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C - Citibank


gordoffh

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all the eyes on bank of america but isn't c cheaper?

 

I'm in also since january,

This thing is a patience game. But clearly if they sustain and grow their earnings, it is undervalued

 

 

Just one sheep's opinion, but...

 

Buffett was asked why he didn't own Citigroup and he said he didn't know what they would earn in the future.

 

Given that they're both fairly cheap, I just choose to own BofA and leverage his wisdom.  C may do better though.

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Personally, my decision came down to preferring the terms of the warrants for BAC over comparable vehicles for investing in Citi.  I also determined, in my infinite and unique wisdom, that Citi does not have a Merrill Lynch.  BTW, I wonder what would happen the next day if it were announced Nelson Peltz, for example, has acquired a large stake in BAC and started talking to the board about spinning Merrill.  I did like that Citi has an independent and powerful chairman whom I think will likely start breaking up the bank if they can't turn it around in the next year or two.

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Buffett was asked why he didn't own Citigroup and he said he didn't know what they would earn in the future.

 

Given that they're both fairly cheap, I just choose to own BofA and leverage his wisdom.  C may do better though.

 

Do you think Buffett didn't know how to value the non-US (Mexico, Asian, etc.) income streams of Citi? Or do think it was the same concerns the Fed have about safe guards and risk system?

 

Didn't get a chance to see the interview where he stated that. He's invested in foreign banks before.  He should be comfortable with non-US economies.

 

Domestically, he seems to know JPM, WFC, BAC, UBS, etc... so, that's quite a statement, if you think about it. It's not like Microsoft that punts. Banking is in his wheelhouse.

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Buffett was asked why he didn't own Citigroup and he said he didn't know what they would earn in the future.

 

Given that they're both fairly cheap, I just choose to own BofA and leverage his wisdom.  C may do better though.

 

Do you think Buffett didn't know how to value the non-US (Mexico, Asian, etc.) income streams of Citi? Or do think it was the same concerns the Fed have about safe guards and risk system?

 

Didn't get a chance to see the interview where he stated that. He's invested in foreign banks before.  He should be comfortable with non-US economies.

 

Domestically, he seems to know JPM, WFC, BAC, UBS, etc... so, that's quite a statement, if you think about it. It's not like Microsoft that punts. Banking is in his wheelhouse.

 

 

He also said he would invest in Microsoft, for what it's worth... but hasn't done so because of the conflict with Bill Gates on the Berkshire board.

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Buffett was asked why he didn't own Citigroup and he said he didn't know what they would earn in the future.

 

Given that they're both fairly cheap, I just choose to own BofA and leverage his wisdom.  C may do better though.

 

Do you think Buffett didn't know how to value the non-US (Mexico, Asian, etc.) income streams of Citi? Or do think it was the same concerns the Fed have about safe guards and risk system?

 

Didn't get a chance to see the interview where he stated that. He's invested in foreign banks before.  He should be comfortable with non-US economies.

 

Domestically, he seems to know JPM, WFC, BAC, UBS, etc... so, that's quite a statement, if you think about it. It's not like Microsoft that punts. Banking is in his wheelhouse.

 

 

He also said he would invest in Microsoft, for what it's worth... but hasn't done so because of the conflict with Bill Gates on the Berkshire board.

 

"Who is this Buffett?" Buying IBM and commenting about investing in MSFT....  is it Bizzaro Buffett?

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These A warrants require ten warrants to purchase 1 share. At 82 cents you're paying $8.20 for a warrant exerciseable at 106. And they've been flying. I sold mine at 73 last week and I'm trying to figure this out. You do need ten warrants. The stock reverse split ten for one. The wrts have to buy 1/10 of what they bought before.  Do buyers not know this or is 8.20 not overpriced? They have 4 1/2 years.

 

Baupost is holding the A warrants.  Pretty surprising...

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These A warrants require ten warrants to purchase 1 share. At 82 cents you're paying $8.20 for a warrant exerciseable at 106. And they've been flying. I sold mine at 73 last week and I'm trying to figure this out. You do need ten warrants. The stock reverse split ten for one. The wrts have to buy 1/10 of what they bought before.  Do buyers not know this or is 8.20 not overpriced? They have 4 1/2 years.

 

Baupost is holding the A warrants.  Pretty surprising...

 

0.82 is the price for the warrant to buy 1/10th of a share at $106 per share, so they have the same economic effect as before.  That being said, the common has to grow at north of 23% per annum for the warrants to be better.  Seems very speculative to me.

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Guest wellmont

the warrants are trading sardines and may never be in the money. but if C rises fast over the next one and two years the warrants will go up more because there will be time value left for dreamers and speculators. simply a leveraged bet on C in the short/med term. Best not to get hung up on whether they will end up in the money. the public loves warrants like this and will create a market for them if C gets popular again. things that are low priced and move fast attract fast money. that's my Theory, which could be way off base.

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Also, Klarman says to not copy Baupost because they often do some weird stuff. We don't know if he is simply long the warrants or if he has some fancy position such as have it combined with writing calls or writing puts. I haven't been paying attention to C, but I know that the time value of the warrants for AIG, BAC, and GM don't behave like the options. For GM in particular, there were periods where it violated the no arbitrage principle (i.e. calls of similar strike were more expensive than the warrants, despite having a much shorter time to expiration). I can imagine some combination of options and the warrants creating a free lottery ticket, but that won't be obvious in the 13F filings.

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Also, Klarman says to not copy Baupost because they often do some weird stuff. We don't know if he is simply long the warrants or if he has some fancy position such as have it combined with writing calls or writing puts.

 

Agreed. He might look at it as an inflation hedge?

 

 

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Citigroup Agrees to Sell 41 Texas Branches to BB&T: “We see the retail banking industry rapidly evolving beyond a purely branch-based model, and so we will dedicate our resources and investments on a more focused branch footprint in our major urban markets and on expanding our digital channels nationally.”

 

http://www.bloomberg.com/news/2014-09-03/citigroup-agrees-to-sell-texas-branches-to-bb-t.html?cmpid=yhoo

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  • 2 weeks later...

"The basic idea on Citigroup is that Tangible book value is: 56$ while stock price is 52$?

 

Is there something else now?

 

211M(equity) - 9 (prefered) - 32 (intangibles) = 170M

170M/3'037M (shares outstanding) = 56$"

 

 

 

It's about $56.80 or 90 and in two weeks it should at or above $58.

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