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C

Citigroup Inc

At today's price, Citigroup Inc (C) is priced for 12.6% return on equity. boothcheck doesn't publish a fair value or a price target; it shows what the price assumes, so you can judge whether that bar is too high. Built from SEC EDGAR filings.

Live priced in
12.6% return on equity
Priced In
elevated

Key Takeaways

• Citigroup is the cheapest of the big U.S. banks for a reason and a thesis at once: it trades around 1.4 times tangible book value while earning a trailing return on tangible common equity well below its peers, so the entire bet is whether returns close that gap. • The first quarter of 2026 showed the gap closing fast, with a 13.1% ROTCE and revenue up 14% year over year, though management's own full-year ROTCE guidance of 10% to 11% says the quarter ran ahead of the sustainable run-rate. • The

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Institutional ownership

2,391 institutional managers reported holding C in 13F filings for the quarter ended 2026-03-31. Together they hold about 70% of the company; the top 10 hold 34%. 168 opened new positions that quarter. Held by Vanguard Group, BlackRock, State Street, among others. On the short side, 32.5M shares were sold short as of the 2026-06-15 count, about 2% of shares outstanding (2.6 days of typical volume to cover).

Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.

Capital returns

C has cut its share count 11.5% over the past five years, spending $24.17B on repurchases. It pays a dividend, and has for 15 years running, raised 4 years straight. Cash returned over the past three years: $13.24B in dividends and $16.70B in repurchases.

Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.

Insider activity

No open-market insider buys on file at C over the trailing three years. Absence is a fact about the company, not a signal. 34 officers and directors are on file.

Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.

Earnings reactions

C's recent reports: the day-one move, then what the following quarter actually did.

reportday onenext quarter
2023-05-06-1.8%-1.2%
2023-08-05-1.3%-11.3%
2023-11-04-0.2%+28.6%
2024-02-24+0.9%+12.0%

Day-one is the close-to-close move around the filing. Nothing here is investment advice.

Recent filings

C's latest 8-K filings: 2026-07-14 (items 2.02, 9.01); 2026-05-21 (items 5.02, 5.07, 9.01); 2026-04-14 (items 2.02, 9.01); 2026-04-03 (items 7.01, 9.01); 2026-02-12 (items 8.01, 9.01).

Item codes are the SEC's own classification of what each report discloses. Nothing here is investment advice.

Compare C

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Last analyzed: July 3, 2026

For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.