Which has grown faster, CTBI or JCAP?

Over the past five years, JCAP grew revenue faster — CTBI at a 12.35% CAGR versus JCAP at 54.92%.

Does CTBI or JCAP pay a bigger dividend?

CTBI yields 3.02% and JCAP yields 4.88% based on trailing dividends and the latest price.

Is CTBI or JCAP more profitable?

CTBI runs the higher net margin — CTBI at 25.55% versus JCAP at 23.50%.

Community Trust Bancorp, Inc. (CTBI) vs Jefferson Capital, Inc. Common Stock (JCAP)

A side-by-side comparison of Community Trust Bancorp, Inc. and Jefferson Capital, Inc. Common Stock 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.

CTBI

Community Trust Bancorp, Inc.

$1.38B

$76.11Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

JCAP

Jefferson Capital, Inc. Common Stock

$1.22B

$19.86Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CTBI vs JCAP

growth of $100 · dividends reinvested · last 1y

CTBI +52.4% (+52.4%/yr)JCAP +12.7% (+12.7%/yr)CTBI compounded faster over this window

CTBI JCAP

CTBI vs JCAP: by the numbers

•CTBI is the larger company ($1.38B vs $1.22B market cap).
•CTBI converts more revenue to profit (25.55% vs 23.50% net margin).
•JCAP grew revenue faster over the past five years (54.92% vs 12.35% CAGR).
•JCAP pays the higher dividend yield (4.88% vs 3.02%).

Metrics side by side

Valuation

Metric	CTBI	JCAP
P/E ratio	12.75	N/A
Forward P/E	11.93	6.69
PEG ratio	1.26	N/A
P/S ratio	3.27	1.86
P/B ratio	1.55	2.57

Profitability

Metric	CTBI	JCAP
Operating margin	33.11%	51.61%
Net margin	25.55%	23.50%
ROE	12.11%	32.55%

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.

Jefferson Capital, Inc. Common Stock: 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	JCAP
Dividend yield	3.02%	4.88%
Payout ratio	38.53%	N/A

Growth (annualized)

Metric	CTBI	JCAP
Revenue CAGR (5Y)	12.35%	54.92%
EPS CAGR (5Y)	10.18%	20.35%
Total return CAGR (5Y)	16.62%	N/A

Frequently asked

Which has grown faster, CTBI or JCAP?: Over the past five years, JCAP grew revenue faster — CTBI at a 12.35% CAGR versus JCAP at 54.92%.
Does CTBI or JCAP pay a bigger dividend?: CTBI yields 3.02% and JCAP yields 4.88% based on trailing dividends and the latest price.
Is CTBI or JCAP more profitable?: CTBI runs the higher net margin — CTBI at 25.55% versus JCAP at 23.50%.

Go deeper

Full CTBI analysis Full JCAP analysis Interactive comparison tool

Dig into the metrics

Community Trust Bancorp P/E ratio Community Trust Bancorp dividend yield Jefferson Capital, Inc. Common Stock dividend yield Community Trust Bancorp ROE Jefferson Capital, Inc. Common Stock ROE Community Trust Bancorp operating margin Jefferson Capital, Inc. Common Stock operating margin Community Trust Bancorp revenue growth Jefferson Capital, Inc. Common Stock revenue growth

Community Trust Bancorp & Jefferson Capital, Inc. Common Stock appear in these rankings

Highest Dividend Yield Stocks 25+ Year Dividend Growers Fastest Revenue Growth Stocks Highest ROE Stocks

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.