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Side-by-side financial comparison of Citi Trends Inc (CTRN) and Eastern Bankshares, Inc. (EBC). Click either name above to swap in a different company.
Eastern Bankshares, Inc. is the larger business by last-quarter revenue ($295.9M vs $197.1M, roughly 1.5× Citi Trends Inc). Eastern Bankshares, Inc. runs the higher net margin — 22.1% vs -3.5%, a 25.6% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs 1.7%). Over the past eight quarters, Eastern Bankshares, Inc.'s revenue compounded faster (38.6% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Eastern Bank is a bank based in Boston, Massachusetts. Before de-mutualizing in 2020, it was the oldest and largest mutual bank in the United States and the largest community bank in Massachusetts.
CTRN vs EBC — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $295.9M |
| Net Profit | $-6.9M | $65.3M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 22.1% |
| Revenue YoY | 10.1% | 1.7% |
| Net Profit YoY | 3.6% | 289.8% |
| EPS (diluted) | $-0.86 | $0.29 |
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.
| Q1 26 | — | $295.9M | ||
| Q4 25 | $197.1M | $37.5M | ||
| Q3 25 | $190.8M | $241.5M | ||
| Q2 25 | $201.7M | $244.9M | ||
| Q1 25 | $211.2M | $31.1M | ||
| Q4 24 | $179.1M | $216.5M | ||
| Q3 24 | $176.6M | $203.4M | ||
| Q2 24 | $186.3M | $154.0M |
| Q1 26 | — | $65.3M | ||
| Q4 25 | $-6.9M | $99.5M | ||
| Q3 25 | $3.8M | $106.1M | ||
| Q2 25 | $871.0K | $100.2M | ||
| Q1 25 | $-14.2M | $-217.7M | ||
| Q4 24 | $-7.2M | $60.8M | ||
| Q3 24 | $-18.4M | $-6.2M | ||
| Q2 24 | $-3.4M | $26.3M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | — | ||
| Q3 25 | 1.8% | 38.9% | ||
| Q2 25 | 0.2% | 41.0% | ||
| Q1 25 | 0.6% | -590.9% | ||
| Q4 24 | -4.9% | 33.3% | ||
| Q3 24 | -14.1% | -1.6% | ||
| Q2 24 | -3.7% | 24.7% |
| Q1 26 | — | 22.1% | ||
| Q4 25 | -3.5% | 265.6% | ||
| Q3 25 | 2.0% | 44.0% | ||
| Q2 25 | 0.4% | 40.9% | ||
| Q1 25 | -6.7% | -699.2% | ||
| Q4 24 | -4.0% | 28.1% | ||
| Q3 24 | -10.4% | -3.0% | ||
| Q2 24 | -1.8% | 17.1% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | $-0.86 | $0.48 | ||
| Q3 25 | $0.46 | $0.53 | ||
| Q2 25 | $0.11 | $0.50 | ||
| Q1 25 | $-1.70 | $-1.08 | ||
| Q4 24 | $-0.86 | $0.29 | ||
| Q3 24 | $-2.21 | $-0.03 | ||
| Q2 24 | $-0.42 | $0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $551.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $4.3B |
| Total Assets | $464.3M | $30.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $551.7M | ||
| Q4 25 | — | $507.6M | ||
| Q3 25 | — | $703.4M | ||
| Q2 25 | — | $948.3M | ||
| Q1 25 | — | $609.0M | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.4B |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $107.8M | $4.3B | ||
| Q3 25 | $113.2M | $3.8B | ||
| Q2 25 | $108.6M | $3.7B | ||
| Q1 25 | $113.2M | $3.6B | ||
| Q4 24 | $130.3M | $3.6B | ||
| Q3 24 | $136.6M | $3.7B | ||
| Q2 24 | $154.8M | $3.0B |
| Q1 26 | — | $30.6B | ||
| Q4 25 | $464.3M | $30.6B | ||
| Q3 25 | $457.4M | $25.5B | ||
| Q2 25 | $437.4M | $25.5B | ||
| Q1 25 | $462.8M | $25.0B | ||
| Q4 24 | $467.1M | $25.6B | ||
| Q3 24 | $506.7M | $25.5B | ||
| Q2 24 | $484.1M | $21.0B |
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 | $8.6M | — |
| Free Cash FlowOCF − Capex | $767.0K | — |
| FCF MarginFCF / Revenue | 0.4% | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.6M | $432.4M | ||
| Q3 25 | $3.9M | $157.1M | ||
| Q2 25 | $-11.0M | $123.9M | ||
| Q1 25 | $28.5M | $47.3M | ||
| Q4 24 | $-18.4M | $283.8M | ||
| Q3 24 | $5.6M | $108.3M | ||
| Q2 24 | $-19.6M | $54.3M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | — | ||
| Q3 25 | $-1.7M | — | ||
| Q2 25 | $-13.1M | — | ||
| Q1 25 | $26.0M | — | ||
| Q4 24 | $-20.4M | — | ||
| Q3 24 | $1.7M | — | ||
| Q2 24 | $-21.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | — | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | -6.5% | — | ||
| Q1 25 | 12.3% | — | ||
| Q4 24 | -11.4% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | -11.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.2% | — | ||
| Q2 24 | 0.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.35× | ||
| Q3 25 | 1.01× | 1.48× | ||
| Q2 25 | -12.59× | 1.24× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.67× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
EBC
| ALLL / total nonperforming loans ("NPLs") | $238.2M | 80% |
| Other | $51.6M | 17% |
| Return on average shareholders' equity | $6.1M | 2% |
