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Side-by-side financial comparison of Citi Trends Inc (CTRN) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $194.8M, roughly 1.0× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -3.5%, a 52.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 10.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $767.0K). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
CTRN vs TMP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $194.8M |
| Net Profit | $-6.9M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 71.7% |
| Net Margin | -3.5% | 49.4% |
| Revenue YoY | 10.1% | 152.7% |
| Net Profit YoY | 3.6% | 388.9% |
| EPS (diluted) | $-0.86 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $190.8M | $87.4M | ||
| Q2 25 | $201.7M | $82.6M | ||
| Q1 25 | $211.2M | $81.7M | ||
| Q4 24 | $179.1M | $77.1M | ||
| Q3 24 | $176.6M | $76.6M | ||
| Q2 24 | $186.3M | $72.7M | ||
| Q1 24 | $215.2M | $72.8M |
| Q4 25 | $-6.9M | $96.2M | ||
| Q3 25 | $3.8M | $23.7M | ||
| Q2 25 | $871.0K | $21.5M | ||
| Q1 25 | $-14.2M | $19.7M | ||
| Q4 24 | $-7.2M | $19.7M | ||
| Q3 24 | $-18.4M | $18.6M | ||
| Q2 24 | $-3.4M | $15.7M | ||
| Q1 24 | $3.6M | $16.9M |
| Q4 25 | -3.7% | 71.7% | ||
| Q3 25 | 1.8% | 35.6% | ||
| Q2 25 | 0.2% | 34.2% | ||
| Q1 25 | 0.6% | 31.6% | ||
| Q4 24 | -4.9% | 33.4% | ||
| Q3 24 | -14.1% | 32.0% | ||
| Q2 24 | -3.7% | 28.3% | ||
| Q1 24 | 1.8% | 30.4% |
| Q4 25 | -3.5% | 49.4% | ||
| Q3 25 | 2.0% | 27.1% | ||
| Q2 25 | 0.4% | 26.0% | ||
| Q1 25 | -6.7% | 24.1% | ||
| Q4 24 | -4.0% | 25.5% | ||
| Q3 24 | -10.4% | 24.3% | ||
| Q2 24 | -1.8% | 21.6% | ||
| Q1 24 | 1.7% | 23.2% |
| Q4 25 | $-0.86 | $6.72 | ||
| Q3 25 | $0.46 | $1.65 | ||
| Q2 25 | $0.11 | $1.50 | ||
| Q1 25 | $-1.70 | $1.37 | ||
| Q4 24 | $-0.86 | $1.39 | ||
| Q3 24 | $-2.21 | $1.30 | ||
| Q2 24 | $-0.42 | $1.10 | ||
| Q1 24 | $0.43 | $1.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $938.4M |
| Total Assets | $464.3M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $132.8M | ||
| Q3 25 | — | $193.5M | ||
| Q2 25 | — | $212.6M | ||
| Q1 25 | — | $193.1M | ||
| Q4 24 | — | $134.4M | ||
| Q3 24 | — | $132.3M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | $107.8M | $938.4M | ||
| Q3 25 | $113.2M | $788.8M | ||
| Q2 25 | $108.6M | $761.8M | ||
| Q1 25 | $113.2M | $741.4M | ||
| Q4 24 | $130.3M | $713.4M | ||
| Q3 24 | $136.6M | $719.9M | ||
| Q2 24 | $154.8M | $674.6M | ||
| Q1 24 | $157.7M | $667.9M |
| Q4 25 | $464.3M | $8.7B | ||
| Q3 25 | $457.4M | $8.5B | ||
| Q2 25 | $437.4M | $8.4B | ||
| Q1 25 | $462.8M | $8.2B | ||
| Q4 24 | $467.1M | $8.1B | ||
| Q3 24 | $506.7M | $8.0B | ||
| Q2 24 | $484.1M | $7.9B | ||
| Q1 24 | $518.7M | $7.8B |
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 | $38.9M |
| Free Cash FlowOCF − Capex | $767.0K | $31.9M |
| FCF MarginFCF / Revenue | 0.4% | 16.4% |
| Capex IntensityCapex / Revenue | 4.0% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $38.9M | ||
| Q3 25 | $3.9M | $34.9M | ||
| Q2 25 | $-11.0M | $18.9M | ||
| Q1 25 | $28.5M | $22.2M | ||
| Q4 24 | $-18.4M | $95.0M | ||
| Q3 24 | $5.6M | $21.2M | ||
| Q2 24 | $-19.6M | $27.3M | ||
| Q1 24 | $23.3M | $23.2M |
| Q4 25 | $767.0K | $31.9M | ||
| Q3 25 | $-1.7M | $33.9M | ||
| Q2 25 | $-13.1M | $18.3M | ||
| Q1 25 | $26.0M | $20.9M | ||
| Q4 24 | $-20.4M | $88.8M | ||
| Q3 24 | $1.7M | $18.9M | ||
| Q2 24 | $-21.2M | $26.3M | ||
| Q1 24 | $20.0M | $21.9M |
| Q4 25 | 0.4% | 16.4% | ||
| Q3 25 | -0.9% | 38.8% | ||
| Q2 25 | -6.5% | 22.1% | ||
| Q1 25 | 12.3% | 25.5% | ||
| Q4 24 | -11.4% | 115.1% | ||
| Q3 24 | 0.9% | 24.7% | ||
| Q2 24 | -11.4% | 36.2% | ||
| Q1 24 | 9.3% | 30.0% |
| Q4 25 | 4.0% | 3.6% | ||
| Q3 25 | 2.9% | 1.1% | ||
| Q2 25 | 1.0% | 0.8% | ||
| Q1 25 | 1.2% | 1.7% | ||
| Q4 24 | 1.1% | 8.1% | ||
| Q3 24 | 2.2% | 2.9% | ||
| Q2 24 | 0.9% | 1.3% | ||
| Q1 24 | 1.5% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | 1.01× | 1.47× | ||
| Q2 25 | -12.59× | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 6.56× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
