Over the past decade, Citigroup stock has underperformed peers Bank of America and JPMorgan Chase. As a result, it's trading at an ultra-low valuation of just 0.9 times its tangible book value. In other words, you can buy $1 worth of this bank's assets, minus its liabilities, for $0.90 at recent prices.

The new year can be a time to reevaluate your portfolio. Did you buy too many high-risk stocks that did poorly in 2024? Now is the perfect time to switch things up and build a durable portfolio that can sustain and grow your wealth over the long haul.