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Side-by-side financial comparison of Citi Trends Inc (CTRN) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $197.1M, roughly 1.3× Citi Trends Inc). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 10.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $767.0K). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
CTRN vs PLMR — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $253.4M |
| Net Profit | $-6.9M | — |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 28.7% |
| Net Margin | -3.5% | — |
| Revenue YoY | 10.1% | 62.7% |
| Net Profit YoY | 3.6% | — |
| EPS (diluted) | $-0.86 | $2.05 |
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 | $253.4M | ||
| Q3 25 | $190.8M | $244.7M | ||
| Q2 25 | $201.7M | $203.3M | ||
| Q1 25 | $211.2M | $174.6M | ||
| Q4 24 | $179.1M | $155.8M | ||
| Q3 24 | $176.6M | $148.5M | ||
| Q2 24 | $186.3M | $131.1M | ||
| Q1 24 | $215.2M | $118.5M |
| Q4 25 | $-6.9M | — | ||
| Q3 25 | $3.8M | $51.5M | ||
| Q2 25 | $871.0K | $46.5M | ||
| Q1 25 | $-14.2M | $42.9M | ||
| Q4 24 | $-7.2M | — | ||
| Q3 24 | $-18.4M | $30.5M | ||
| Q2 24 | $-3.4M | $25.7M | ||
| Q1 24 | $3.6M | $26.4M |
| Q4 25 | -3.7% | 28.7% | ||
| Q3 25 | 1.8% | 27.4% | ||
| Q2 25 | 0.2% | 29.5% | ||
| Q1 25 | 0.6% | 30.8% | ||
| Q4 24 | -4.9% | 28.9% | ||
| Q3 24 | -14.1% | 25.9% | ||
| Q2 24 | -3.7% | 25.5% | ||
| Q1 24 | 1.8% | 29.0% |
| Q4 25 | -3.5% | — | ||
| Q3 25 | 2.0% | 21.0% | ||
| Q2 25 | 0.4% | 22.9% | ||
| Q1 25 | -6.7% | 24.6% | ||
| Q4 24 | -4.0% | — | ||
| Q3 24 | -10.4% | 20.5% | ||
| Q2 24 | -1.8% | 19.6% | ||
| Q1 24 | 1.7% | 22.3% |
| Q4 25 | $-0.86 | $2.05 | ||
| Q3 25 | $0.46 | $1.87 | ||
| Q2 25 | $0.11 | $1.68 | ||
| Q1 25 | $-1.70 | $1.57 | ||
| Q4 24 | $-0.86 | $1.29 | ||
| Q3 24 | $-2.21 | $1.15 | ||
| Q2 24 | $-0.42 | $1.00 | ||
| Q1 24 | $0.43 | $1.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $942.7M |
| Total Assets | $464.3M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $106.9M | ||
| Q3 25 | — | $111.7M | ||
| Q2 25 | — | $81.3M | ||
| Q1 25 | — | $119.3M | ||
| Q4 24 | — | $80.4M | ||
| Q3 24 | — | $86.5M | ||
| Q2 24 | — | $47.8M | ||
| Q1 24 | — | $61.4M |
| Q4 25 | $107.8M | $942.7M | ||
| Q3 25 | $113.2M | $878.1M | ||
| Q2 25 | $108.6M | $847.2M | ||
| Q1 25 | $113.2M | $790.4M | ||
| Q4 24 | $130.3M | $729.0M | ||
| Q3 24 | $136.6M | $703.3M | ||
| Q2 24 | $154.8M | $532.6M | ||
| Q1 24 | $157.7M | $501.7M |
| Q4 25 | $464.3M | $3.1B | ||
| Q3 25 | $457.4M | $2.9B | ||
| Q2 25 | $437.4M | $2.8B | ||
| Q1 25 | $462.8M | $2.4B | ||
| Q4 24 | $467.1M | $2.3B | ||
| Q3 24 | $506.7M | $2.3B | ||
| Q2 24 | $484.1M | $2.0B | ||
| Q1 24 | $518.7M | $1.9B |
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 | $409.1M |
| Free Cash FlowOCF − Capex | $767.0K | $409.0M |
| FCF MarginFCF / Revenue | 0.4% | 161.4% |
| Capex IntensityCapex / Revenue | 4.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $409.1M | ||
| Q3 25 | $3.9M | $83.6M | ||
| Q2 25 | $-11.0M | $120.9M | ||
| Q1 25 | $28.5M | $87.2M | ||
| Q4 24 | $-18.4M | $261.2M | ||
| Q3 24 | $5.6M | $100.3M | ||
| Q2 24 | $-19.6M | $55.1M | ||
| Q1 24 | $23.3M | $33.1M |
| Q4 25 | $767.0K | $409.0M | ||
| Q3 25 | $-1.7M | $83.6M | ||
| Q2 25 | $-13.1M | $120.8M | ||
| Q1 25 | $26.0M | $87.1M | ||
| Q4 24 | $-20.4M | $260.9M | ||
| Q3 24 | $1.7M | $100.1M | ||
| Q2 24 | $-21.2M | — | ||
| Q1 24 | $20.0M | — |
| Q4 25 | 0.4% | 161.4% | ||
| Q3 25 | -0.9% | 34.2% | ||
| Q2 25 | -6.5% | 59.4% | ||
| Q1 25 | 12.3% | 49.9% | ||
| Q4 24 | -11.4% | 167.5% | ||
| Q3 24 | 0.9% | 67.4% | ||
| Q2 24 | -11.4% | — | ||
| Q1 24 | 9.3% | — |
| Q4 25 | 4.0% | 0.1% | ||
| Q3 25 | 2.9% | 0.0% | ||
| Q2 25 | 1.0% | 0.0% | ||
| Q1 25 | 1.2% | 0.0% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 0.9% | 0.0% | ||
| Q1 24 | 1.5% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | 1.01× | 1.63× | ||
| Q2 25 | -12.59× | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | 6.56× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
