NYSE:C

Citigroup Inc. (C)

145.35
+1.76 (1.23%)
as of Jun 25, 2026, 6:53:18 pm Market Open.
144 watching
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Investor Insights
star iconJun 25, 2026, 12:00 am

This summary was created by AI, based on 38 opinions in the last 12 months.

Citigroup Inc. is recognized as a turnaround story under its new CEO, who has significantly improved cost management and streamlined operations. The bank has demonstrated strong financial performance with a recent 56% increase in earnings and is seen as undervalued compared to its peers, trading below book value. Analysts highlight the bank's global footprint, positioning in high-growth areas like wealth management and investment banking, and improving operational efficiency as key positives. While the stock has rallied significantly in recent months, some experts caution against buying at peaks and advise waiting for slight pullbacks. Overall, Citigroup is poised for further growth, supported by its restructuring efforts and favorable market conditions in the US banking sector.

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Consensus
Buy
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Valuation
Undervalued
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BAC
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.
BUY
He started a new, small position. A rising yield curve and rates will benefit. Citi has lagged peers so badly, but the CEO is doing the right moves. So, he is entering Citi now.
DON'T BUY
Value trap? It's nothing. It lacks the growth expected from a bank, lacks the deposits and consistency, and sells well below tangible book value. It's a show-me story which concerns him. Their Q4 report had charges he didn't understand. BOA, MS and WF are better.
Unspecified
Not much growth in revenue or other important measures (cash flow). Current valuation cheap, however, not a consistent return on equity. Doesn't follow banking sector.
TOP PICK

Stock current yields over 3%. Trading at 6x earnings. Stock has under preformed in relation to competitors, however, new CEO making positive changes. Believes that company is valued at 75% of tangible assets. No reason to believe company is only worth 75% of tangible assets. Investors can collect 3% dividend yield, while company improves valuation.

COMMENT
It reports Friday. Is this a new Citi? It's lagged during a great banking rally. Can the CEO convince the street? It's cheap vs. its tangible book value. It paused buybacks in December due to laws, or so they said.
DON'T BUY
Orphan child of money centre banks, not doing as well. It is inexpensive, but it's cheap for a reason. What's the catalyst that will move the needle? New management. Not enough there for him to invest. Likes the sector and the regionals. Banking is the place you want to be, just not here.
BUY
Options trading He just bought some calls. He saw people buying upside calls, so he pounced on it.
DON'T BUY
This stock was very very cheap but has had difficulty improving profitability. Has one of the lowest ROE's in the banking sector, Not very well run. He would own a different bank.
BUY ON WEAKNESS
It's down $18 from its $80 high and trading at a $17 discount from its tangible book value. It's a steal. One to consider nibbling at during this Omicron sell-off.
WATCH
There's a reason it's at a low valuation. They're just not executing. New female CEO with new ideas could be the catalyst to get it out of the doldrums. Her vision is a bank "of the soul". He'd need to see a little more before initiating a buy.
PAST TOP PICK
(A Top Pick Nov 11/20, Up 48%) Last year, it was an easy buy. Now, if the yield curve increases or loan growth happens, then the stock will do well. Valuation is not bad. Wait for a pullback to enter. The easy money has been made now.
DON'T BUY
It's the second-worst of the big banks. They beat their report yesterday, but expenses also rose. Consumer banking's revenues declined 5% as expenses rose 5%. No setbacks here to report, but Citi didn't make much progress either. The stock is trading cheaply, though.
DON'T BUY
They report Thursday. Citi is a perennial underachiever, which he doesn't expect to change.
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