Citigroup Inc. (C)vsMerchants Bancorp (MBIN)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
MBIN
Merchants Bancorp
$46.54
+3.42%
FINANCIAL SERVICES · Cap: $2.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 13868% more annual revenue ($78.73B vs $563.69M). MBIN leads profitability with a 38.8% profit margin vs 20.4%. MBIN trades at a lower P/E of 13.1x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
MBIN
Buy51
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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.0%
Attractively priced relative to earnings
Areas to Watch
ROE of 7.7% — below average capital efficiency
Elevated debt levels
Weak financial health signals
Revenue declined 17.6%
Earnings declined 30.6%
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 : MBIN
The strongest argument for MBIN centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 38.8% and operating margin at 52.0%.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : MBIN
The primary concerns for MBIN are Debt/Equity, Piotroski F-Score, Revenue Growth. Debt-to-equity of 1.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a growth stock while MBIN is a declining play — different risk/reward profiles.
MBIN carries more volatility with a beta of 1.16 — 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 51/100), 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.
Merchants Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Merchants Bancorp is the diversified bank holding company in the United States. The company is headquartered in Carmel, Indiana.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?