Citigroup Inc. (C)

Q4 EPS up 56%, wealth was the biggest driver, investment banking up 17%. PCLs are pretty tame. Still lots of room for improvement. See if you can get it ~$115.

Of the two, he'd prefer BAC. However, both are distant runners-up to JPM.

Still a turnaround story. CEO has been simplifying the business -- cutting costs and focusing on strongest franchises. Strong quarter, beat on revenue and earnings. Outperforming peers. Cheaper, with more upside potential (but more risk if turnaround stops working).

JPM is one of the largest US banks, the gold standard. Leading across all divisions. Consistently delivers some of the strongest returns in the industry. Just reported strong quarter, record trading revenue, earnings up 13%, revenue ahead of expectations. Pulled back on slightly higher expense guidance. Higher quality name, trades at a premium (for good reason).

She's sticking with JPM, but C is a reasonable choice if you like the turnaround angle.

It is a conglomerate bank and the most under-appreciated US bank. For the past many years it keeps getting knocked down after showing some strength. The new CEO is the first person to re-organize it. The money trading business provides liquidity transfer to every major corporation in the world. It is the only access for 90 or more companies and this is not replicable. It is a great business and has been building this for years. Other positives include improving margins.             Buy 22  Hold 4  Sell 0

Maybe a bit over its skis. Q4 was impressive, with earnings up 56%. Improving story, has come a long way. At tail end of divestitures, so global imprint is getting smaller. Macro concerns, as with all the banks.

Compound annual growth profile still 11%. Trading ~9x PE for 2028, a bit less for 2027. Don't buy on this spike, but look for $118.

Having a bit of a renaissance under current CEO. Likes it very much because it's undervalued. 

He owns this and JPM. Bought Citi because it was so undervalued. It's come a long way, more left in the tank. Banks will do less well in a softer economy, but they're safer than ever.

US banking sector had a downdraft on worries of credit problems. But private credit issues aren't with the banks -- since 2008-2009, banks can't lend to those types of businesses.

Leave some $$ in your technology sleeve to allocate to one of the end users -- an industrial (TT) or big US bank (JPM or Citi) or retail/logistics (WMT or COST).

They report Tuesday. It will probably rally the most among the banks next week. It has great momentum. The street loves it.

It was up on the month before, better than the market. Today's headlines of a rumoured regional bank buy (Citi denies it), gives you an opportunity to buy.

Is up today and yesterday, both down days in the market. The financial did gangbusters last year, so it's okay that they pause this quarter in 2026. In private equity, he doesn't see a systemic credit problem. It's a matter of time before financials gaining their pace again.