Citi Trends Inc. Common Stock (CTRN)

FairStock Score: 34/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a durable business bought at a sensible price. Citi Trends sells value apparel to budget-conscious customers, but retail apparel is brutally competitive, and I see little evidence of a wide moat. The filed numbers show a fragile turnaround. In fiscal 2024, the year ended 2025-02-01, revenue was $753.1M and net loss $43.2M. In fiscal 2025, the year ended 2026-01-31, revenue rose to $820.0M and net income was $5.2M, or $0.63 per diluted share. But the latest filed quarter, fiscal Q2 2026, ended 2026-08-01, showed revenue of $211.6M and a net loss of $931,000. Fiscal Q1 2026, ended 2026-05-02, earned $7.8M, while fiscal Q3 2025, ended 2025-11-01, lost $6.9M. Profits are erratic, not compounding. Financial health is not comforting. FairStock calculates debt-to-equity of 1.80, ROE of 6.17%, ROCE of 0.68%, a Piotroski F-score of 2/9, and an Altman Z-score of 1.99. Free cash flow is $6.5M trailing, a 1.6% FCF yield. At the close on 2026-10-13, the price was $49.59, giving a P/E of 57.66, P/B of 3.22, EV/EBITDA of 20.83, and a Graham Number of $17.02 — a margin of safety of -191.36%. The FairStock Score is 34/100. Revenue growth of 10.95% is a positive, but profit growth of -124.38% and no dividend leave little cushion. The Lynch category is TURNAROUND, which fits, but turnarounds need balance-sheet strength and consistent profit. This one has neither yet.

In plain English: Citi Trends sells low-priced clothing, accessories, and home items. The business looks weak right now: revenue is growing, but profits have been uneven, with some recent losses, and the company carries debt. The stock price looks expensive compared with its recent profits and accounting net worth.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-08-01) · fiscal Q1 2026 10-Q (period ended 2026-05-02) · fiscal Q3 2025 10-Q (period ended 2025-11-01) · fiscal Q2 2025 10-Q (period ended 2025-08-02) · FY2025 10-K (period ended 2026-01-31) · FY2024 10-K (period ended 2025-02-01) · FY2023 10-K (period ended 2024-02-03)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer