CTRN Stock Analysis: Citi Trends | NASDAQ
Apparel Retail | NASDAQ, USA | Market Cap: 460m USD | 12M Return: 88.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.6M
Qual. Beats: 1
Rev. Trend: 87.3%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Citi Trends, Inc. (CTRN) is a U.S. value retailer of apparel, accessories, and home goods headquartered in Savannah, Georgia. Founded in 1946 as Allied Fashion, the company adopted its current name in 2001 and trades on NASDAQ as a small-cap stock within the Apparel Retail sub-industry of Consumer Discretionary.
The company serves a broad demographic range, offering apparel for women (juniors, missy, and plus size), men (including big & tall), and children (boys up to size 20, girls up to size 16, plus newborns, infants, and toddlers), as well as childrens uniforms and scrubs. Beyond apparel, Citi Trends sells accessories such as handbags, luggage, hats, belts, sunglasses, jewelry, and watches; underwear, socks, beauty, and fragrance products; home goods for bedroom, bathroom, and kitchen; and footwear for men, women, and children. Its merchandise mix also extends to books, food, tech, team sports products, toys, and seasonal items.
As a value retailer in the apparel sector, Citi Trends targets price-sensitive consumers by offering brand-name and private-label merchandise at lower price points, typically through a treasure-hunt shopping format with frequently refreshed inventory. Apparel retailers in this segment tend to be cyclical, with sales closely tied to discretionary consumer spending and macroeconomic conditions affecting lower- and middle-income households.
- Lower-income consumer spending trends drive comparable store sales
- Tariffs on Asian imports pressure merchandise gross margins
- Store closure program improves profitability and fleet productivity
| Net Income: 12.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 7.12 > 1.0 |
| NWC/Revenue: 3.18% < 20% (prev 2.36%; Δ 0.82% < -1%) |
| CFO/TA 0.11 > 3% & CFO 52.8m > Net Income 12.1m |
| Net Debt (145.4m) to EBITDA (31.3m): 4.64 < 3 |
| Current Ratio: 1.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.48m) vs 12m ago 3.84% < -2% |
| Gross Margin: 38.03% > 18% (prev 38.39%; Δ -0.35% > 0.5%) |
| Asset Turnover: 181.9% > 50% (prev 175.7%; Δ 6.20% > 0%) |
| Interest Coverage Ratio: 34.33 > 6 (EBIT TTM 12.1m / Interest Expense TTM 352k) |
| A: 0.05 (Total Current Assets 213.0m - Total Current Liabilities 186.0m) / Total Assets 496.2m |
| B: 0.58 (Retained Earnings 288.9m / Total Assets 496.2m) |
| C: 0.03 (EBIT TTM 12.1m / Avg Total Assets 466.8m) |
| D: 0.34 (Book Value of Equity 125.3m / Total Liabilities 370.8m) |
| Altman-Z'' = 2.78 = A |
| DSRI: 0.15 (Receivables 522k/3.12m, Revenue 849.1m/768.5m) |
| GMI: 1.01 (GM 38.39% / 38.03%) |
| AQI: -28.65 (AQ_t -0.09 / AQ_t-1 0.00) |
| SGI: 1.10 (Revenue 849.1m / 768.5m) |
| TATA: -0.08 (NI 12.1m - CFO 52.8m) / TA 496.2m) |
| Beneish M = -21.23 (Cap -4..+1) = AAA |
As of July 12, 2026, the stock is trading at USD 57.72 with a total of 130,370 shares traded. Over the past week, the price has changed by +4.41%, over one month by +26.41%, over three months by +28.70% and over the past year by +88.26%.
Current recommended Stop Loss: 53.30 (which is 7.7% or 1.2 ATR below the current price).
Citi Trends has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy CTRN.
- StrongBuy: 2
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 73 | 26.5% |
P/E Trailing = 38.6573
P/E Forward = 3.643
P/S = 0.5423
P/B = 3.7448
P/EG = 2.8531
Revenue TTM = 849.1m USD
EBIT TTM = 12.1m USD
EBITDA TTM = 31.3m USD
Long Term Debt = 182.4m USD (estimated: total debt 226.5m - short term 44.0m)
Short Term Debt = 44.0m USD (from shortTermDebt, last quarter)
Debt = 226.5m USD (from shortLongTermDebtTotal, last quarter) (leases 226.5m already included)
Net Debt = 145.4m USD (calculated: Debt 226.5m - CCE 81.1m)
Enterprise Value = 605.8m USD (460.5m + Debt 226.5m - CCE 81.1m)
Interest Coverage Ratio = 34.33 (Ebit TTM 12.1m / Interest Expense TTM 352k)
EV/FCF = 21.08x (Enterprise Value 605.8m / FCF TTM 28.7m)
FCF Yield = 4.74% (FCF TTM 28.7m / Enterprise Value 605.8m)
FCF Margin = 3.38% (FCF TTM 28.7m / Revenue TTM 849.1m)
Net Margin = 1.42% (Net Income TTM 12.1m / Revenue TTM 849.1m)
Gross Margin = 38.03% ((Revenue TTM 849.1m - Cost of Revenue TTM 526.1m) / Revenue TTM)
Gross Margin QoQ = 39.95% (prev 37.76%)
Tobins Q-Ratio = 1.22 (Enterprise Value 605.8m / Total Assets 496.2m)
Interest Expense / Debt = 0.16% (Interest Expense 352k / Debt 226.5m)
Taxrate = 3.80% (478k / 12.6m)
NOPAT = 11.6m (EBIT 12.1m * (1 - 3.80%))
Current Ratio = 1.15 (Total Current Assets 213.0m / Total Current Liabilities 186.0m)
Debt / Equity = 1.81 (Debt 226.5m / totalStockholderEquity, last quarter 125.3m)
Debt / EBITDA = 4.64 (Net Debt 145.4m / EBITDA 31.3m)
Debt / FCF = 5.06 (Net Debt 145.4m / FCF TTM 28.7m)
Total Stockholder Equity = 115.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.59% (Net Income 12.1m / Total Assets 496.2m)
RoE = 10.45% (Net Income TTM 12.1m / Total Stockholder Equity 115.7m)
RoCE = 4.05% (EBIT 12.1m / Capital Employed (Equity 115.7m + L.T.Debt 182.4m))
RoIC = 3.73% (NOPAT 11.6m / Invested Capital 311.8m)
WACC = 8.28% (E(460.5m)/V(686.9m) * Re(12.28%) + D(226.5m)/V(686.9m) * Rd(0.16%) * (1-Tc(0.04)))
Discount Rate = 12.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 26.97 | Cagr: 1.41%
[DCF] Terminal Value 75.44% ; FCFF base≈28.7m ; Y1≈28.9m ; Y5≈30.6m
[DCF] Fair Price = 39.63 (EV 475.5m - Net Debt 145.4m = Equity 330.1m / Shares 8.33m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.93 | # QB: 1
Revenue Correlation: 87.29 | Revenue CAGR: 4.12% | SUE: 3.36 | # QB: 1
EPS current Quarter (2026-07-31): EPS=-0.34 | Chg30d=-7.81% | Revisions=+0% | Analysts=2
EPS next Quarter (2026-10-31): EPS=-0.31 | Chg30d=-51.22% | Revisions=-40% | Analysts=2
EPS current Year (2027-01-31): EPS=1.57 | Chg30d=+46.73% | Revisions=+25% | GrowthEPS=+337.4% | GrowthRev=+9.8%
EPS next Year (2028-01-31): EPS=2.38 | Chg30d=-3.85% | Revisions=+40% | GrowthEPS=+51.3% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: +10% (up=4, down=3)