Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, urban fashion and accessories retailer Citi Trends (Nasdaq: CTRN) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Citi Trends' business and see what CAPS investors are saying about the stock right now.

Citi Trends facts

Headquarters (founded) Savannah, Ga. (1946)
Market Cap $249.5 million
Industry Apparel retail
Trailing-12-Month Revenue $630.3 million
Management

CEO R. David Alexander Jr. (since 2009)

CFO Bruce Smith (since 2007)
Return on Equity (average, past 3 years) 12.1%
Cash/Debt $76.85 million / $0
Competitors

Target (NYSE: TGT)

TJX Cos. (NYSE: TJX)

Wal-Mart (NYSE: WMT)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 85% of the 245 members who have rated Citi Trends believe the stock will outperform the S&P 500 going forward. These bulls include All-Stars tenmiles and TSIF, both of whom are ranked in the top 0.1% of our community.

Just last week , tenmiles tapped Citi Trends' recent slide as a possible bargain opportunity: "Likely long term value around $17 for this debt free retailer with almost 30% of market cap in cash -- potential free takeover 'option' given from these levels."

In fact, Citi Trends currently sports a cheapish price-to-book ratio of 1.1. That represents a clear discount to giant competitors Target (2.2), TJX (6.6), and Wal-Mart (2.9).

CAPS All-Star TSIF elaborates on the bull case:

Citi Trends is at a new two year low and near peak recession prices. Near book, increasing stores. ... I agree this market niche has been hard hit the last two years. Cash on hand is excellent. Accounts Payable is large, but typical for a retailer carrying inventory. Recent downgrades should have helped put a floor on this one. ... Agree also with Tenmiles that with no debt, this could be primed for a takeover. A possible takeover is not an investment thesis, but could help minimize risk.

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