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Side-by-side financial comparison of Citi Trends Inc (CTRN) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $197.1M, roughly 1.0× Citi Trends Inc). H2O AMERICA runs the higher net margin — 8.1% vs -3.5%, a 11.6% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
CTRN vs HTO — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $199.4M |
| Net Profit | $-6.9M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 16.6% |
| Net Margin | -3.5% | 8.1% |
| Revenue YoY | 10.1% | 1.5% |
| Net Profit YoY | 3.6% | -29.2% |
| EPS (diluted) | $-0.86 | $0.45 |
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 | $197.1M | $199.4M | ||
| Q3 25 | $190.8M | $243.5M | ||
| Q2 25 | $201.7M | $197.8M | ||
| Q1 25 | $211.2M | $164.9M | ||
| Q4 24 | $179.1M | $196.5M | ||
| Q3 24 | $176.6M | $216.7M | ||
| Q2 24 | $186.3M | $173.1M | ||
| Q1 24 | $215.2M | $150.0M |
| Q4 25 | $-6.9M | $16.2M | ||
| Q3 25 | $3.8M | $45.1M | ||
| Q2 25 | $871.0K | $24.7M | ||
| Q1 25 | $-14.2M | $16.6M | ||
| Q4 24 | $-7.2M | $22.9M | ||
| Q3 24 | $-18.4M | $38.7M | ||
| Q2 24 | $-3.4M | $20.7M | ||
| Q1 24 | $3.6M | $11.7M |
| Q4 25 | -3.7% | 16.6% | ||
| Q3 25 | 1.8% | 26.5% | ||
| Q2 25 | 0.2% | 22.2% | ||
| Q1 25 | 0.6% | 21.8% | ||
| Q4 24 | -4.9% | 22.2% | ||
| Q3 24 | -14.1% | 26.9% | ||
| Q2 24 | -3.7% | 23.4% | ||
| Q1 24 | 1.8% | 18.6% |
| Q4 25 | -3.5% | 8.1% | ||
| Q3 25 | 2.0% | 18.5% | ||
| Q2 25 | 0.4% | 12.5% | ||
| Q1 25 | -6.7% | 10.0% | ||
| Q4 24 | -4.0% | 11.7% | ||
| Q3 24 | -10.4% | 17.8% | ||
| Q2 24 | -1.8% | 12.0% | ||
| Q1 24 | 1.7% | 7.8% |
| Q4 25 | $-0.86 | $0.45 | ||
| Q3 25 | $0.46 | $1.27 | ||
| Q2 25 | $0.11 | $0.71 | ||
| Q1 25 | $-1.70 | $0.49 | ||
| Q4 24 | $-0.86 | $0.70 | ||
| Q3 24 | $-2.21 | $1.17 | ||
| Q2 24 | $-0.42 | $0.64 | ||
| Q1 24 | $0.43 | $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 | — | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $107.8M | $1.5B |
| Total Assets | $464.3M | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $107.8M | $1.5B | ||
| 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 | $1.3B | ||
| Q2 24 | $154.8M | $1.3B | ||
| Q1 24 | $157.7M | $1.2B |
| Q4 25 | $464.3M | $5.1B | ||
| Q3 25 | $457.4M | $5.0B | ||
| Q2 25 | $437.4M | $4.8B | ||
| Q1 25 | $462.8M | $4.7B | ||
| Q4 24 | $467.1M | $4.7B | ||
| Q3 24 | $506.7M | $4.6B | ||
| Q2 24 | $484.1M | $4.4B | ||
| Q1 24 | $518.7M | $4.4B |
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $63.5M |
| Free Cash FlowOCF − Capex | $767.0K | — |
| FCF MarginFCF / Revenue | 0.4% | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $63.5M | ||
| Q3 25 | $3.9M | $77.3M | ||
| Q2 25 | $-11.0M | $60.8M | ||
| Q1 25 | $28.5M | $43.2M | ||
| Q4 24 | $-18.4M | $41.5M | ||
| Q3 24 | $5.6M | $53.5M | ||
| Q2 24 | $-19.6M | $49.3M | ||
| Q1 24 | $23.3M | $51.2M |
| 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 24 | $20.0M | — |
| 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 24 | 9.3% | — |
| 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 24 | 1.5% | — |
| Q4 25 | — | 3.92× | ||
| Q3 25 | 1.01× | 1.71× | ||
| Q2 25 | -12.59× | 2.47× | ||
| Q1 25 | — | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | — | 1.39× | ||
| Q2 24 | — | 2.38× | ||
| Q1 24 | 6.56× | 4.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
