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Side-by-side financial comparison of Citi Trends Inc (CTRN) and Merchants Bancorp (MBIN). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $175.2M, roughly 1.1× Merchants Bancorp). Merchants Bancorp runs the higher net margin — 38.6% vs -3.5%, a 42.1% gap on every dollar of revenue. Over the past eight quarters, Merchants Bancorp's revenue compounded faster (4.8% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Ameris Bancorp is an American bank holding company headquartered in Atlanta, Georgia. Through its bank subsidiary, Ameris Bank, the company operates full-service branches in Georgia, Alabama, Florida, North Carolina and South Carolina, and mortgage-only locations in Georgia, Alabama, Florida, North Carolina, South Carolina, Virginia, Maryland, and Tennessee. The company offers online and mobile banking options for both consumers and businesses.
CTRN vs MBIN — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $175.2M |
| Net Profit | $-6.9M | $67.7M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 38.6% |
| Revenue YoY | 10.1% | — |
| Net Profit YoY | 3.6% | 16.3% |
| EPS (diluted) | $-0.86 | $1.25 |
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 | — | $175.2M | ||
| Q4 25 | $197.1M | $185.3M | ||
| Q3 25 | $190.8M | $171.1M | ||
| Q2 25 | $201.7M | $179.2M | ||
| Q1 25 | $211.2M | $145.9M | ||
| Q4 24 | $179.1M | $193.8M | ||
| Q3 24 | $176.6M | $149.6M | ||
| Q2 24 | $186.3M | $159.5M |
| Q1 26 | — | $67.7M | ||
| Q4 25 | $-6.9M | — | ||
| Q3 25 | $3.8M | $54.7M | ||
| Q2 25 | $871.0K | $38.0M | ||
| Q1 25 | $-14.2M | $58.2M | ||
| Q4 24 | $-7.2M | — | ||
| Q3 24 | $-18.4M | $61.3M | ||
| Q2 24 | $-3.4M | $76.4M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 39.9% | ||
| Q3 25 | 1.8% | 37.8% | ||
| Q2 25 | 0.2% | 27.3% | ||
| Q1 25 | 0.6% | 52.4% | ||
| Q4 24 | -4.9% | 66.0% | ||
| Q3 24 | -14.1% | 54.4% | ||
| Q2 24 | -3.7% | 62.2% |
| Q1 26 | — | 38.6% | ||
| Q4 25 | -3.5% | — | ||
| Q3 25 | 2.0% | 32.0% | ||
| Q2 25 | 0.4% | 21.2% | ||
| Q1 25 | -6.7% | 39.9% | ||
| Q4 24 | -4.0% | — | ||
| Q3 24 | -10.4% | 41.0% | ||
| Q2 24 | -1.8% | 47.9% |
| Q1 26 | — | $1.25 | ||
| Q4 25 | $-0.86 | $1.28 | ||
| Q3 25 | $0.46 | $0.97 | ||
| Q2 25 | $0.11 | $0.60 | ||
| Q1 25 | $-1.70 | $0.93 | ||
| Q4 24 | $-0.86 | $1.84 | ||
| Q3 24 | $-2.21 | $1.17 | ||
| Q2 24 | $-0.42 | $1.49 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $83.2M |
| Total DebtLower is stronger | — | $32.0M |
| Stockholders' EquityBook value | $107.8M | $2.3B |
| Total Assets | $464.3M | $20.3B |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $83.2M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $32.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $2.3B | ||
| Q4 25 | $107.8M | $2.3B | ||
| Q3 25 | $113.2M | $2.2B | ||
| Q2 25 | $108.6M | $2.2B | ||
| Q1 25 | $113.2M | $2.2B | ||
| Q4 24 | $130.3M | $2.2B | ||
| Q3 24 | $136.6M | $1.9B | ||
| Q2 24 | $154.8M | $1.9B |
| Q1 26 | — | $20.3B | ||
| Q4 25 | $464.3M | $19.4B | ||
| Q3 25 | $457.4M | $19.4B | ||
| Q2 25 | $437.4M | $19.1B | ||
| Q1 25 | $462.8M | $18.8B | ||
| Q4 24 | $467.1M | $18.8B | ||
| Q3 24 | $506.7M | $18.7B | ||
| Q2 24 | $484.1M | $18.2B |
| Q1 26 | — | 0.01× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| 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 | $-341.2M | ||
| Q3 25 | $3.9M | $29.8M | ||
| Q2 25 | $-11.0M | $-121.2M | ||
| Q1 25 | $28.5M | $148.0M | ||
| Q4 24 | $-18.4M | $-835.3M | ||
| Q3 24 | $5.6M | $-492.6M | ||
| Q2 24 | $-19.6M | $51.1M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | $-362.2M | ||
| Q3 25 | $-1.7M | $24.0M | ||
| Q2 25 | $-13.1M | $-125.7M | ||
| Q1 25 | $26.0M | $141.2M | ||
| Q4 24 | $-20.4M | $-853.7M | ||
| Q3 24 | $1.7M | $-497.2M | ||
| Q2 24 | $-21.2M | $45.8M |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | -195.5% | ||
| Q3 25 | -0.9% | 14.0% | ||
| Q2 25 | -6.5% | -70.1% | ||
| Q1 25 | 12.3% | 96.8% | ||
| Q4 24 | -11.4% | -440.6% | ||
| Q3 24 | 0.9% | -332.4% | ||
| Q2 24 | -11.4% | 28.7% |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 11.3% | ||
| Q3 25 | 2.9% | 3.4% | ||
| Q2 25 | 1.0% | 2.5% | ||
| Q1 25 | 1.2% | 4.7% | ||
| Q4 24 | 1.1% | 9.5% | ||
| Q3 24 | 2.2% | 3.0% | ||
| Q2 24 | 0.9% | 3.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.01× | 0.54× | ||
| Q2 25 | -12.59× | -3.19× | ||
| Q1 25 | — | 2.54× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -8.04× | ||
| Q2 24 | — | 0.67× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
