Community Trust Bancorp, Inc. (CTBI) vs HBT Financial, Inc. (HBT)
A side-by-side comparison of Community Trust Bancorp, Inc. and HBT Financial, 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 — CTBI vs HBT
growth of $100 · dividends reinvested · last 7yCTBI vs HBT: by the numbers
- •CTBI is the larger company ($1.38B vs $1.32B market cap).
- •CTBI trades at the lower trailing earnings multiple (12.75 vs 15.58 P/E), one valuation lens rather than an overall verdict.
- •CTBI converts more revenue to profit (25.55% vs 23.46% net margin).
- •HBT grew revenue faster over the past five years (15.41% vs 12.35% CAGR).
- •CTBI pays the higher dividend yield (3.02% vs 2.53%).
Metrics side by side
Valuation
| Metric | CTBI | HBT |
|---|---|---|
| P/E ratio | 12.75 | 15.58 |
| Forward P/E | 11.93 | 11.95 |
| PEG ratio | 1.26 | 1.22 |
| P/S ratio | 3.27 | 3.98 |
| P/B ratio | 1.55 | 1.73 |
Profitability
| Metric | CTBI | HBT |
|---|---|---|
| Operating margin | 33.11% | 31.83% |
| Net margin | 25.55% | 23.46% |
| ROE | 12.11% | 10.17% |
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.
HBT Financial, 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 | CTBI | HBT |
|---|---|---|
| Dividend yield | 3.02% | 2.53% |
| Payout ratio | 38.53% | 39.48% |
Growth (annualized)
| Metric | CTBI | HBT |
|---|---|---|
| Revenue CAGR (5Y) | 12.35% | 15.41% |
| EPS CAGR (5Y) | 10.18% | 12.74% |
| Total return CAGR (5Y) | 16.62% | 21.72% |
Frequently asked
- Which has the lower trailing P/E, CTBI or HBT?
- CTBI has the lower trailing P/E: CTBI trades at 12.75 and HBT at 15.58. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CTBI or HBT?
- Over the past five years, HBT grew revenue faster — CTBI at a 12.35% CAGR versus HBT at 15.41%.
- Does CTBI or HBT pay a bigger dividend?
- CTBI yields 3.02% and HBT yields 2.53% based on trailing dividends and the latest price.
- Is CTBI or HBT more profitable?
- CTBI runs the higher net margin — CTBI at 25.55% versus HBT at 23.46%.
- How have CTBI and HBT total returns compared?
- Over the past 5 years, CTBI delivered 16.62% and HBT delivered 21.72% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Community Trust Bancorp & HBT Financial 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.