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Side-by-side financial comparison of Citi Trends Inc (CTRN) and FIRST COMMONWEALTH FINANCIAL CORP (FCF). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $133.7M, roughly 1.5× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs -3.5%, a 31.6% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 10.1%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
CTRN vs FCF — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $133.7M |
| Net Profit | $-6.9M | $37.5M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 28.1% |
| Revenue YoY | 10.1% | 13.0% |
| Net Profit YoY | 3.6% | 14.8% |
| EPS (diluted) | $-0.86 | $0.37 |
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 | — | $133.7M | ||
| Q4 25 | $197.1M | $137.9M | ||
| Q3 25 | $190.8M | $136.0M | ||
| Q2 25 | $201.7M | $131.0M | ||
| Q1 25 | $211.2M | $118.0M | ||
| Q4 24 | $179.1M | $120.4M | ||
| Q3 24 | $176.6M | $121.2M | ||
| Q2 24 | $186.3M | $120.2M |
| Q1 26 | — | $37.5M | ||
| Q4 25 | $-6.9M | $44.9M | ||
| Q3 25 | $3.8M | $41.3M | ||
| Q2 25 | $871.0K | $33.4M | ||
| Q1 25 | $-14.2M | $32.7M | ||
| Q4 24 | $-7.2M | $35.8M | ||
| Q3 24 | $-18.4M | $32.1M | ||
| Q2 24 | $-3.4M | $37.1M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 40.9% | ||
| Q3 25 | 1.8% | 38.1% | ||
| Q2 25 | 0.2% | 32.1% | ||
| Q1 25 | 0.6% | 34.8% | ||
| Q4 24 | -4.9% | 37.1% | ||
| Q3 24 | -14.1% | 33.4% | ||
| Q2 24 | -3.7% | 38.7% |
| Q1 26 | — | 28.1% | ||
| Q4 25 | -3.5% | 32.5% | ||
| Q3 25 | 2.0% | 30.4% | ||
| Q2 25 | 0.4% | 25.5% | ||
| Q1 25 | -6.7% | 27.7% | ||
| Q4 24 | -4.0% | 29.8% | ||
| Q3 24 | -10.4% | 26.5% | ||
| Q2 24 | -1.8% | 30.9% |
| Q1 26 | — | $0.37 | ||
| Q4 25 | $-0.86 | $0.44 | ||
| Q3 25 | $0.46 | $0.39 | ||
| Q2 25 | $0.11 | $0.32 | ||
| Q1 25 | $-1.70 | $0.32 | ||
| Q4 24 | $-0.86 | $0.35 | ||
| Q3 24 | $-2.21 | $0.31 | ||
| Q2 24 | $-0.42 | $0.36 |
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 | — | $154.9M |
| Stockholders' EquityBook value | $107.8M | $1.6B |
| Total Assets | $464.3M | $12.3B |
| Debt / EquityLower = less leverage | — | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $154.9M | ||
| Q4 25 | — | $261.7M | ||
| Q3 25 | — | $262.1M | ||
| Q2 25 | — | $262.4M | ||
| Q1 25 | — | $262.7M | ||
| Q4 24 | — | $263.0M | ||
| Q3 24 | — | $136.3M | ||
| Q2 24 | — | $136.6M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $107.8M | $1.6B | ||
| Q3 25 | $113.2M | $1.5B | ||
| Q2 25 | $108.6M | $1.5B | ||
| Q1 25 | $113.2M | $1.4B | ||
| Q4 24 | $130.3M | $1.4B | ||
| Q3 24 | $136.6M | $1.4B | ||
| Q2 24 | $154.8M | $1.4B |
| Q1 26 | — | $12.3B | ||
| Q4 25 | $464.3M | $12.3B | ||
| Q3 25 | $457.4M | $12.3B | ||
| Q2 25 | $437.4M | $12.2B | ||
| Q1 25 | $462.8M | $11.8B | ||
| Q4 24 | $467.1M | $11.6B | ||
| Q3 24 | $506.7M | $12.0B | ||
| Q2 24 | $484.1M | $11.6B |
| Q1 26 | — | 0.10× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× |
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 | $187.5M | ||
| Q3 25 | $3.9M | $49.5M | ||
| Q2 25 | $-11.0M | $30.4M | ||
| Q1 25 | $28.5M | $55.9M | ||
| Q4 24 | $-18.4M | $129.5M | ||
| Q3 24 | $5.6M | $53.6M | ||
| Q2 24 | $-19.6M | $22.7M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | $171.5M | ||
| Q3 25 | $-1.7M | — | ||
| Q2 25 | $-13.1M | — | ||
| Q1 25 | $26.0M | — | ||
| Q4 24 | $-20.4M | $113.9M | ||
| Q3 24 | $1.7M | — | ||
| Q2 24 | $-21.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 124.3% | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | -6.5% | — | ||
| Q1 25 | 12.3% | — | ||
| Q4 24 | -11.4% | 94.6% | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | -11.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 11.7% | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 1.1% | 12.9% | ||
| Q3 24 | 2.2% | — | ||
| Q2 24 | 0.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.18× | ||
| Q3 25 | 1.01× | 1.20× | ||
| Q2 25 | -12.59× | 0.91× | ||
| Q1 25 | — | 1.71× | ||
| Q4 24 | — | 3.61× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
