CTBI

Community Trust Bancorp

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

Israel

Next Earnings Date

04/15/26

Business Summary

Cognyte Software provides infrastructure-level analytics solutions that process and interpret massive datasets for government and enterprise clients. The company generates revenue by delivering software platforms that enable intelligence, security, and investigative analytics, typically embedded deeply within customer workflows. Its moat derives from domain specialization, regulatory alignment, and integration complexity — once deployed, switching costs can be meaningful due to customization and mission-critical reliance. Cash generation ultimately depends on maintaining long-term contracts and expanding platform capabilities within existing accounts rather than commoditized, transactional software sales.

 


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VALUATION

P/E

11.9

Market Cap ($M USD)

$1,173

Forward P/E

10.7

PEG

2.1

PRICE TO SALES

4.1

PRICE TO BOOK

1.4

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

3.20%

Annual Payout

$2.12

Payout Ratio

36.80%

Consecutive Years of Dividend Growth

10+

5-Year Dividend Growth Rate

6.60%

Financial Health & Profitability

Earnings Per Share

$5.44

Next Year EPS Growth Estimate

$6.02

Next Year Revenue Growth Estimate

4.30%

Return on Equity (ROE)

11.50%

FREE CASH FLOW

Operating Margin

49.40%

Debt-to-Equity

0.1

Piotroski F-Score

6

Altman Z-Score

0.4

Return on Invested Capital (ROIC)

24.00%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

At a $589M market cap, CGNT screens like a speculative deep-value turnaround rather than a clean GARP compounder. A Forward P/E of 10.7 is optically cheap for a software infrastructure name, but that multiple is undermined by an operating margin of -0.30% and ROIC of -0.70%, signaling capital is not currently compounding efficiently. The Altman Z-Score of 1.8 places the company in financial distress territory, and with Debt/Equity at 3.30% and a thin 1.3 current ratio, balance sheet resilience is limited. This is not a market mispricing of a pristine asset — it’s a discounted multiple reflecting fragility and execution risk, with the low valuation acting as compensation for balance sheet and profitability uncertainty.

AI Exposure / Tech Reliance

As a Software – Infrastructure company, CGNT operates in a segment that is structurally aligned with AI-driven data processing and analytics demand. The sector tailwind is real, but the company’s -0.30% operating margin suggests it has yet to translate that positioning into durable operating leverage. In a rapidly evolving AI landscape, firms with stronger profitability metrics tend to outspend and out-innovate weaker peers.

The Bull Case

A value-oriented investor could justify a position based on stabilization signals rather than excellence. A Piotroski F-Score of 6 indicates middling but not distressed fundamentals, suggesting some operational consistency despite negative margins. Return on Equity of 10.30% shows equity is still generating accounting returns, and the modest 1.5 Price/Sales multiple implies the market is not pricing in aggressive growth assumptions. Combine that with a 10.7 Forward P/E and you have a setup where even modest margin expansion could re-rate the equity meaningfully, especially given the sub-$1B market cap where incremental improvements can materially shift valuation perception.

The Bear Case

The bear case is far more structural. Debt/Equity at 3.30% alongside an Altman Z-Score of 1.8 is a red flag combination — leverage is elevated relative to financial stability, and the balance sheet offers little cushion if earnings deteriorate. Operating Margin at -0.30% and ROIC at -0.70% indicate the core business is not currently creating economic value, and with EPS Next Year estimated at -$0.01, near-term profitability is expected to remain pressured. The lack of a PEG ratio and missing P/E signal earnings volatility, while a 1.3 current ratio leaves limited liquidity flexibility in a downturn. This is a company that must execute flawlessly just to justify its existing multiple.

Market Sentiment & Smart Money

Short Interest %

1.30%

Analyst Consensus

2

Average Analyst Price Target

$69.00

Institutional Ownership %

65.30%

1-Year Beta

0.72

Insider Buying % (6 Mo)

1.40%%

Distance to 52-Week High

98.20%

Distance to 52-Week Low

144.90%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.