Atlanticus Holdings Corporation (ATLC) vs Community Trust Bancorp, Inc. (CTBI)
A side-by-side comparison of Atlanticus Holdings Corporation and Community Trust Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ATLC vs CTBI
growth of $100 · dividends reinvested · last 10yATLC vs CTBI: by the numbers
- •ATLC is the larger company ($1.40B vs $1.38B market cap).
- •ATLC trades at the lower trailing earnings multiple (12.12 vs 12.74 P/E), one valuation lens rather than an overall verdict.
- •CTBI converts more revenue to profit (25.55% vs 9.30% net margin).
- •ATLC grew revenue faster over the past five years (33.60% vs 12.35% CAGR).
- •CTBI pays a dividend (3.02% yield), while ATLC is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | ATLC | CTBI |
|---|---|---|
| P/E ratio | 12.12 | 12.74 |
| Forward P/E | 9.65 | 11.92 |
| PEG ratio | 1.41 | 1.26 |
| P/S ratio | 0.85 | 3.27 |
| P/B ratio | 2.00 | 1.55 |
Profitability
| Metric | ATLC | CTBI |
|---|---|---|
| Operating margin | 17.73% | 33.11% |
| Net margin | 9.30% | 25.55% |
| ROE | 20.76% | 12.11% |
Atlanticus Holdings Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Community Trust Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ATLC | CTBI |
|---|---|---|
| Dividend yield | N/A | 3.02% |
| Payout ratio | N/A | 38.53% |
Growth (annualized)
| Metric | ATLC | CTBI |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 12.35% |
| EPS CAGR (5Y) | 6.79% | 10.18% |
| Total return CAGR (5Y) | 11.24% | 16.62% |
Frequently asked
- Which has the lower trailing P/E, ATLC or CTBI?
- ATLC has the lower trailing P/E: ATLC trades at 12.12 and CTBI at 12.74. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLC or CTBI?
- Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus CTBI at 12.35%.
- Does ATLC or CTBI pay a bigger dividend?
- CTBI pays a dividend (3.02% yield), while ATLC is a former payer with no current dividend run rate.
- Is ATLC or CTBI more profitable?
- CTBI runs the higher net margin — ATLC at 9.30% versus CTBI at 25.55%.
- How have ATLC and CTBI total returns compared?
- Over the past 10 years, ATLC delivered 40.96% and CTBI delivered 11.66% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlanticus & Community Trust Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.