CTBI vs EBC Stock Comparison
Compare CTBI and EBC across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between CTBI and EBC?
CTBI leads the current stock comparison as Community Trust Bancorp, Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Community Trust Bancorp, Inc. vs Eastern Bankshares, Inc.
CTBI leads
CTBI leads by 7 AIQ points, primarily on Momentum, and the lead has widened from 2 points over 30 sessions. Wall Street currently favors EBC on target upside.
Fragile: 3 of 6 evidence groups support CTBI, its lead is widening, and its current signal state is conflicted.
Community Trust Bancorp, Inc.
Eastern Bankshares, Inc.
The Algovestiq AIQ Score currently favors CTBI over EBC, 58 versus 51 as of Sep 6, 2026. CTBI's advantage is driven primarily by stronger momentum. CTBI also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors EBC. 3 of 6 covered evidence groups favor CTBI today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. CTBI lead: Strengthening — the AIQ differential moved from 2 to 7 points over 30 sessions.
Compare Community Trust Bancorp, Inc. and Eastern Bankshares, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare CTBI and EBC against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum25%57 vs 31CTBI +26
- Value30%49 vs 46Even
- Quality30%66 vs 68Even
- Risk Resilience15%60 vs 59Even
3 of 6 evidence groups favor CTBI. CTBI’s edge is concentrated in momentum.
What changed since the last close
Latest scored session 2026-09-05, compared against the prior scored session 2026-09-04.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
CTBI's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — CTBI and EBC both carry a full feed there.
The central trade-off
CTBI (Community Trust Bancorp, Inc.): the stronger current systematic profile, led by momentum.
EBC (Eastern Bankshares, Inc.): the counter-case, on analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
CTBICTBI on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
EBCEBC on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
CTBICTBI on the Momentum factor, by 26 points.
Lower downside
CTBICTBI carries the lower 1-month annualized volatility.
Analyst upside
EBCEBC on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors CTBI, analyst targets favor EBC. That disagreement is the most useful thing on this page.
| Measure | CTBI | EBC | Note |
|---|---|---|---|
| Implied upside to target | +2.5% | +13.9% | EBC has more room |
| Target dispersion | +7.5% | +11.8% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 2 | 5 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor CTBI. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | CTBI | 58 vs 51 |
| Fundamentals | CTBIon balance | revenue growth 5.5% vs -6.8%; EPS growth 8.6% vs 65.5%; TTM ROE 12.5% vs 9%; gross margin 68.6% vs 72.6%; operating margin 33.1% vs 24% — CTBI takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 49 vs 46 |
| Technicals | CTBI | Price vs 50-day 2.4% vs -2.1%; vs 200-day 18.4% vs 8.2% |
| Risk Resilience | Even | Risk Resilience 60 vs 59 |
| Analyst expectations | EBC | Target upside 2.5% vs 13.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of CTBI and EBC and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 7 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CTBI.
How the comparison changed
120 daily snapshots · Apr 24 – Sep 5CTBI lead: Strengthening — the AIQ differential moved from 2 to 7 points over 30 sessions.
- Today
- CTBI +7
- 58 vs 51
- 7 sessions ago
- CTBI +5
- 56 vs 51
- 30 sessions ago
- CTBI +2
- 62 vs 60
- 90 sessions ago
- EBC +1
- 61 vs 62
The lead changed hands 2 times in this window, most recently on Aug 18 when EBC moved ahead of CTBI.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (15.58%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
2 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.56%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
CTBI leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.35%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.72%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1EBC closes the Momentum gap — currently 26 points behind, the largest single contributor to CTBI's edge.
- 2EBC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3CTBI's conflicting signal state resolves bearish — it currently carries 4 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CTBI leads on balance| Metric | CTBI | EBC |
|---|---|---|
| Revenue growth (YoY) | 5.5% | -6.8% |
| EPS growth (YoY) | 8.6% | 65.5% |
| Gross margin | 68.6% | 72.6% |
| Operating margin | 33.1% | 24% |
| Return on equity (TTM) | 12.5% | 9% |
| Debt to equity | 0.42 | 0.09 |
Performance
CTBI leads 6 of 6 windows| Metric | CTBI | EBC |
|---|---|---|
| 1 week (5 sessions) | 1.4% | -0.2% |
| 1 month (20 sessions) | 0% | -2.6% |
| 3 months (63 sessions) | 15.1% | 12% |
| 6 months (126 sessions) | 29.9% | 17.1% |
| Year to date | 37.6% | 20.7% |
| 1 year (252 sessions) | 33.6% | 30.7% |
Technicals
CTBI has the stronger structure| Metric | CTBI | EBC |
|---|---|---|
| RSI (14) | 44.7 | 26.3 |
| ADX (14) | 18.7 | 32.4 |
| Price vs 50-day | 2.4% | -2.1% |
| Price vs 200-day | 18.4% | 8.2% |
| Volatility (1M, annualized) | 13.6% | 18.2% |
Risk
Split| Metric | CTBI | EBC |
|---|---|---|
| Beta | 0.46 | 0.8 |
| Sharpe ratio | 1.07 | 0.9 |
| Sortino ratio | 1.64 | 1.33 |
| Max drawdown | -13.3% | -15.6% |
| Current drawdown | -2.1% | -6% |
| Annualized volatility | 25.4% | 27.5% |
| Value at risk (95%) | -2.5% | -2.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, CTBI or EBC?
On the Algovestiq AIQ Score, CTBI is the stronger of the two as of Sep 6, 2026, scoring 58 against EBC's 51. The edge comes from momentum. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is CTBI or EBC the better buy right now?
CTBI carries the stronger systematic profile as of Sep 6, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor CTBI over EBC?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. CTBI leads Momentum by 26 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, CTBI or EBC?
Analyst price targets imply +2.5% upside for CTBI and +13.9% for EBC, so the Street currently favors EBC. That points the opposite way to the AIQ Score, which favors CTBI. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, CTBI or EBC?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, CTBI or EBC?
EBC on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, CTBI or EBC?
CTBI on the Momentum factor, by 26 points. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, CTBI or EBC?
CTBI is the more resilient of the two, so the other name carries the higher downside risk. CTBI carries the lower 1-month annualized volatility. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is CTBI more profitable than EBC?
The profitability evidence is mixed: gross margin 68.6% vs 72.6%; operating margin 33.1% vs 24%; ttm roe 12.5% vs 9%. CTBI leads on two measures and EBC on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is CTBI's lead over EBC getting stronger or weaker?
CTBI lead: Strengthening — the AIQ differential moved from 2 to 7 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-24 and 2026-09-05. The lead has changed hands 2 times in that window, most recently on 2026-08-18, when EBC moved ahead of CTBI.
What would change the CTBI vs EBC verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: EBC closes the Momentum gap — currently 26 points behind, the largest single contributor to CTBI's edge; EBC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; CTBI's conflicting signal state resolves bearish — it currently carries 4 bullish and 1 bearish rules at once; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about CTBI and EBC?
CTBI: 4 bullish / 1 bearish / 1 neutral, conflicted. EBC: 2 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on CTBI is Golden Cross Active (bullish, long horizon). On EBC it is Golden Cross Active (bullish, long horizon).
Compare CTBI and EBC with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.