Valuation models
price $122.64 · as of Nov 2, 2026
P/TBV · justifiedused100.85 – 134.46115.256% overvaluedP/E · peers119.05 – 145.02131.076% undervaluedP/E · own history58.84 – 148.19122.10at modelPEG—271.2855% undervaluedDividend discount36.18 – 79.2451.13140% overvaluedWall St. consensus target—148.0017% belowCost of capital (WACC)—8.67%—
P/TBV · justified leads for a bank. How the headline model is chosen.
Model value · P/TBV · justified
115.25
Citigroup closed at $122.64 — overvalued by 6% vs model.
100.85the model's range134.46
P/TBV · justified leads for a bank. From the justified price to tangible book.
Other models
51.13 – 271.28
Wall St. target
148.00 17% below
Above model, 1y
30 of 30 days
How it is valued
Valued asBank
Low/slowing growth (~4% recent)Moderate margins (9% net margin)Pays dividendsHighly cyclical earningsHigh leverage (D/E 3.4x)Negative free cash flow
Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; how each model works is in the manual.