Community Trust Bancorp Inc.
Find Ratings ReportsCOMMUNITY TRUST BANCORP INC's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 11.80% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
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Net Sales ($mil) | 87.05 | 71.23 |
EBITDA ($mil) | 33.4 | 36.53 |
EBIT ($mil) | 32.08 | 35.15 |
Net Income ($mil) | 18.66 | 22.44 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 271.65 | 128.93 |
Total Assets ($mil) | 5769.7 | 5380.32 |
Total Debt ($mil) | 306.71 | 291.76 |
Equity ($mil) | 702.21 | 628.05 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 63.05 | 79.99 |
EBITDA Margin | 38.36 | 51.28 |
Operating Margin | 36.85 | 49.35 |
Sales Turnover | 0.06 | 0.05 |
Return on Assets | 1.35 | 1.52 |
Return on Equity | 11.11 | 13.03 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.3 | 0.32 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 18.0 | 17.92 |
Div / share | 0.46 | 0.44 |
EPS | 1.04 | 1.26 |
Book value / share | 39.01 | 35.05 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 47308.0 | 43950.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.00 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, COMMUNITY TRUST BANCORP INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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CTBI 8.95 | Peers 17.75 | CTBI 8.18 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. CTBI is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. CTBI is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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CTBI 9.22 | Peers 13.86 | CTBI NM | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. CTBI is trading at a significant discount to its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. CTBI's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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CTBI 1.00 | Peers 8.64 | CTBI -5.23 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. CTBI is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, CTBI is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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CTBI 2.15 | Peers 4.87 | CTBI 27.63 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. CTBI is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. CTBI significantly trails its peers on the basis of sales growth. |
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