You've probably seen the ticker flicker on your screen lately. The stock quote for Citibank—technically Citigroup Inc., symbol C on the NYSE—has been doing some pretty interesting things as we kick off 2026. As of mid-January, the price is hovering around $118.07, a massive leap from where it sat just a couple of years ago.
Honestly, it's been a wild ride for anyone holding this stock. For a long time, Citi was the "problem child" of the big banks. It was messy, bloated, and basically a collection of disconnected global offices rather than a focused financial machine. But something changed.
Jane Fraser, the CEO who took the reins in 2021, basically told the world she was done with the old, bad habits. In a memo sent just a few days ago titled "The Bar is Raised," she was blunt. She told employees that the bank isn't graded on effort; it’s judged on results. That's the kind of talk investors have been waiting a decade to hear.
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Understanding the Real Stock Quote for Citibank Today
When you look at a stock quote for Citibank, you’re looking at more than just a number. You’re looking at a $211 billion behemoth trying to reinvent itself. Last Friday, the stock closed up about 0.52% at **$118.07**, with a 52-week high of $124.17.
If you compare that to its 52-week low of $55.51, you start to see the scale of the recovery. People are finally starting to believe the turnaround story.
But it’s not all sunshine and easy gains. The bank just reported its fourth-quarter and full-year 2025 results on January 14. It was a bit of a "good news, bad news" situation. On one hand, adjusted earnings per share (EPS) hit $1.81, which beat what most analysts on the Street were expecting. On the other hand, a massive Russia-related notable item—basically a fancy accounting term for lingering costs from exiting that market—dragged the reported net income down to $2.5 billion.
The Dividend Factor
For the income hunters, the dividend is a huge part of why they watch the stock quote for Citibank so closely. On January 12, 2026, the board declared a quarterly dividend of $0.60 per share.
- Payable Date: February 27, 2026.
- Record Date: February 2, 2026.
- Yield: Roughly 2.03% at current prices.
It’s a solid payout. Not the highest in the world, but it shows they have the cash to reward shareholders while they're still cutting fat from the bone.
Why 20,000 People Are Losing Their Jobs (and why the market likes it)
It sounds harsh. Kinda is, actually. But the market has reacted positively to the news that Citi is on track to eliminate 20,000 roles by the end of this year. Just this past week, they cut another 1,000 jobs.
The goal? A leaner headcount of around 180,000 by the time 2026 wraps up.
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CFO Mark Mason has been the architect here. He’s pushing for a Return on Tangible Common Equity (RoTCE) of 10-11% for 2026. For the non-finance nerds, that's basically a measure of how much profit the bank generates with the money shareholders have actually put in. Citi has lagged behind JPMorgan and Bank of America on this metric for years.
Fraser’s strategy is simple: quit trying to be everything to everyone in every country. They’ve been dumping international retail businesses like crazy—Mexico's Banamex is a big one still on the list—to focus on high-margin stuff like Wealth Management and US Credit Cards.
What the Analysts Are Actually Saying
If you look at the consensus, it's surprisingly bullish. Out of about 14 major analysts tracking the stock quote for Citibank, the vast majority have it as a "Buy" or "Strong Buy."
UBS recently reiterated a price target of $132.00. Analyst Erika Najarian called Citi’s recent quarter the "cleanest" among the big banks. That’s high praise in a world where bank earnings are usually filled with complicated "one-time" charges that make your head spin.
However, there’s a bear case. Some folks are worried about the CET1 ratio—the capital cushion banks have to keep to satisfy regulators. If new regulations get tougher, Citi might have to stop buying back its own shares to keep that cushion thick enough.
Also, credit cards are a double-edged sword. Citi has a roughly 12% market share in US cards. That's great when the economy is booming. It's scary if people start losing jobs and stop paying their bills.
How to Read the Numbers Without Getting Fooled
Don't just look at the price. Look at the Tangible Book Value (TBV).
Right now, Citi is trading around $97.06 per share in tangible book value. For years, the stock quote for Citibank was way below its book value, meaning the market thought the bank was worth less than the sum of its parts. Now, at over $118, the stock is finally trading at a premium to its TBV.
This is a major psychological shift for investors. It means people are no longer valuing Citi like a failing business, but like a growing one.
Quick Stats Check:
- Price/Earnings (P/E) Ratio: Around 16.8 (based on reported trailing earnings).
- Forward P/E: Closer to 14.5, which is still a discount compared to JPMorgan.
- Market Cap: ~$211.2 Billion.
Actionable Insights for Your Portfolio
If you're watching the stock quote for Citibank and wondering if you've missed the boat, here’s how to look at it.
First, check the February 2 ex-dividend date. If you want that $0.60 per share payout, you need to own the stock before then.
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Second, keep an eye on the efficiency ratio. Citi wants to get this down to 60%. This is basically the "cost of doing business." The lower it goes, the more of every dollar of revenue stays in the bank's pocket. If they hit that 60% target in the next few quarters, the stock could easily test that $130 analyst target.
Finally, don't ignore the macro. Citi Wealth's own 1Q 2026 report is "constructive" on the economy, but they’re wary of AI fatigue and potential tariff disruptions. If the broader market takes a hit, a high-beta stock like Citi usually drops faster than the S&P 500.
The smart move? Stop looking at it as a "cheap bank" and start looking at it as a "restructuring play." The easy money from the initial bounce is gone, but the real gains from a more efficient, high-tech bank are just starting to show up in the numbers.
Keep an eye on the $115 support level. If it dips there, it’s often been a solid entry point for those who believe in Jane Fraser’s "Raise the Bar" mantra. But remember, in the world of big banking, there's always another "notable item" lurking around the corner.
Stay sharp. The next few months of 2026 will determine if this is a true turnaround or just another false start for a Wall Street icon.