Citigroup is a stock widely loved by both professional and retail investors. I have read countless positive recommendations on Citigroup in the past year and cannot remember reading anything negative. Retail sentiment can be summed up in something that an acquaintance said to me: "If I had any money to invest I would buy Citigroup because it has to be worth more than $3".
It is very possible that everybody is right about Citigroup. But as long as the government is in the market selling shares every day I see no reason to buy. Talk to me when they are done or almost done.