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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Similar
BAC
DON'T BUY
US banks

He regrets selling positions in MS and BAC and wants to get back in. He does want to sell some of his JPM. Wants to return to MS and GS, because he thinks their stock-trading revenue can excel. As for Citi, their revenues are way down, so he'll pass.

BUY
Announced a $500 million share buyback

Happy about the news. It's gravy. The CEO finally addressed the low ROE by cutting costs, by cutting five layers of management. She also got rid of most international operations, which he agrees with. He likes her decisions. He'd like to see shares surge.

BUY

It boasts the lowest PE among the big US banks and pays almost a 5% dividend. They're cutting costs and bringing in great executives. They're a contrarian bank, lagging its peers this year.

COMMENT

Banks reported their Q2 today, but the market reaction to Citi has been weak, a reaction to the consumer's large credit card balances and trading revenue down 13%.

BUY

He just bought it. CITI just hired a gem to run their wealth management division (a former colleague of his). It's the top value name among American banks. 

PAST TOP PICK
(A Top Pick Apr 27/22, Down 2%)

The large US banks are holding their own, far better than the regionals. Citi is one of the most geographically diverse banks around which offers safety. Still likes it. Pays a 4.4% dividend and trades around 6.5x PE. Trades at a big discount to book value.

DON'T BUY
The U.S. banks report next Friday

It's puzzling that their tangible book value is much greater--nearly double--than their stock price. Something is wrong here. Why?

PAST TOP PICK

(A Top Pick Jan 07/22, Down 30%)

Has since sold shares.
Company proving to be a value trap.
Lost patience with company.
Will invest in other companies within sector. 

DON'T BUY
Unfocused, a cleanup operation. Trades cheaply, but deservedly, as it's half as profitable as other big money-centre banks. Chart's not good, tracking the market down. Better ideas elsewhere.
DON'T BUY
Has under-performed for a long time. Opportunity to buy other names. JP Morgan or Goldman Sachs a better investment.
DON'T BUY
They reported a modest revenue beat and a big earnings beat, mostly from higher net interest margins. Their investment banking is ugly. Net interest income was up 10%. They reiterated full-year forecast. He remains skeptical. Historically, they have rallied in response to earnings, but those gains always fade.
BUY
It's very cheap, well below tangible book value. The CEO has been in the hot seat since 2021, but she is shedding non-core assets and improving internal systems. So, market sentiment is turning around.
BUY
Pays a 4% dividend yield and trades at a single-digit multiple. They will buy back shares inevitably.
DON'T BUY
A cheap stock that will stay low. He prefers JPM.
DON'T BUY
They report Friday. Its book value is much higher than stock price. A conundrum. Until there is earnings momentum, he won't buy this. There are better banks.
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