NYSE:C

Citigroup Inc. (C)

134.89
+1.62 (1.22%)
as of Jul 15, 2026, 8:00:00 pm Market Open.
144 watching
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Investor Insights
star iconJul 15, 2026, 12:00 am

This summary was created by AI, based on 39 opinions in the last 12 months.

Citigroup Inc. (C) is regarded as a turnaround story, with improvement noted under the current CEO who has focused on reducing costs and rationalizing the bank's operations. Analysts have positively highlighted the latest quarterly earnings, showcasing a significant increase in revenue and profits. Despite the positive momentum, there are cautionary notes regarding macroeconomic pressures and market valuations that some believe may be rich compared to growth prospects. Many analysts suggest there's considerable potential upside if management continues to execute on its strategy effectively. The stock trades below book value and has been noted for its strong dividend yield, which adds to its appeal in the financial sector.

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Consensus
Buy
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Valuation
Undervalued
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Similar
BAC
DON'T BUY
If bond yields continue to slide in the US or globally, this sector will continue to feel pressure. Not good for Citibank. Now, though, valuations are good with US banks. It's good to have monetary easing pre-emptively (now) and not later helps US banks. Be very careful in this sector; there is unprecedented global debt.
TOP PICK
They just beat. Cheap name. Compelling on a price to growth basis. If Fed lowers, headwinds should become tailwinds. Play on the cycle lasting longer. Yield is 2.84%. (Analysts’ price target is $80.88)
BUY

BAC vs. Citigroup if a recession happens He owns both, but he prefers Citigroup, because it has a lower valuation, trading below tangible book value and pays a higher dividend. Citi is viewed as an international bank, whereas BAC is viewed as American. The upside is better at Citi in the coming years.

PAST TOP PICK
(A Top Pick Jun 18/18, Up 3%) He sold all his American banks. Citi is well-run, but they are globally exposed and there are clouds on the global horizon. He prefers Canadian banks which are less exposed globally.
DON'T BUY
BAC vs. C. Citigroup has never fully dealt with financial crisis issues. He'd prefer BAC, as it's in a much better position on the retail side. He owns Goldman and Morgan Stanley. Whole sector is cheap because of interest rates and yield curve. Please don't buy stocks with only a 6-12 month time horizon. Mortgages are an issue, housing prices, if the economy softens. BAC is extremely well run, decent margins.
WAIT
Bank weakness more amplified in the US. Deep support around $56 range. A lot of indicators are oversold. Want to see a bit of a turn up. Down today around 5%, a big drop. Wait 2-3 days as a good rule of thumb to see if it's stabilized. Then you could put in a third, if you have a long-term commitment to it. Then another third 3 days after that.
HOLD
He is not wild about banks because of the actions of the Fed. This would be his favourite of the banks, however. They have improved dramatically since '08 and they are still trading at only 75% of book. They can eek out 4-5% loan growth. He would stay with this one.
COMMENT
It could hit the low-$70s, at a 70% chance, but doesn't think it will rise beyond that, because long-time holders will take profits. There are lots of if's at play. The chart is merely okay.
COMMENT
US banks, like the Canadians, won't see a lot of growth due to flatter yield curves. Now, though they're safe, holding lots of capital given regulations since the Recession. He prefers Morgan Stanley who've done well transitioning to the wealth management business.
PAST TOP PICK
(A Top Pick Jan 12/18, Down 17%) December almost caused him heart failure. There was either something systematic happening in the economy or their balance sheet was in severe trouble. He wants to see a pullback to $57 to consider buying it again. He would be worried about the economy if this retests the recent lows.
HOLD
With five interest rate hikes last year they should have done better. He might consider another bank, but would continue to hold. He thinks rates could resume going higher next year, so you are better to stick with it. Yield 2.8%.
COMMENT
Struggling with the other financials in a toppy market. It's holding at current levels, which are at the lower end though. He doesn't expect it to break $60, but will stay close to where it is now. The market will remain volatile but in a tight range.
BUY
Their earnings are beating. 15% growth this year. Trading at 8x PE. Well-capitalized. He likes this.
DON'T BUY
Bank of America vs Citigroup. There's some good opportunities but maybe not something you want to invest in right now. Deposits competition is heating up. Net interest margin moving the wrong way. Deposits costs are higher. Credit isn't terrible right now. Not that the banks are a terrible spot, you're probably going to do fine. Dividends are totally safe. But is this really going to get you a great return right now? Better places to be, and probably better countries.
TOP PICK
A very well known global bank that has emerged well from the 2008 crisis. Trades under 8 times forward earnings. They raised their long term guidance last year and see their ROE at 14-16%. It trades at book value. Yield 3.3%. (Analysts’ price target is $79.17)
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