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Side-by-side financial comparison of Citi Trends Inc (CTRN) and ServisFirst Bancshares, Inc. (SFBS). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $159.0M, roughly 1.2× ServisFirst Bancshares, Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs -3.5%, a 55.7% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
ServisFirst Bancshares, Inc. is a U.S.-based bank holding company operating full-service banking locations primarily across the Southeastern United States. It offers a full suite of commercial banking, consumer banking, wealth management, and mortgage lending services to small and medium-sized businesses, professional clients, and individual consumers.
CTRN vs SFBS — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $159.0M |
| Net Profit | $-6.9M | $83.0M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 52.2% |
| Revenue YoY | 10.1% | — |
| Net Profit YoY | 3.6% | 31.2% |
| EPS (diluted) | $-0.86 | $1.52 |
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 | — | $159.0M | ||
| Q4 25 | $197.1M | $162.2M | ||
| Q3 25 | $190.8M | $136.3M | ||
| Q2 25 | $201.7M | $132.1M | ||
| Q1 25 | $211.2M | $131.8M | ||
| Q4 24 | $179.1M | $131.9M | ||
| Q3 24 | $176.6M | $123.7M | ||
| Q2 24 | $186.3M | $114.8M |
| Q1 26 | — | $83.0M | ||
| Q4 25 | $-6.9M | $86.4M | ||
| Q3 25 | $3.8M | $65.6M | ||
| Q2 25 | $871.0K | $61.4M | ||
| Q1 25 | $-14.2M | $63.2M | ||
| Q4 24 | $-7.2M | $65.2M | ||
| Q3 24 | $-18.4M | $59.9M | ||
| Q2 24 | $-3.4M | $52.1M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 66.3% | ||
| Q3 25 | 1.8% | 57.8% | ||
| Q2 25 | 0.2% | 58.0% | ||
| Q1 25 | 0.6% | 60.0% | ||
| Q4 24 | -4.9% | 60.2% | ||
| Q3 24 | -14.1% | 58.5% | ||
| Q2 24 | -3.7% | 58.0% |
| Q1 26 | — | 52.2% | ||
| Q4 25 | -3.5% | 59.0% | ||
| Q3 25 | 2.0% | 48.1% | ||
| Q2 25 | 0.4% | 46.5% | ||
| Q1 25 | -6.7% | 48.0% | ||
| Q4 24 | -4.0% | 52.9% | ||
| Q3 24 | -10.4% | 48.4% | ||
| Q2 24 | -1.8% | 45.4% |
| Q1 26 | — | $1.52 | ||
| Q4 25 | $-0.86 | $1.58 | ||
| Q3 25 | $0.46 | $1.20 | ||
| Q2 25 | $0.11 | $1.12 | ||
| Q1 25 | $-1.70 | $1.16 | ||
| Q4 24 | $-0.86 | $1.19 | ||
| Q3 24 | $-2.21 | $1.10 | ||
| Q2 24 | $-0.42 | $0.95 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.8B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $1.9B |
| Total Assets | $464.3M | $18.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.9B | ||
| Q4 25 | $107.8M | $1.8B | ||
| Q3 25 | $113.2M | $1.8B | ||
| Q2 25 | $108.6M | $1.7B | ||
| Q1 25 | $113.2M | $1.7B | ||
| Q4 24 | $130.3M | $1.6B | ||
| Q3 24 | $136.6M | $1.6B | ||
| Q2 24 | $154.8M | $1.5B |
| Q1 26 | — | $18.2B | ||
| Q4 25 | $464.3M | $17.7B | ||
| Q3 25 | $457.4M | $17.6B | ||
| Q2 25 | $437.4M | $17.4B | ||
| Q1 25 | $462.8M | $18.6B | ||
| Q4 24 | $467.1M | $17.4B | ||
| Q3 24 | $506.7M | $16.4B | ||
| Q2 24 | $484.1M | $16.0B |
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 | $355.2M | ||
| Q3 25 | $3.9M | $140.9M | ||
| Q2 25 | $-11.0M | $67.6M | ||
| Q1 25 | $28.5M | $48.0M | ||
| Q4 24 | $-18.4M | $252.9M | ||
| Q3 24 | $5.6M | $84.0M | ||
| Q2 24 | $-19.6M | $48.3M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | — | 4.11× | ||
| Q3 25 | 1.01× | 2.15× | ||
| Q2 25 | -12.59× | 1.10× | ||
| Q1 25 | — | 0.76× | ||
| Q4 24 | — | 3.88× | ||
| Q3 24 | — | 1.40× | ||
| Q2 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
