Citigroup Inc. (C) Buy, Sell or Hold

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Citigroup Inc. (C)

135.15

+5.22 (4.02%)

as of Jun 4, 2026, 8:00:00 pm Market Open.

141 watching

Investor Insights

Jun 4, 2026, 12:00 am

This summary was created by AI, based on 38 opinions in the last 12 months.

Citigroup Inc. is experiencing a notable turnaround under its new CEO, who has implemented significant restructuring and refocused the company towards its strongest business segments. With impressive earnings growth of 56% reported in the latest quarter, the bank is showing renewed potential, particularly in wealth management and investment banking. Analysts have observed that Citigroup trades below its book value, presenting a compelling opportunity for investors if the positive momentum continues. While higher interest rates pose challenges for the bank, many experts believe that Citigroup's inherent strengths and improving margins will drive further growth, making it an appealing investment choice amidst the larger banking landscape dominated by well-performing institutions like JPMorgan and Bank of America. The stock's performance over the last year has resulted in a significant increase, contributing to a favorable outlook as the market adjusts to the evolving narrative surrounding this banking giant.

Consensus

Buy

Valuation

Undervalued

Similar

BAC

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)

COMMENT

Bank of America vs Citigroup – Both of these have earnings forecasts that are growing compared to the rest of the US bank sector that looks weak. He thinks both are excellent value and are good buys currently. He wishes the US banks would stop buying back shares and pay out dividends instead – like the Canadian banks. He thinks this might require regulatory support first.

COMMENT

JP Morgan vs Citi Group – He likes the American banks. They took profit on JP Morgan a while ago although he thinks it is a more premium holding. CITI is a cheaper stock and he thinks they are planning to do a share buy-back. He prefers to own Bank of America.

SELL

Chart looks good, though US financials have been acting quite poorly. He’s taking wins in his US banks, because they’ll bear the brunt first.

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