Community Trust Bancorp (NASDAQ:CTBI) & Signature Bank (NASDAQ:SBNY) Head to Head Analysis

Community Trust Bancorp (NASDAQ:CTBI) and Signature Bank (NASDAQ:SBNY) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, analyst recommendations, institutional ownership and dividends.

Valuation and Earnings

This table compares Community Trust Bancorp and Signature Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Trust Bancorp	$326.31 million	3.37	$78.00 million	$4.40	13.84
Signature Bank	$3.71 billion	N/A	$1.34 billion	N/A	N/A

Signature Bank has higher revenue and earnings than Community Trust Bancorp.

Volatility & Risk

Community Trust Bancorp has a beta of 0.63, indicating that its stock price is 37% less volatile than the S&P 500. Comparatively, Signature Bank has a beta of 9.6, indicating that its stock price is 860% more volatile than the S&P 500.

Institutional and Insider Ownership

60.2% of Community Trust Bancorp shares are owned by institutional investors. Comparatively, 11.1% of Signature Bank shares are owned by institutional investors. 4.3% of Community Trust Bancorp shares are owned by insiders. Comparatively, 1.5% of Signature Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Community Trust Bancorp and Signature Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Trust Bancorp	21.64%	11.13%	1.36%
Signature Bank	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Community Trust Bancorp and Signature Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Trust Bancorp	0	0	3	0	3.00
Signature Bank	0	0	0	0	0.00

Community Trust Bancorp presently has a consensus price target of $52.00, suggesting a potential downside of 14.61%. Given Community Trust Bancorp’s stronger consensus rating and higher probable upside, equities analysts plainly believe Community Trust Bancorp is more favorable than Signature Bank.

Summary

Community Trust Bancorp beats Signature Bank on 8 of the 11 factors compared between the two stocks.

About Community Trust Bancorp

Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that engages in the provision of commercial and personal banking, and trust and wealth management services to small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia, and northeastern Tennessee. The company accepts time and demand deposits, checking accounts, 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; and consumer 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. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, internet banking, and e-statement services. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.

About Signature Bank

As of March 12, 2023, Signature Bank went out of business. Previously, the company provided digital assets banking services and comprised of certain loan portfolios. The company was incorporated in 2000 and is based in New York, New York. Signature Bank now trades on OTCPK.