Citigroup Inc. (C)vsPeapack-Gladstone Financial (PGC)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
PGC
Peapack-Gladstone Financial
$41.75
+0.36%
FINANCIAL SERVICES · Cap: $758.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 28648% more annual revenue ($78.73B vs $273.87M). C leads profitability with a 20.4% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
PGC
Strong Buy76
out of 100
Grade: B+
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
Earnings expanding 86.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Negative free cash flow — burning cash
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 : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, PEG Ratio. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.08 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 76/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional 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.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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