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Side-by-side financial comparison of Citi Trends Inc (CTRN) and James River Group Holdings, Inc. (JRVR). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $167.7M, roughly 1.2× James River Group Holdings, Inc.). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs -3.5%, a 22.6% gap on every dollar of revenue. On growth, James River Group Holdings, Inc. posted the faster year-over-year revenue change (32.4% vs 10.1%). Citi Trends Inc produced more free cash flow last quarter ($767.0K vs $-23.6M). Over the past eight quarters, Citi Trends Inc's revenue compounded faster (-4.3% CAGR vs -8.7%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
James River Corporation was an American pulp and paper company based in Richmond, Virginia, once the largest paper manufacturer in the world.
CTRN vs JRVR — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $167.7M |
| Net Profit | $-6.9M | $32.1M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 14.6% |
| Net Margin | -3.5% | 19.1% |
| Revenue YoY | 10.1% | 32.4% |
| Net Profit YoY | 3.6% | 149.5% |
| EPS (diluted) | $-0.86 | $0.59 |
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 | $167.7M | ||
| Q3 25 | $190.8M | $172.7M | ||
| Q2 25 | $201.7M | $174.8M | ||
| Q1 25 | $211.2M | $172.3M | ||
| Q4 24 | $179.1M | $126.7M | ||
| Q3 24 | $176.6M | $191.5M | ||
| Q2 24 | $186.3M | $188.3M | ||
| Q1 24 | $215.2M | $201.1M |
| Q4 25 | $-6.9M | $32.1M | ||
| Q3 25 | $3.8M | $1.0M | ||
| Q2 25 | $871.0K | $4.8M | ||
| Q1 25 | $-14.2M | $9.6M | ||
| Q4 24 | $-7.2M | $-64.8M | ||
| Q3 24 | $-18.4M | $-39.4M | ||
| Q2 24 | $-3.4M | $7.6M | ||
| Q1 24 | $3.6M | $15.4M |
| Q4 25 | -3.7% | 14.6% | ||
| Q3 25 | 1.8% | 1.5% | ||
| Q2 25 | 0.2% | 4.2% | ||
| Q1 25 | 0.6% | 9.3% | ||
| Q4 24 | -4.9% | -57.0% | ||
| Q3 24 | -14.1% | -27.1% | ||
| Q2 24 | -3.7% | 10.7% | ||
| Q1 24 | 1.8% | 16.4% |
| Q4 25 | -3.5% | 19.1% | ||
| Q3 25 | 2.0% | 0.6% | ||
| Q2 25 | 0.4% | 2.7% | ||
| Q1 25 | -6.7% | 5.6% | ||
| Q4 24 | -4.0% | -51.1% | ||
| Q3 24 | -10.4% | -20.6% | ||
| Q2 24 | -1.8% | 4.0% | ||
| Q1 24 | 1.7% | 7.7% |
| Q4 25 | $-0.86 | $0.59 | ||
| Q3 25 | $0.46 | $-0.02 | ||
| Q2 25 | $0.11 | $0.06 | ||
| Q1 25 | $-1.70 | $0.16 | ||
| Q4 24 | $-0.86 | $-2.44 | ||
| Q3 24 | $-2.21 | $-1.10 | ||
| Q2 24 | $-0.42 | $0.13 | ||
| Q1 24 | $0.43 | $0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $260.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $538.2M |
| Total Assets | $464.3M | $4.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $260.9M | ||
| Q3 25 | — | $238.8M | ||
| Q2 25 | — | $220.0M | ||
| Q1 25 | — | $279.4M | ||
| Q4 24 | — | $362.3M | ||
| Q3 24 | — | $359.8M | ||
| Q2 24 | — | $672.5M | ||
| Q1 24 | — | $305.5M |
| Q4 25 | $107.8M | $538.2M | ||
| Q3 25 | $113.2M | $503.6M | ||
| Q2 25 | $108.6M | $492.6M | ||
| Q1 25 | $113.2M | $484.5M | ||
| Q4 24 | $130.3M | $460.9M | ||
| Q3 24 | $136.6M | $530.3M | ||
| Q2 24 | $154.8M | $541.8M | ||
| Q1 24 | $157.7M | $539.5M |
| Q4 25 | $464.3M | $4.9B | ||
| Q3 25 | $457.4M | $5.0B | ||
| Q2 25 | $437.4M | $5.0B | ||
| Q1 25 | $462.8M | $4.9B | ||
| Q4 24 | $467.1M | $5.0B | ||
| Q3 24 | $506.7M | $5.0B | ||
| Q2 24 | $484.1M | $4.7B | ||
| Q1 24 | $518.7M | $5.3B |
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 | $-18.8M |
| Free Cash FlowOCF − Capex | $767.0K | $-23.6M |
| FCF MarginFCF / Revenue | 0.4% | -14.1% |
| Capex IntensityCapex / Revenue | 4.0% | 2.9% |
| Cash ConversionOCF / Net Profit | — | -0.59× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $-17.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $-18.8M | ||
| Q3 25 | $3.9M | $34.3M | ||
| Q2 25 | $-11.0M | $25.2M | ||
| Q1 25 | $28.5M | $-51.5M | ||
| Q4 24 | $-18.4M | $-247.1M | ||
| Q3 24 | $5.6M | $-269.9M | ||
| Q2 24 | $-19.6M | $-8.7M | ||
| Q1 24 | $23.3M | $24.1M |
| Q4 25 | $767.0K | $-23.6M | ||
| Q3 25 | $-1.7M | $33.7M | ||
| Q2 25 | $-13.1M | $24.7M | ||
| Q1 25 | $26.0M | $-52.7M | ||
| Q4 24 | $-20.4M | $-252.0M | ||
| Q3 24 | $1.7M | $-270.8M | ||
| Q2 24 | $-21.2M | $-9.3M | ||
| Q1 24 | $20.0M | $23.3M |
| Q4 25 | 0.4% | -14.1% | ||
| Q3 25 | -0.9% | 19.5% | ||
| Q2 25 | -6.5% | 14.1% | ||
| Q1 25 | 12.3% | -30.6% | ||
| Q4 24 | -11.4% | -198.9% | ||
| Q3 24 | 0.9% | -141.4% | ||
| Q2 24 | -11.4% | -4.9% | ||
| Q1 24 | 9.3% | 11.6% |
| Q4 25 | 4.0% | 2.9% | ||
| Q3 25 | 2.9% | 0.4% | ||
| Q2 25 | 1.0% | 0.3% | ||
| Q1 25 | 1.2% | 0.7% | ||
| Q4 24 | 1.1% | 3.9% | ||
| Q3 24 | 2.2% | 0.4% | ||
| Q2 24 | 0.9% | 0.3% | ||
| Q1 24 | 1.5% | 0.4% |
| Q4 25 | — | -0.59× | ||
| Q3 25 | 1.01× | 33.61× | ||
| Q2 25 | -12.59× | 5.29× | ||
| Q1 25 | — | -5.38× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -1.14× | ||
| Q1 24 | 6.56× | 1.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
JRVR
| Excess And Surplus Lines | $156.7M | 93% |
| Specialty Admitted Insurance | $10.9M | 7% |
