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Side-by-side financial comparison of Citi Trends Inc (CTRN) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $109.4M, roughly 1.8× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs -3.5%, a 255.1% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs 9.0%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $767.0K). Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
CTRN vs TCBK — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $109.4M |
| Net Profit | $-6.9M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 42.6% |
| Net Margin | -3.5% | 251.6% |
| Revenue YoY | 10.1% | 9.0% |
| Net Profit YoY | 3.6% | 15.8% |
| EPS (diluted) | $-0.86 | $1.02 |
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 | $109.4M | ||
| Q3 25 | $190.8M | $107.6M | ||
| Q2 25 | $201.7M | $103.6M | ||
| Q1 25 | $211.2M | $98.6M | ||
| Q4 24 | $179.1M | $100.4M | ||
| Q3 24 | $176.6M | $99.1M | ||
| Q2 24 | $186.3M | $97.9M | ||
| Q1 24 | $215.2M | $98.5M |
| Q4 25 | $-6.9M | $33.6M | ||
| Q3 25 | $3.8M | $34.0M | ||
| Q2 25 | $871.0K | $27.5M | ||
| Q1 25 | $-14.2M | $26.4M | ||
| Q4 24 | $-7.2M | $29.0M | ||
| Q3 24 | $-18.4M | $29.1M | ||
| Q2 24 | $-3.4M | $29.0M | ||
| Q1 24 | $3.6M | $27.7M |
| Q4 25 | -3.7% | 42.6% | ||
| Q3 25 | 1.8% | 43.2% | ||
| Q2 25 | 0.2% | 36.5% | ||
| Q1 25 | 0.6% | 35.8% | ||
| Q4 24 | -4.9% | 38.7% | ||
| Q3 24 | -14.1% | 39.8% | ||
| Q2 24 | -3.7% | 40.0% | ||
| Q1 24 | 1.8% | 38.3% |
| Q4 25 | -3.5% | 251.6% | ||
| Q3 25 | 2.0% | 31.6% | ||
| Q2 25 | 0.4% | 26.6% | ||
| Q1 25 | -6.7% | 26.7% | ||
| Q4 24 | -4.0% | 221.4% | ||
| Q3 24 | -10.4% | 29.3% | ||
| Q2 24 | -1.8% | 29.7% | ||
| Q1 24 | 1.7% | 28.2% |
| Q4 25 | $-0.86 | $1.02 | ||
| Q3 25 | $0.46 | $1.04 | ||
| Q2 25 | $0.11 | $0.84 | ||
| Q1 25 | $-1.70 | $0.80 | ||
| Q4 24 | $-0.86 | $0.88 | ||
| Q3 24 | $-2.21 | $0.88 | ||
| Q2 24 | $-0.42 | $0.87 | ||
| Q1 24 | $0.43 | $0.83 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $157.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $1.3B |
| Total Assets | $464.3M | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $157.0M | ||
| Q3 25 | — | $298.8M | ||
| Q2 25 | — | $314.3M | ||
| Q1 25 | — | $308.3M | ||
| Q4 24 | — | $145.0M | ||
| Q3 24 | — | $320.1M | ||
| Q2 24 | — | $206.6M | ||
| Q1 24 | — | $82.8M |
| Q4 25 | $107.8M | $1.3B | ||
| Q3 25 | $113.2M | $1.3B | ||
| Q2 25 | $108.6M | $1.3B | ||
| Q1 25 | $113.2M | $1.3B | ||
| Q4 24 | $130.3M | $1.2B | ||
| Q3 24 | $136.6M | $1.2B | ||
| Q2 24 | $154.8M | $1.2B | ||
| Q1 24 | $157.7M | $1.2B |
| Q4 25 | $464.3M | $9.8B | ||
| Q3 25 | $457.4M | $9.9B | ||
| Q2 25 | $437.4M | $9.9B | ||
| Q1 25 | $462.8M | $9.8B | ||
| Q4 24 | $467.1M | $9.7B | ||
| Q3 24 | $506.7M | $9.8B | ||
| Q2 24 | $484.1M | $9.7B | ||
| Q1 24 | $518.7M | $9.8B |
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 | $133.3M |
| Free Cash FlowOCF − Capex | $767.0K | $127.9M |
| FCF MarginFCF / Revenue | 0.4% | 116.9% |
| Capex IntensityCapex / Revenue | 4.0% | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $133.3M | ||
| Q3 25 | $3.9M | $45.1M | ||
| Q2 25 | $-11.0M | $29.2M | ||
| Q1 25 | $28.5M | $24.5M | ||
| Q4 24 | $-18.4M | $109.7M | ||
| Q3 24 | $5.6M | $28.6M | ||
| Q2 24 | $-19.6M | $31.8M | ||
| Q1 24 | $23.3M | $25.1M |
| Q4 25 | $767.0K | $127.9M | ||
| Q3 25 | $-1.7M | $43.2M | ||
| Q2 25 | $-13.1M | $28.2M | ||
| Q1 25 | $26.0M | $22.8M | ||
| Q4 24 | $-20.4M | $105.2M | ||
| Q3 24 | $1.7M | $27.3M | ||
| Q2 24 | $-21.2M | $30.8M | ||
| Q1 24 | $20.0M | $24.1M |
| Q4 25 | 0.4% | 116.9% | ||
| Q3 25 | -0.9% | 40.2% | ||
| Q2 25 | -6.5% | 27.2% | ||
| Q1 25 | 12.3% | 23.1% | ||
| Q4 24 | -11.4% | 104.8% | ||
| Q3 24 | 0.9% | 27.6% | ||
| Q2 24 | -11.4% | 31.5% | ||
| Q1 24 | 9.3% | 24.4% |
| Q4 25 | 4.0% | 4.9% | ||
| Q3 25 | 2.9% | 1.7% | ||
| Q2 25 | 1.0% | 1.0% | ||
| Q1 25 | 1.2% | 1.7% | ||
| Q4 24 | 1.1% | 4.5% | ||
| Q3 24 | 2.2% | 1.3% | ||
| Q2 24 | 0.9% | 1.0% | ||
| Q1 24 | 1.5% | 1.0% |
| Q4 25 | — | 3.96× | ||
| Q3 25 | 1.01× | 1.33× | ||
| Q2 25 | -12.59× | 1.06× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | — | 3.78× | ||
| Q3 24 | — | 0.98× | ||
| Q2 24 | — | 1.10× | ||
| Q1 24 | 6.56× | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
