Citigroup Inc. (C)vsSB Financial Group Inc (SBFG)
C
Citigroup Inc.
$115.25
-0.04%
FINANCIAL SERVICES · Cap: $201.61B
SBFG
SB Financial Group Inc
$20.48
-1.35%
FINANCIAL SERVICES · Cap: $132.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 117211% more annual revenue ($75.72B vs $64.54M). SBFG leads profitability with a 21.6% profit margin vs 18.9%. SBFG trades at a lower P/E of 9.6x. C earns a higher WallStSmart Score of 64/100 (C+).
C
Buy64
out of 100
Grade: C+
SBFG
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.2%
Fair Value
$47.60
Current Price
$115.25
$67.65 premium
Margin of Safety
+65.9%
Fair Value
$61.85
Current Price
$20.48
$41.37 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
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
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 22 of every $100 in revenue as profit
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Key Dynamics to Monitor
C profiles as a value stock while SBFG is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
SBFG is growing revenue faster at 7.5% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (64/100 vs 63/100), backed by strong 18.9% margins. SBFG offers better value entry with a 65.9% margin of safety. Both earn "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.
SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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