Is COMMUNITY TRUST BANCORP INC /KY/ (CTBI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 50.4% | |
| Net Margin | 36.3% | |
| Return on Equity (ROE) | 12.2% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $105M |
| Free Cash Flow | $97M |
| Total Debt | $80M |
| Total Assets | $6.7B |
Price & Trading
| Last Close | $60.64 |
| 50-Day MA | $61.34 |
| 200-Day MA | $56.93 |
| Avg Volume | 76K |
| Beta | 0.6 |
|
52-Week Range
$44.60
| |
About COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
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Frequently Asked Questions
Is COMMUNITY TRUST BANCORP INC /KY/ (CTBI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), COMMUNITY TRUST BANCORP INC /KY/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is COMMUNITY TRUST BANCORP INC /KY/'s debt ratio?
COMMUNITY TRUST BANCORP INC /KY/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are COMMUNITY TRUST BANCORP INC /KY/'s key financial metrics?
COMMUNITY TRUST BANCORP INC /KY/ has a market capitalization of $1.1B, trailing P/E ratio of 11.0, and revenue of $283M. Return on equity stands at 12.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.