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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and Citi Trends Inc (CTRN). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $138.0M, roughly 1.4× COASTAL FINANCIAL CORP). On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $767.0K). Over the past eight quarters, COASTAL FINANCIAL CORP's revenue compounded faster (-3.6% CAGR vs -4.3%).
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
CCB vs CTRN — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $197.1M |
| Net Profit | — | $-6.9M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | -3.7% |
| Net Margin | — | -3.5% |
| Revenue YoY | -5.8% | 10.1% |
| Net Profit YoY | — | 3.6% |
| EPS (diluted) | $0.84 | $-0.86 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $138.0M | $197.1M | ||
| Q3 25 | $144.7M | $190.8M | ||
| Q2 25 | $119.4M | $201.7M | ||
| Q1 25 | $139.5M | $211.2M | ||
| Q4 24 | $146.5M | $179.1M | ||
| Q3 24 | $151.1M | $176.6M | ||
| Q2 24 | $135.3M | $186.3M | ||
| Q1 24 | $148.4M | $215.2M |
| Q4 25 | — | $-6.9M | ||
| Q3 25 | $13.6M | $3.8M | ||
| Q2 25 | $11.0M | $871.0K | ||
| Q1 25 | $9.7M | $-14.2M | ||
| Q4 24 | — | $-7.2M | ||
| Q3 24 | $13.5M | $-18.4M | ||
| Q2 24 | $11.6M | $-3.4M | ||
| Q1 24 | $6.8M | $3.6M |
| Q4 25 | 12.4% | -3.7% | ||
| Q3 25 | 12.4% | 1.8% | ||
| Q2 25 | 12.0% | 0.2% | ||
| Q1 25 | 8.4% | 0.6% | ||
| Q4 24 | 11.7% | -4.9% | ||
| Q3 24 | 10.8% | -14.1% | ||
| Q2 24 | 11.1% | -3.7% | ||
| Q1 24 | 5.9% | 1.8% |
| Q4 25 | — | -3.5% | ||
| Q3 25 | 9.4% | 2.0% | ||
| Q2 25 | 9.2% | 0.4% | ||
| Q1 25 | 7.0% | -6.7% | ||
| Q4 24 | — | -4.0% | ||
| Q3 24 | 8.9% | -10.4% | ||
| Q2 24 | 8.6% | -1.8% | ||
| Q1 24 | 4.6% | 1.7% |
| Q4 25 | $0.84 | $-0.86 | ||
| Q3 25 | $0.88 | $0.46 | ||
| Q2 25 | $0.71 | $0.11 | ||
| Q1 25 | $0.63 | $-1.70 | ||
| Q4 24 | $0.95 | $-0.86 | ||
| Q3 24 | $0.97 | $-2.21 | ||
| Q2 24 | $0.84 | $-0.42 | ||
| Q1 24 | $0.50 | $0.43 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $491.0M | $107.8M |
| Total Assets | $4.7B | $464.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $491.0M | $107.8M | ||
| Q3 25 | $475.3M | $113.2M | ||
| Q2 25 | $461.7M | $108.6M | ||
| Q1 25 | $449.9M | $113.2M | ||
| Q4 24 | $438.7M | $130.3M | ||
| Q3 24 | $331.9M | $136.6M | ||
| Q2 24 | $316.7M | $154.8M | ||
| Q1 24 | $303.7M | $157.7M |
| Q4 25 | $4.7B | $464.3M | ||
| Q3 25 | $4.6B | $457.4M | ||
| Q2 25 | $4.5B | $437.4M | ||
| Q1 25 | $4.3B | $462.8M | ||
| Q4 24 | $4.1B | $467.1M | ||
| Q3 24 | $4.1B | $506.7M | ||
| Q2 24 | $4.0B | $484.1M | ||
| Q1 24 | $3.9B | $518.7M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $254.6M | $8.6M |
| Free Cash FlowOCF − Capex | $246.1M | $767.0K |
| FCF MarginFCF / Revenue | 178.3% | 0.4% |
| Capex IntensityCapex / Revenue | 6.1% | 4.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $11.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $8.6M | ||
| Q3 25 | $59.0M | $3.9M | ||
| Q2 25 | $66.0M | $-11.0M | ||
| Q1 25 | $71.7M | $28.5M | ||
| Q4 24 | $259.8M | $-18.4M | ||
| Q3 24 | $62.6M | $5.6M | ||
| Q2 24 | $72.1M | $-19.6M | ||
| Q1 24 | $56.8M | $23.3M |
| Q4 25 | $246.1M | $767.0K | ||
| Q3 25 | $57.4M | $-1.7M | ||
| Q2 25 | $64.0M | $-13.1M | ||
| Q1 25 | $68.9M | $26.0M | ||
| Q4 24 | $249.9M | $-20.4M | ||
| Q3 24 | $60.2M | $1.7M | ||
| Q2 24 | $69.5M | $-21.2M | ||
| Q1 24 | $55.0M | $20.0M |
| Q4 25 | 178.3% | 0.4% | ||
| Q3 25 | 39.7% | -0.9% | ||
| Q2 25 | 53.6% | -6.5% | ||
| Q1 25 | 49.4% | 12.3% | ||
| Q4 24 | 170.6% | -11.4% | ||
| Q3 24 | 39.8% | 0.9% | ||
| Q2 24 | 51.3% | -11.4% | ||
| Q1 24 | 37.1% | 9.3% |
| Q4 25 | 6.1% | 4.0% | ||
| Q3 25 | 1.2% | 2.9% | ||
| Q2 25 | 1.7% | 1.0% | ||
| Q1 25 | 2.0% | 1.2% | ||
| Q4 24 | 6.8% | 1.1% | ||
| Q3 24 | 1.6% | 2.2% | ||
| Q2 24 | 1.9% | 0.9% | ||
| Q1 24 | 1.2% | 1.5% |
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | 1.01× | ||
| Q2 25 | 5.99× | -12.59× | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | — | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | 6.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
CTRN
Segment breakdown not available.
