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Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model





) pushed the Banking industry lower today making it today's featured Banking laggard. The industry as a whole closed the day up 0.4%. By the end of trading, Citigroup fell 35 cents (-1.2%) to $29.34 on light volume. Throughout the day, 20.3 million shares of Citigroup exchanged hands as compared to its average daily volume of 36.6 million shares. The stock ranged in price between $29.31-$29.89 after having opened the day at $29.54 as compared to the previous trading day's close of $29.69. Other companies within the Banking industry that declined today were:

OptimumBank Holdings



), down 9.4%,

Naugatuck Valley Financial Corporation



), down 6.4%,

WSB Holdings


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TheStreet Recommends


), down 5.7%, and

Oak Ridge Financial Services



), down 5.5%.

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Citigroup, Inc., a diversified financial services holding company, provides a range of financial products and services to consumers, corporations, governments, and institutions worldwide. The company operates through two segments, Citicorp and Citi Holdings. Citigroup has a market cap of $87.48 billion and is part of the


sector. The company has a P/E ratio of 8.6, equal to the average banking industry P/E ratio and below the S&P 500 P/E ratio of 17.7. Shares are up 12.8% year to date as of the close of trading on Monday. Currently there are 13 analysts that rate Citigroup a buy, three analysts rate it a sell, and four rate it a hold.

TheStreet Ratings rates Citigroup as a


. The company's strengths can be seen in multiple areas, such as its attractive valuation levels, increase in stock price during the past year and notable return on equity. However, as a counter to these strengths, we also find weaknesses including unimpressive growth in net income, generally higher debt management risk and weak operating cash flow.

On the positive front,

Bank VA Chesterfield



), up 13.1%,

Porter Bancorp



), up 8.4%,

Auburn National



), up 8.1%, and

Waterstone Financial



), up 6.3%, were all gainers within the banking industry with




) being today's featured banking industry leader.

For investors not wanting singular stock exposure, ETFs may be of interest. Investors who are bullish on the banking industry could consider




) while those bearish on the banking industry could consider

ProShares Short KBW Regional Bankng