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

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

Target (NYSE: TGT)


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.

What do you think about Citi Trends, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.