Citigroup (NYSE:C) Shares Gap Down – Should You Sell?

Citigroup Inc. (NYSE:C)’s stock price gapped down before the market opened on Monday . The stock had previously closed at $121.32, but opened at $116.90. Citigroup shares last traded at $117.3520, with a volume of 3,407,321 shares traded.

Key Stories Impacting Citigroup

Here are the key news stories impacting Citigroup this week:

• Positive Sentiment: Sector tailwinds: Analysts say regional and large banks are benefitting from accelerating loan growth, recovering capital‑markets activity and a friendlier regulatory backdrop — a constructive backdrop for Citi’s trading and lending businesses. Can Bank Stocks Sustain Recent Momentum?
• Positive Sentiment: Industry earnings tone: Coverage notes U.S. banks enter the earnings season on firmer footing after a strong 2025, implying Citi could ride sector momentum into its results if macro and credit trends remain stable. Banks Enter Earnings Season on Firmer Footing, Though Risks Linger
• Neutral Sentiment: Q4 preview — mixed catalysts: Analysts expect Citi’s Q4 revenue to get a lift from rising NII and improved deal flow, but caution that rising expenses and any sign of asset‑quality deterioration could temper upside — making the print a key near‑term catalyst. Citigroup Q4 Earnings on the Deck: How to Approach the Stock Now?
• Neutral Sentiment: Retail/coverage interest: Recent pieces asking whether Citi is a buy and describing income strategies around its dividend have increased retail attention — this can add short‑term volume but is opinion‑driven rather than fundamentally new. Is Citigroup Stock a Buy Now?
• Negative Sentiment: Major litigation setback: The U.S. Supreme Court declined to hear Citi’s appeal in the Oceanografia fraud case, leaving in place a lawsuit that alleges the bank caused over $1B of losses — an outcome that raises litigation exposure and investor uncertainty. US Supreme Court rebuffs Citigroup appeal in lawsuit over Mexican oil company fraud
• Negative Sentiment: Policy risk to card business: Headlines around a proposed cap on credit‑card interest rates (calling for a 10% cap) put pressure on Citi and other card issuers — markets reacted negatively to the prospect of lower card yields and higher regulatory uncertainty. Banks including Citi, JPMorgan slide after Trump calls for credit card interest rate limit

Analyst Upgrades and Downgrades

C has been the subject of a number of research reports. Cowen reiterated a “hold” rating on shares of Citigroup in a report on Wednesday, January 7th. Keefe, Bruyette & Woods upped their price objective on Citigroup from $118.00 to $131.00 and gave the stock an “outperform” rating in a research report on Wednesday, December 17th. Oppenheimer dropped their target price on Citigroup from $123.00 to $120.00 and set an “outperform” rating on the stock in a research report on Wednesday, November 19th. Bank of America boosted their target price on Citigroup from $115.00 to $120.00 and gave the company a “buy” rating in a research note on Wednesday, October 15th. Finally, HSBC reaffirmed a “buy” rating and set a $87.00 price target on shares of Citigroup in a research note on Wednesday, January 7th. Fourteen equities research analysts have rated the stock with a Buy rating and six have issued a Hold rating to the company’s stock. Based on data from MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and an average target price of $118.94.

Citigroup Stock Down 3.0%

The company has a current ratio of 0.99, a quick ratio of 0.99 and a debt-to-equity ratio of 1.62. The firm’s 50 day moving average price is $109.15 and its two-hundred day moving average price is $100.18. The company has a market capitalization of $210.46 billion, a price-to-earnings ratio of 16.52, a price-to-earnings-growth ratio of 0.47 and a beta of 1.18.

Citigroup (NYSE:C) last posted its quarterly earnings results on Tuesday, October 14th. The company reported $2.24 EPS for the quarter, topping analysts’ consensus estimates of $1.89 by $0.35. The business had revenue of $22.09 billion during the quarter, compared to analysts’ expectations of $20.92 billion. Citigroup had a return on equity of 7.91% and a net margin of 8.73%.Citigroup’s quarterly revenue was up 9.3% on a year-over-year basis. During the same quarter last year, the company posted $1.51 earnings per share. Sell-side analysts anticipate that Citigroup Inc. will post 7.53 earnings per share for the current fiscal year.

Institutional Investors Weigh In On Citigroup

Hedge funds have recently added to or reduced their stakes in the business. Brighton Jones LLC raised its holdings in Citigroup by 166.9% in the 4th quarter. Brighton Jones LLC now owns 19,990 shares of the company’s stock valued at $1,407,000 after acquiring an additional 12,499 shares during the period. Geneos Wealth Management Inc. increased its stake in shares of Citigroup by 25.4% during the first quarter. Geneos Wealth Management Inc. now owns 10,852 shares of the company’s stock worth $770,000 after purchasing an additional 2,199 shares during the period. First Hawaiian Bank increased its stake in shares of Citigroup by 6.6% during the first quarter. First Hawaiian Bank now owns 20,932 shares of the company’s stock worth $1,486,000 after purchasing an additional 1,302 shares during the period. TrueWealth Advisors LLC lifted its holdings in Citigroup by 8.0% during the 2nd quarter. TrueWealth Advisors LLC now owns 7,007 shares of the company’s stock worth $596,000 after purchasing an additional 520 shares during the last quarter. Finally, Arvest Investments Inc. bought a new stake in Citigroup in the 2nd quarter valued at $474,000. Institutional investors and hedge funds own 71.72% of the company’s stock.

Citigroup Company Profile

Citigroup Inc is a global financial services company headquartered in New York City with roots tracing back to the City Bank of New York, founded in 1812. The modern Citigroup was created through the 1998 merger of Citicorp and Travelers Group and has since operated as a diversified bank holding company that provides a broad range of banking and financial products and services to consumers, corporations, governments and institutions worldwide.

Citi’s principal businesses include retail and commercial banking, credit card and consumer lending products, wealth management and private banking, and a full suite of institutional services.