NYSE:C

Citigroup Inc. (C)

135.15
+5.22 (4.02%)
as of Jun 4, 2026, 8:00:00 pm Market Open.
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Investor Insights
star iconJun 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.

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Consensus
Buy
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Valuation
Undervalued
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SELL
(Market Call Minute.) Has a lot of problems ahead of it. There could be another cut in the dividend.
DON'T BUY
(Market Call Minute.) Wouldn't touch it with a 10-foot pole. This is a very dangerous black hole.
DON'T BUY
This is one that you will have to consider that they will cut their dividend further. They have to shore up their balance sheet and need equity infusion from private investors. Has a lot of exposure to the subprime market.
DON'T BUY
Have cut their dividend. There is a bunch more cockroaches that are still to come out.
BUY
(Market Call Minute.) The model price is $39.04, a 56% upside to the model price.
DON'T BUY
Probably the most exposed to potential bad news of the US banks. One day, there will be a time to own the stock. When things turn, it will go up quite a bit but it is way too early for that.
WEAK BUY
He really isn't in to colossal banks. He prefers simpler compact banks. There are rescuers out there for these large banks so, you could average down a bit, and then average down again. It won't disappear.
COMMENT
Cut the dividend, so it should be safe. Has gone through a transition where they had a very important leader and somebody took over. A lot of people left. Thinks that breaking it up into component parts is wrong. Have written off a lot of their subprime debt and they may have to write off some more. Trading at 8X earnings and has a 5% yield. If you have a long-term view, it's not a bad time to be buying US banks.
TOP PICK
Chose this one for fun. Has had some major selling. On each one of the drops, there have been huge volumes. This indicates that a lot of people are interested in buying it. Would use a stoploss position of about $24.
RISKY
A stock that could double from here, but big, big problems in the portfolio. Still own about $43 billion in leverage loans that they can't sell and will mean additional write offs. M & A business has slowed down. Also seeing an uptick in problems in consumer loans. Good dividend, but it could be cut. This information is public so the company is trading at one of the lowest multiples to book in the last 20 years. Not for the faint of heart.
COMMENT
There is some awfully smart money buying into some of these major US financials. This is a great franchise. In this sector, buy the best assets you can and hold them for the long-term.
DON'T BUY
Had such problems with the subprime market that they took a $17 billion write-down. Would prefer Merrill Lynch (MER-N), which has a thriving retail network.
BUY
Basically believes that the banking system will muddle through this problem. A basket of these financials with the yields they’re offering can be a very effective way to invest. Buy in measured proportions.
DON'T BUY
There are probably further write-downs to come. It is not clear what direction the bank is going to take. Could divide itself and sell off some of its operations. The supermarket approach has not seemed to work very well. Prefers J P Morgan (JPM-N).
DON'T BUY
We’ve been through a 5-year bull market and nobody has made any money on this stock. The stocks that didn't make headway in an up market, and to get hurt a lot more on the down side. There will be a lot more changes in this company such as job losses and a lot of restructuring.
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