Community Trust Bancorp, Inc. (CTBI) vs Preferred Bank (PFBC)
A side-by-side comparison of Community Trust Bancorp, Inc. and Preferred Bank 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 PFBC
growth of $100 · dividends reinvested · last 10yCTBI vs PFBC: by the numbers
- •CTBI is the larger company ($1.38B vs $1.24B market cap).
- •PFBC trades at the lower trailing earnings multiple (9.56 vs 12.75 P/E), one valuation lens rather than an overall verdict.
- •PFBC converts more revenue to profit (26.75% vs 25.55% net margin).
- •PFBC grew revenue faster over the past five years (18.69% vs 12.35% CAGR).
- •PFBC pays the higher dividend yield (3.76% vs 3.02%).
Metrics side by side
Valuation
| Metric | CTBI | PFBC |
|---|---|---|
| P/E ratio | 12.75 | 9.56 |
| Forward P/E | 11.93 | 9.73 |
| PEG ratio | 1.26 | 0.55 |
| P/S ratio | 3.27 | 2.44 |
| P/B ratio | 1.55 | 1.56 |
Profitability
| Metric | CTBI | PFBC |
|---|---|---|
| Operating margin | 33.11% | 38.22% |
| Net margin | 25.55% | 26.75% |
| ROE | 12.11% | 17.07% |
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.
Preferred Bank: 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 | PFBC |
|---|---|---|
| Dividend yield | 3.02% | 3.76% |
| Payout ratio | 38.53% | 36.11% |
Growth (annualized)
| Metric | CTBI | PFBC |
|---|---|---|
| Revenue CAGR (5Y) | 12.35% | 18.69% |
| EPS CAGR (5Y) | 10.18% | 17.94% |
| Total return CAGR (5Y) | 16.62% | 12.92% |
Frequently asked
- Which has the lower trailing P/E, CTBI or PFBC?
- PFBC has the lower trailing P/E: CTBI trades at 12.75 and PFBC at 9.56. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CTBI or PFBC?
- Over the past five years, PFBC grew revenue faster — CTBI at a 12.35% CAGR versus PFBC at 18.69%.
- Does CTBI or PFBC pay a bigger dividend?
- CTBI yields 3.02% and PFBC yields 3.76% based on trailing dividends and the latest price.
- Is CTBI or PFBC more profitable?
- PFBC runs the higher net margin — CTBI at 25.55% versus PFBC at 26.75%.
- How have CTBI and PFBC total returns compared?
- Over the past 10 years, CTBI delivered 11.66% and PFBC delivered 14.60% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Community Trust Bancorp & Preferred Bank 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.