Another Misunderstood Spin-Off, page-78

"Another research note out of Citi reveals that its analysts have reiterated their sell rating on Clydesdale and Yorkshire Bank with a $4.26 price target. Its analysts appear to believe competitive pressures and low interest rates are going to weigh on net interest margins."

Based on many years of seeing stockbroking analysts with no accountability get things horribly wrong, I'd sooner take my investing cues from a troop of monkeys.