Community Trust Bancorp, Inc. (CTBI) vs United Fire Group, Inc. (UFCS)
A side-by-side comparison of Community Trust Bancorp, Inc. and United Fire Group, 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 UFCS
growth of $100 · dividends reinvested · last 10yCTBI vs UFCS: by the numbers
- •UFCS is the larger company ($1.41B vs $1.38B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.21 vs 12.74 P/E), one valuation lens rather than an overall verdict.
- •CTBI converts more revenue to profit (25.55% vs 9.57% net margin).
- •CTBI grew revenue faster over the past five years (12.35% vs 5.12% CAGR).
- •CTBI pays the higher dividend yield (3.02% vs 1.39%).
Metrics side by side
Valuation
| Metric | CTBI | UFCS |
|---|---|---|
| P/E ratio | 12.74 | 10.21 |
| Forward P/E | 11.92 | 11.04 |
| PEG ratio | 1.26 | N/A |
| P/S ratio | 3.27 | 0.96 |
| P/B ratio | 1.55 | 1.44 |
Profitability
| Metric | CTBI | UFCS |
|---|---|---|
| Operating margin | 33.11% | 12.01% |
| Net margin | 25.55% | 9.57% |
| ROE | 12.11% | 14.42% |
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.
United Fire Group, 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 | UFCS |
|---|---|---|
| Dividend yield | 3.02% | 1.39% |
| Payout ratio | 38.53% | 14.13% |
Growth (annualized)
| Metric | CTBI | UFCS |
|---|---|---|
| Revenue CAGR (5Y) | 12.35% | 5.12% |
| EPS CAGR (5Y) | 10.18% | N/A |
| Total return CAGR (5Y) | 16.62% | 21.47% |
Frequently asked
- Which has the lower trailing P/E, CTBI or UFCS?
- UFCS has the lower trailing P/E: CTBI trades at 12.74 and UFCS at 10.21. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CTBI or UFCS?
- Over the past five years, CTBI grew revenue faster — CTBI at a 12.35% CAGR versus UFCS at 5.12%.
- Does CTBI or UFCS pay a bigger dividend?
- CTBI yields 3.02% and UFCS yields 1.39% based on trailing dividends and the latest price.
- Is CTBI or UFCS more profitable?
- CTBI runs the higher net margin — CTBI at 25.55% versus UFCS at 9.57%.
- How have CTBI and UFCS total returns compared?
- Over the past 10 years, CTBI delivered 11.66% and UFCS delivered 5.28% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Community Trust Bancorp & United Fire 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.