VV Shots Citigroup (NYSE:C) has been the clear laggard of the big U.S. banks since the Financial Crisis. It was a poorly constructed collection of businesses, run inefficiently for decades. With that said, there have been opportunities to make a lot of money in the stock by buying at sizeable discounts to tangible book value, while prices close to tangible book value have made for good selling prices. There is hope that Citigroup's management team is on the right track and finally should start hitting the i ...