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Citigroup Inc. is not a strong buy at the moment for a beginner investor with a long-term strategy. The stock has mixed signals, including weak financial performance in the latest quarter, insider selling, and a negative regular market price change. While analysts maintain positive ratings and price target increases, the lack of strong technical or proprietary trading signals suggests holding off on immediate investment.
The MACD is negative and expanding, indicating bearish momentum. RSI is neutral at 29.303, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). However, the stock is trading near a key support level (S1: 112.6) and below the pivot point (118.032), suggesting limited upside in the short term.
The regulatory environment and sector rotation trends are favorable for large-cap banks.
Insiders are selling shares at a significantly increased rate (1776.78% over the last month). The latest financials show declining revenue (-4.96% YoY), net income (-16.15% YoY), and EPS (-11.19% YoY). Additionally, the Federal Reserve's focus on financial stability threats has negatively impacted the banking sector.
In Q4 2025, Citigroup's revenue dropped to $18.93 billion (-4.96% YoY), net income fell to $2.15 billion (-16.15% YoY), and EPS declined to $1.19 (-11.19% YoY). These results indicate weak growth trends and declining profitability.
Analysts maintain a positive outlook with multiple Buy and Overweight ratings. Price targets have been raised, with the highest target at $150. Analysts cite strong execution, regulatory tailwinds, and potential for EPS growth and capital returns as key drivers for the stock.
