NYSE:C

Citigroup Inc. (C)

144.98
+1.39 (0.97%)
as of Jun 25, 2026, 8:00:00 pm Market Open.
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Investor Insights
star iconJun 25, 2026, 12:00 am

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

Citigroup Inc. (C) is experiencing a notable turnaround under its new CEO, who has implemented effective cost-cutting measures and strategic rationalization of the bank. Analysts highlight that the bank recently reported impressive earnings growth, with a 56% increase in its latest quarter, marking some of its best performance in decades. Despite this resurgence, experts express concerns that Citigroup's valuation remains slightly rich in relation to its growth potential. The company's performance is compared favorably to its peers, although it is often noted as undervalued compared to competitors like JPMorgan Chase (JPM). With a solid progression towards profitability, a strong dividend yield, and a positive outlook driven by ongoing strategic improvements, many analysts remain bullish on Citigroup while acknowledging macroeconomic uncertainties affecting the broader banking sector.

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Consensus
Positive
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Valuation
Undervalued
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Similar
JPM, JPM
WEAK BUY
Not looking to credit markets to raise money. There is some promise, but keep it in measure.
COMMENT
You don’t know what policy makers will come out with and how it will affect these types of companies and what will happen with Europe. He is neutral.
TOP PICK
Top Short Short. Sold down to $1, stayed below $5 for close to a year. Did a reverse split so institutions could own it. History of reverse splits is that it goes back to a previous low.
BUY
Has been light on financials, particularly US, but down here, you have more than discounted some of the worst situations. Valuations, relative to BV and earnings are discounting very bad news going forward.
COMMENT
Caller has a 2013 leap call option. This is a bet that in a couple of years, the stock will be significantly higher. Has hated this bank for many years because it has been such an overextended poorly run bank that expanded globally to be a global leader.
PAST TOP PICK
(Top Pick Apr 14/11, Down 9.09%) If you are going to get outsized returns you have to go where there is a block on the company. This one has one of the largest capital rations in the US (10%). They are the only American global bank with retail presence. As they reduce the bad assets by selling at book value, the earnings will improve because the losses from those assets will disappear.
DON'T BUY
Post sub prime, there was a little bit of a lift when most of them paid back their debt. Fundamentally, the financial system in the US is improving but the market is not paying a premium for this yet. US banks need a little more capital flow and loan growth.
DON'T BUY
You want to go into this one when the risk trade is on and we haven’t seen this at this point. Have been making some headway in building itself out internationally.
HOLD
Got killed because it did the consolidation from a $4 stock to a $40 one. Dumb thing to do. He is a bull on US banks. Every time there is negative news, they don’t make new lows. If you own, you will be well rewarded.
DON'T BUY
Did reverse split because many institutions can’t own stocks below $5 a share. There are years and years of problems to come with foreclosures. If housing prices keep going down, then this one will be punished. By valuation it looks very cheap.
DON'T BUY
Doing a reverse stock split, 1 for 10. Problem with this type of split is that a lot of people who previously owned 100 shares now only own 10, which is an odd lot. A lot of people do not like odd lots so end up selling them. It puts a cap on for a long period of time. Trending down with no indication of a bottom.
COMMENT
Just announced a 10 for 1 reverse stock split as there is no respect in having a single digit stock price for one of the largest banks in the world. His model price is $8.10, a positive differential of 80%. Market doesn’t trust the balance sheet of the large US banks. He has a very small position in his fund, but is watching it very carefully.
SELL
Sold his holdings once they announced the reverse split. Stocks tend to be down a year later on reverse splits. If you own, look to jump out.
TOP PICK
Does about half its business outside the US. Now stabilized. US government has sold its interest. Good management. Earned $0.50 on its core earning last year and is expected to earn more than that this year. Really cheap. Lots of growth possibilities.
DON'T BUY
The walking dead. Prefers quality banks. Doesn’t own any US banks. They are talking about a 1 to 10 conversion. History of share consolidation is very, very poor. Companies only do that when their stocks go way down.
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