Citigroup Inc. (C)vsRenasant Corporation (RNST)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
RNST
Renasant Corporation
$39.82
-0.25%
FINANCIAL SERVICES · Cap: $3.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 8863% more annual revenue ($78.73B vs $878.39M). RNST leads profitability with a 20.6% 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-
RNST
Strong Buy77
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
Strong operational efficiency at 43.5%
Revenue surging 62.7% year-over-year
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
ROE of 7.7% — below average capital efficiency
Expensive relative to growth rate
ROE of 5.5% — below average capital efficiency
Weak financial health signals
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 : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.6% and operating margin at 43.5%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : RNST
The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.08 — expect wider price swings.
RNST is growing revenue faster at 62.7% — 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 77/100), 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.
Renasant Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.
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