NYSE:C

Citigroup Inc. (C)

134.17
+0.90 (0.68%)
as of Jul 15, 2026, 7:17:14 pm Market Open.
144 watching
0
Investor Insights
star iconJul 15, 2026, 12:00 am

This summary was created by AI, based on 39 opinions in the last 12 months.

Citigroup Inc. is undergoing a significant turnaround, with its new CEO focusing on restructuring and reducing costs. The bank recently posted impressive earnings growth, with a notable 56% increase in Q4 EPS and beating revenue expectations, emphasizing its potential as a recovery story. While some analysts see it as undervalued, trading below book value with a respectable dividend yield, others caution that the stock may be slightly overextended following its recent rally. Comparatively, Citi is often discussed alongside other major U.S. banks like JPMorgan Chase and Bank of America, which are regarded as more stable. This suggests a mixed outlook, indicating that while Citi shows promise for growth, the market dynamics and macroeconomic factors will play a role in its future performance.

consensus icon
Consensus
Hold
valuation icon
Valuation
Undervalued
review icon
Similar
BAC
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.
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.
Showing 91 to 105 of 746 entries