Citigroup Inc. (C)vs1st Source Corporation (SRCE)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
SRCE
1st Source Corporation
$72.60
-2.39%
FINANCIAL SERVICES · Cap: $1.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 18369% more annual revenue ($78.73B vs $426.31M). SRCE leads profitability with a 37.7% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
SRCE
Strong Buy67
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 49.9%
Conservative balance sheet, low leverage
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : SRCE
The strongest argument for SRCE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.7% and operating margin at 49.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : SRCE
The primary concerns for SRCE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
C profiles as a growth stock while SRCE is a mature 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 67/100), 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.
1st Source Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.
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