NYSE:C

Citigroup Inc. (C)

132.87
-2.28 (1.69%)
as of Jun 5, 2026, 3:36:39 pm Market Open.
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Investor Insights
star iconJun 5, 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 significant turnaround under new management, demonstrating impressive earnings growth and strategic restructuring. Analysts highlight a remarkable Q4 performance, with earnings up 56%, and expect continued growth, particularly in wealth management and investment banking. Despite some macroeconomic pressures, such as rising interest rates, the stock trades below book value, providing a compelling investment opportunity. The CEO's focus on core franchises and operational efficiency is gaining recognition, making Citi an attractive choice relative to its peers, although some analysts still prefer JPMorgan Chase (JPM) for its stability and premium valuation. The overall sentiment suggests a positive trajectory, encouraging investors to capitalize on its current price point before potential price revisions occur.

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Consensus
Buy
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Valuation
Undervalued
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JPM
BUY
(Market Call Minute.) Good speculative buy. Could see it going much higher.
DON'T BUY
A little too speculative for him. Can't see the continued upside from these levels.
DON'T BUY
US banking sector has seen the bottom. (He bought the US financial ETF (XLF-N) for the turnaround.) There are also some individual banks that look good. This one is a long shot. They have something like 30 billion shares outstanding so to move it $1 you have to move it $30 billion of market capitalization.
DON'T BUY
Almost 27% of the stock is still owned by the US government and if the government exits its position, it should be positive for the stock but who knows when that will happen. He would rather own the new leaders in that space such as Goldman Sachs (GS-N), J.P. Morgan (JPM-N) or Morgan Stanley (MS-N).
PARTIAL SELL
If they get the TARP payment paid than it is back to business as usual. All depends on what kind of recovery the US economy is going to make. If you own, consider taking some profits.
COMMENT
With a very long-term focus this may work out at these levels. Her preference in the financial sector is to stay in Canada, which has a better footing and faster recovery.
COMMENT
Very hard to put a value on this company. It has participated in a relief rally that is driven with the expectation of continuing low rates and the expectation that a solution is coming for the European problems.
COMMENT
Government still owns 30% of this bank. Still struggling to find itself. Has good upside if the US economy continues to turn around but there are better choices amongst financials.
TOP PICK
4.65% maturing 10/11/17. Investment grade A. Price is $86.43 yielding 7.18%. Wants to stay away from sharp bonds because rates could rise over the next year. On the other hand, doesn't have to go out 30 years for a 6%-7% yield.
DON'T BUY
Poster child of a lot that went wrong in the US banking sector. The whole US banking sector is a place you might want to dip your toe but this one represents a speculative buy. (See Top Picks.)
DON'T BUY
It is the walking dead. On a valuation basis, the stock is not cheap. Not well run. High leveraged. If he were looking for a US bank, which he is not, he would want a Wells Fargo or JP Morgan or US bankcorp. This would be speculative.
DON'T BUY
Complex balance sheet. A lot of outstanding credit issues. Over the long term it will probably be a survivor, however.
DON'T BUY
Huge sell off from $55 to $2. It is starting to base build. There is some belief that around $2.50 there is some support. Recommends some Canadian banks.
DON'T BUY
Doesn’t own US stocks. Nervous about earnings. He is worried that the Canadian dollar will go much higher. There are problems with credit card debt.
SELL
(Market Call Minute) Better off buying others.
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