3. Citigroup ( C) is quite often the most heavily traded U.S. stock, with an average daily share volume of more than 810 million. Recently, the Treasury Department began selling its Citigroup stake, which was acquired as part of the Troubled Asset Relief Program, or TARP. The bank's stock has famously failed to maintain the $5 level, although shares are up nearly 20% in 2010. Consensus: Of those with a rating on Citigroup, 11 analysts, or 44%, recommend purchasing the stock. Another 10 analysts advise holding them, and four, including Meredith Whitney, say investors should sell Citigroup shares. Closing Price: $3.92 (June 2) Bullish Case: On Wednesday, Rochdale Securities analyst Dick Bove said Citigroup's stock is trading at a slight discount to its tangible book value. "This means the company is selling below its liquidation value," Bove wrote. "The true value of Citigroup is well in excess of its current stock price. Some of its hidden asset values are now being recognized. It is led by a very capable CEO. The stock is seriously undervalued." Bove has a buy rating and $6.90 price target on Citigroup shares. Bearish Scenario: In April, Collins Stewart analysts upgraded Citigroup to hold, noting that while there are "signs of a nascent turnaround for the company," there is an overhang on the stock due to the Treasury's sale of its stake in the bank. Risks to the firm's $6 price target include a deteriorating credit and macroeconomic environment and more restrictive constraints from regulators, Collins Stewart analysts wrote.