Citigroup Inc. (C)vsOhio Valley Banc Corp (OVBC)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
OVBC
Ohio Valley Banc Corp
$44.99
-1.77%
FINANCIAL SERVICES · Cap: $215.76M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 123577% more annual revenue ($78.73B vs $63.66M). OVBC leads profitability with a 24.5% profit margin vs 20.4%. OVBC trades at a lower P/E of 13.8x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
OVBC
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Earnings expanding 57.3% YoY
Conservative balance sheet, low leverage
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Revenue declined 3.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : OVBC
The strongest argument for OVBC centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 24.5% and operating margin at 32.5%.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : OVBC
The primary concerns for OVBC are Market Cap, Revenue Growth.
Key Dynamics to Monitor
C profiles as a growth stock while OVBC is a declining play — different risk/reward profiles.
C carries more volatility with a beta of 1.08 — expect wider price swings.
C is growing revenue faster at 16.9% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 56/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "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.
Ohio Valley Banc Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ohio Valley Banc Corp. The company is headquartered in Gallipolis, Ohio.
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