Citigroup Inc. (C)vsBank of N.T. Butterfield & Son Ltd (NTB)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
NTB
Bank of N.T. Butterfield & Son Ltd
$51.84
+0.56%
FINANCIAL SERVICES · Cap: $2.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 12378% more annual revenue ($75.72B vs $606.79M). NTB leads profitability with a 38.2% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.80. NTB earns a higher WallStSmart Score of 77/100 (B+).
C
Strong Buy65
out of 100
Grade: B-
NTB
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$113.74
$66.21 premium
Margin of Safety
+77.8%
Fair Value
$240.24
Current Price
$51.84
$188.40 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.3%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Earnings expanding 23.2% YoY
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Price/Book, Market Cap, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 32.3%.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio.
Key Dynamics to Monitor
C profiles as a value stock while NTB is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
NTB is growing revenue faster at 6.9% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
NTB scores higher overall (77/100 vs 65/100), backed by strong 38.2% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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