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Side-by-side financial comparison of Citi Trends Inc (CTRN) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
TEXAS CAPITAL BANCSHARES INC is the larger business by last-quarter revenue ($324.0M vs $197.1M, roughly 1.6× Citi Trends Inc). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs -3.5%, a 26.3% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs 10.1%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
CTRN vs TCBI — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $324.0M |
| Net Profit | $-6.9M | $73.8M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 22.8% |
| Revenue YoY | 10.1% | 15.5% |
| Net Profit YoY | 3.6% | 56.8% |
| EPS (diluted) | $-0.86 | $1.56 |
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 | — | $324.0M | ||
| Q4 25 | $197.1M | $327.5M | ||
| Q3 25 | $190.8M | $340.4M | ||
| Q2 25 | $201.7M | $307.5M | ||
| Q1 25 | $211.2M | $280.5M | ||
| Q4 24 | $179.1M | $229.6M | ||
| Q3 24 | $176.6M | $125.3M | ||
| Q2 24 | $186.3M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $-6.9M | $100.7M | ||
| Q3 25 | $3.8M | $105.2M | ||
| Q2 25 | $871.0K | $77.3M | ||
| Q1 25 | $-14.2M | $47.0M | ||
| Q4 24 | $-7.2M | $71.0M | ||
| Q3 24 | $-18.4M | $-61.3M | ||
| Q2 24 | $-3.4M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 40.4% | ||
| Q3 25 | 1.8% | 40.5% | ||
| Q2 25 | 0.2% | 33.2% | ||
| Q1 25 | 0.6% | 21.6% | ||
| Q4 24 | -4.9% | 40.7% | ||
| Q3 24 | -14.1% | -63.8% | ||
| Q2 24 | -3.7% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | -3.5% | 30.7% | ||
| Q3 25 | 2.0% | 30.9% | ||
| Q2 25 | 0.4% | 25.2% | ||
| Q1 25 | -6.7% | 16.8% | ||
| Q4 24 | -4.0% | 30.9% | ||
| Q3 24 | -10.4% | -48.9% | ||
| Q2 24 | -1.8% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $-0.86 | $2.11 | ||
| Q3 25 | $0.46 | $2.18 | ||
| Q2 25 | $0.11 | $1.58 | ||
| Q1 25 | $-1.70 | $0.92 | ||
| Q4 24 | $-0.86 | $1.43 | ||
| Q3 24 | $-2.21 | $-1.41 | ||
| Q2 24 | $-0.42 | $0.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $878.3M |
| Stockholders' EquityBook value | $107.8M | $3.6B |
| Total Assets | $464.3M | $33.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $878.3M | ||
| Q4 25 | — | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | — | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $107.8M | $3.6B | ||
| Q3 25 | $113.2M | $3.6B | ||
| Q2 25 | $108.6M | $3.5B | ||
| Q1 25 | $113.2M | $3.4B | ||
| Q4 24 | $130.3M | $3.4B | ||
| Q3 24 | $136.6M | $3.4B | ||
| Q2 24 | $154.8M | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $464.3M | $31.5B | ||
| Q3 25 | $457.4M | $32.5B | ||
| Q2 25 | $437.4M | $31.9B | ||
| Q1 25 | $462.8M | $31.4B | ||
| Q4 24 | $467.1M | $30.7B | ||
| Q3 24 | $506.7M | $31.6B | ||
| Q2 24 | $484.1M | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
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 | $360.2M | ||
| Q3 25 | $3.9M | $166.3M | ||
| Q2 25 | $-11.0M | $63.0M | ||
| Q1 25 | $28.5M | $368.0K | ||
| Q4 24 | $-18.4M | $480.1M | ||
| Q3 24 | $5.6M | $332.8M | ||
| Q2 24 | $-19.6M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | $347.6M | ||
| Q3 25 | $-1.7M | $161.3M | ||
| Q2 25 | $-13.1M | $57.5M | ||
| Q1 25 | $26.0M | $-2.0M | ||
| Q4 24 | $-20.4M | $415.2M | ||
| Q3 24 | $1.7M | $317.6M | ||
| Q2 24 | $-21.2M | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 106.1% | ||
| Q3 25 | -0.9% | 47.4% | ||
| Q2 25 | -6.5% | 18.7% | ||
| Q1 25 | 12.3% | -0.7% | ||
| Q4 24 | -11.4% | 180.9% | ||
| Q3 24 | 0.9% | 253.4% | ||
| Q2 24 | -11.4% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 3.8% | ||
| Q3 25 | 2.9% | 1.5% | ||
| Q2 25 | 1.0% | 1.8% | ||
| Q1 25 | 1.2% | 0.9% | ||
| Q4 24 | 1.1% | 28.2% | ||
| Q3 24 | 2.2% | 12.1% | ||
| Q2 24 | 0.9% | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.58× | ||
| Q3 25 | 1.01× | 1.58× | ||
| Q2 25 | -12.59× | 0.81× | ||
| Q1 25 | — | 0.01× | ||
| Q4 24 | — | 6.76× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
