SmarterDividends

CTBI vs MS: Which Is the Better Dividend Stock?

As of June 2026, CTBI and MS are closely matched. CTBI offers the higher yield at 2.98%, CTBI has the higher dividend-safety score, and CTBI trades at the larger discount to fair value (+124%).

MetricCTBIMS
Forward yield2.98%1.87%
Annual dividend$2.12$4.00
Payout ratio36%36%
Years of growth23 yr12 yr
5-yr dividend growth5.5%22.4%
5-yr total return76%133%
Dividend safety score98 (A)80 (A)
Fair value estimate$159.76$283.58
Upside to fair value+124%+32%
Frequencyquarterlyquarterly
Market cap$1.3B$337.6B
P/E ratio12.519.4

Higher yield

CTBI

2.98%

Safer dividend

CTBI

Grade A

Faster growth

MS

22.4%

Better value

CTBI

+124% upside

CTBI vs MS — FAQ

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