Bank of America's (NYSE:BAC) stock doubled in value in 2012, and its rise turned many bears into bulls. On the other hand, over the past year, shares of Citigroup (NYSE:C) have had one of the quietest 84% rises you may ever see.

After being viewed as even more troubled than Bank of America, Citigroup appears to be on the mend under the leadership of CEO Michael Corbat. Does the stock still have upside from today's price? In this video, Motley Fool banking analysts David Hanson and Matt Koppenheffer debate the megabank's future in a bull vs. bear discussion.

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David Hanson has no position in any stocks mentioned. Matt Koppenheffer owns shares of Bank of America. You can follow David and Matt on TwitterThe Motley Fool owns shares of Bank of America and Citigroup. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.