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CTBI Dividend DRIP Calculator 2026
2.73% YieldFinancial ServicesCommunity Trust Bancorp, Inc. · NASDAQ
Price: $77.76 · Annual div: $2.12/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When CTBI pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CTBI → $2.82M in 10 years · $350.63/month
About Community Trust Bancorp, Inc. (CTBI) — Dividend Analysis 2026
Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 CTBI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CTBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.73% | -0.07% | $273 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.32% | -0.48% | $232 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.18% | -0.62% | $218 / yr |
| 🇬🇧 UK ISA | 0% | 2.73% | -0.07% | $273 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.49% | -0.31% | $249 / yr |
| 🇨🇦 TFSA | 0% | 2.73% | -0.07% | $273 / yr |
| 🇨🇦 CA Taxable | 25% | 2.05% | -0.75% | $205 / yr |
| 🇦🇺 Super (pension) | 15% | 2.32% | -0.48% | $232 / yr |
| 🇦🇺 AU Taxable | 30% | 1.91% | -0.89% | $191 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.01% | -0.79% | $201 / yr |
| 🇫🇷 FR Taxable | 30% | 1.91% | -0.89% | $191 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CTBI Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.12/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CTBI Dividend Payment Schedule
CTBI pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CTBI vs Financial Services Benchmarks
How CTBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CTBI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CTBI Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-08-14 | 3,900 | $78.85 | $307.5K | ||
| G-Gift | 2026-07-17 | 50 | $74.82 | $3.7K | ||
| G-Gift | 2026-07-01 | 50 | $73.45 | $3.7K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K | ||
| A-Award | 2026-04-28 | 301 | $66.46 | $20.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CTBI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Community Trust Bancorp, Inc. (CTBI) is currently trading at $77.76, trading near its 52-week high. The current dividend yield is 2.73% based on an annual payout of $2.12 per share.
CTBI (Community Trust Bancorp, Inc.) — 2.73% Dividend Yield Analysis
Community Trust Bancorp, Inc. (CTBI) is a financial services stock currently trading at $77.76 with a dividend yield of 2.73%. The company pays an annual dividend of $2.12 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CTBI has grown its dividend at a compound annual rate of 30.5%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest CTBI News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.