015	$611M	$476M	1.3×	-0.1×	Dec 31, 2015
2014	$635M	$448M	1.4×	-0.3×	Dec 31, 2014
2013	$709M	$412M	1.7×	+0.4×	Dec 31, 2013
2012	$509M	$400M	1.3×	+0.0×	Dec 31, 2012
2011	$451M	$367M	1.2×	-0.1×	Dec 31, 2011
2010	$442M	$339M	1.3×	+0.2×	Dec 31, 2010
2009	$371M	$321M	1.2×	-0.6×	Dec 31, 2009
2008	$554M	$308M	1.8×	+0.4×	Dec 31, 2008
2007	$413M	$301M	1.4×	-0.9×	Dec 31, 2007
2006	$629M	$282M	2.2×	+0.4×	Dec 31, 2006
2005	$459M	$254M	1.8×	-0.2×	Dec 31, 2005
2004	$480M	$236M	2.0×	+0.2×	Dec 31, 2004
2003	$406M	$221M	1.8×	+0.4×	Dec 31, 2003
2002	$309M	$209M	1.5×	—	Dec 31, 2002

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

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

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

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

Community Trust Bancorp P/B Ratio by Year

Community Trust Bancorp P/B Ratio 2025: 1.2×

Community Trust Bancorp P/B Ratio 2024: 1.3×

Community Trust Bancorp P/B Ratio 2023: 1.1×

Community Trust Bancorp P/B Ratio 2022: 1.3×

Community Trust Bancorp P/B Ratio 2021: 1.1×

Frequently asked questions

Community Trust Bancorp (CTBI) Key Financials