Community Trust [CTBI] vs U.S. Bancorp [USB] Detailed Stock Comparison

Community Trust Bancorp Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Community Trust Bancorp Inc. wins in 13 metrics, U.S. Bancorp wins in 6 metrics, with 0 ties. Community Trust Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Community Trust Bancorp Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.40 11.92 Community Trust Bancorp Inc.
Price-to-Book Ratio 1.36 1.51 Community Trust Bancorp Inc.
Debt-to-Equity Ratio 0.44 1.21 Community Trust Bancorp Inc.
PEG Ratio 0.48 0.82 Community Trust Bancorp Inc.
Profit Margin (TTM) 36.96% 29.29% Community Trust Bancorp Inc.
Operating Margin (TTM) 50.21% 37.84% Community Trust Bancorp Inc.
EBITDA Margin (TTM) 50.21% 37.84% Community Trust Bancorp Inc.
Return on Equity 12.48% 12.35% Community Trust Bancorp Inc.
Return on Assets (TTM) 1.59% 1.14% Community Trust Bancorp Inc.
Free Cash Flow (TTM) $97.39M $7.97B U.S. Bancorp
Dividend Yield 3.98% 3.82% Community Trust Bancorp Inc.
1-Year Return 40.81% 37.10% Community Trust Bancorp Inc.
Price-to-Sales Ratio (TTM) 4.23 3.32 U.S. Bancorp
Enterprise Value $1.47B $126.46B U.S. Bancorp
EV/Revenue Ratio 5.26 4.75 U.S. Bancorp
Revenue per Share (TTM) $16 $17 U.S. Bancorp
Earnings per Share (Diluted) $5.71 $4.77 Community Trust Bancorp Inc.
Beta (Stock Volatility) 0.55 1.03 Community Trust Bancorp Inc.
Short % of Float 1.55% 0.00% U.S. Bancorp

Community Trust Bancorp Inc. vs U.S. Bancorp Stock Performance Analysis

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CTBI
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Community Trust Bancorp Inc.-3.32%0.75%7.50%16.43%14.51%21.98%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Community Trust Bancorp Inc.40.81%88.11%77.91%107.22%187.71%131.86%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: Community Trust Bancorp Inc. vs U.S. Bancorp

MetricCTBIUSB
Market Information
Market Cap i$1.19B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i119,9649,829,002
90 Day Avg. Volume i104,12810,401,007
Last Close$68.82$57.79
52 Week Range$49.61 - $71.28$42.55 - $61.19
% from 52W High-3.45%-5.56%
All-Time High$71.31 (Jun 12, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-3.49%-9.09%
Growth Metrics
Quarterly Revenue Growth0.15%0.05%
Quarterly Earnings Growth0.24%0.14%
Financial Health
Profit Margin (TTM) i0.37%0.29%
Operating Margin (TTM) i0.50%0.38%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i0.441.21
Cash & Liquidity
Book Value per Share (MRQ)$47.99$37.54
Cash per Share (MRQ)$5.04$31.14
Operating Cash Flow (TTM) i$91.28M$6.04B
Levered Free Cash Flow (TTM) i$98.06M$7.19B
Dividends
Last 12-Month Dividend Yield i3.98%3.82%
Last 12-Month Dividend i$2.53$2.04

Valuation & Enterprise Metrics Analysis: Community Trust Bancorp Inc. vs U.S. Bancorp

MetricCTBI (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.4011.92
Forward P/E i10.4310.09
PEG Ratio i0.480.82
Price to Sales (TTM) i4.233.32
Price to Book (MRQ) i1.361.51
Market Capitalization
Market Capitalization i$1.19B$88.06B
Enterprise Value i$1.47B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i5.264.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.551.03
Book Value per Share (MRQ) i$47.99$37.54

Financial Statements Comparison: Community Trust Bancorp Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCTBI (2025)USB (2025)
Revenue/Sales i282.60M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i127.09M9.52B
Pre-Tax Income % of Revenue i45.0%33.3%
Income Tax i29.03M1.92B
Income Tax % of Revenue i10.3%6.7%
Net Income (Profit) i98.06M7.60B
Profit Margin i34.7%26.6%

Balance Sheet & Liquidity Metrics

MetricCTBI (2025)USB (2025)
Cash & Equivalents i363.93M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i80.49M60.76B
Long-Term Debt % of Revenue i28.5%212.9%
Total Shareholders Equity i856.07M65.65B
Retained Earnings i593.89M80.91B
Retained Earnings % of Revenue i210.2%283.5%
Property, Plant & Equipment i15.43M1.51B

Cash Flow Statement Comparison

MetricCTBI (2025)USB (2025)
Operating Cash Flow i91.28M6.04B
Operating Cash Flow % of Revenue i32.3%21.2%
Capital Expenditures i-6.49MN/A
Free Cash Flow i97.39M7.97B
FCF Margin i34.5%27.9%
Debt Repayment i-100.44M-9.05B
Common Stock Repurchase iN/A-489.00M

Short Interest & Institutional Ownership Analysis

MetricCTBIUSB
Shares Short i242,67727,002
Short Ratio i2.780.00
Short % of Float i1.55%0.00%
Shares Outstanding i18.16M1.56B
Float Shares i15.60M1.55B
% Held by Insiders i1.42%0.14%
% Held by Institutions i66.13%83.55%
% Held by Public i32.45%16.31%

Dividend Analysis & Yield Comparison: Community Trust Bancorp Inc. vs U.S. Bancorp

MetricCTBIUSB
Last 12-Month Dividend i$2.53$2.04
Last 12-Month Dividend Yield i3.98%3.82%
3-Year Avg Annual Dividend i$2.06$1.98
3-Year Avg Dividend Yield i1.02%1.19%
3-Year Total Dividends i$6.19$5.95
Ex-Dividend DateMar 13, 2026Dec 31, 2025