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
TOP PICK
Stands out with its compelling valuation. Global, strategic money-centre bank at 55% of book value. Too cheap to ignore. Very strongly capitalized company. Recession concerns have held the banks back. May stall out in a recession, but significantly more upside than down from here. Yield is 4.05%. (Analysts’ price target is $65.02)
DON'T BUY
He ranks this very negatively. Something is wrong with their balance sheet or something very wrong with the company, though he can't pinpoint what. The yield pays 4%, but the yield curve is ugly for all banks. He won't touch it.
DON'T BUY
He owns calls, not stock. Citi has just not performed and deserves to be punished.
DON'T BUY
Always the laggard. Very inexpensive at 65% book, but there's a reason. Not managed well, big exposure to international markets, biggest exposure to Russia, tepid loan growth. Doesn't see a catalyst. He owns BAC, JPM, and MS.
SELL
A value trap! After earnings season, he will sell this and use this as a source of funds to buy another stock(s), perhaps financial.
SELL
A value trap! Every new CEO gets into something new like emerging markets or Russia. After earnings season, he will sell this and use this as a source of funds to buy another stock(s), perhaps financial.
DON'T BUY
He got out after losing on a short-term trade. It's tough to turn around a bank, especially in a tough environment.
COMMENT
There will be a pretty bad quarter in their investment banking businesses among the US banks. Rough. Who is buying SPACs anymore and where are the IPOs? He likes the managers of both banks and these shares will be higher in a year.
SELL
In the last 6 months, he cut his bank holdings by 50%. Citi suffers from being too global, and Citi will be under further pressure under this market. Doesn't see a turnaround here. He holds many other US banks.
DON'T BUY
Attractive valuation, but sometimes things are cheap for a reason. Why is this, and what's the catalyst that will change it? Struggled over the years. International operations have been negative. Managerial missteps. New CEO has made promises, but he'll stick with JPM, MS, and BAC.
HOLD
He's holding on. Citi is not a Russia story, even though they have more exposure to Russia than any US bank, but less than European banks. The story is really about people always pricing Citi at a discount and the bank has always had to prove they have compliance and control over far-flung units (like Russia). This is happening at a time when we're questioning the growth on Main Street and when there's a flattening yield curve.
DON'T BUY
Citi's large Russia exposure compared to its U.S. peers It's not so much their Russia exposure, but their larger exposure to Europe. If Europe falls into recession because of the Russian invasion, Citi will see more credit losses. Shares should and deserve to be cheap, but it's frustrating. She'd rather buy Bank of America, which is far more America-centric.
BUY
As a trade--Citi. Last December it traded around $58 and bounced to $67, then traded back down to that level.
PAST TOP PICK
(A Top Pick Mar 12/21, Up 6%) Trades at 8X with 8% growth rate so is still pretty cheap. Higher cost structure holding it back. Streamlining - selling some businesses to help margins.
BUY
In addition to rising rates, she also likes financials that have asset managers or investment arms or broker dealers. The more volatility we're seeing, those who trade stocks bonds traders make money on that flow, and so they will do better and get more trading volumes. Also, trading platforms (that make money on the trading of securities) will do well in the next cycle.
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