Every day, the sun rises on Wall Street, and a plethora of professional analysts wake to issue new opinions on stocks. Here at the Fool, we use our "This Just In" column to examine some of these picks -- and the track records of the companies behind them -- so individuals can make better investing decisions.

In addition to following professional banks, anyone can use Motley Fool CAPS to monitor the collective opinions of more than 145,000 members, many of whom demonstrate better investing insight than published analysts do.

After being stuck at a two-star rank for years, enough top-performing CAPS members have turned bullish on Citigroup (NYSE:C) recently to upgrade it to a more formidable three stars. A total of 9,276 members have given their opinion on the megabank, with many of them offering analysis and commentary explaining the recent optimism.

There's no doubt that plenty of risk remains on Citigroup's balance sheet and investors still have only a vague sense of what it holds. But as time has progressed and Citigroup has held up through the recession post-TARP, more CAPS members are having a look at its future potential.

Citigroup has been able to sell off less desirable assets in its Citi Holdings division, helping the bank report a narrower loss in the segment. It's also decided to hold onto some of its less risky mortgages that it made to its customers that comply with Fannie Mae (NYSE:FNM) and Freddie Mac (NYSE:FRE) standards. While other banks like Wells Fargo (NYSE:WFC) and Bank of America (NYSE:BAC) have continued lending, Citigroup has recognized mortgage lending as a key part of retail banking and is looking to focus on more affluent customers in major markets.

Citigroup remains a speculative play in many investors' minds, but some are encouraged that its nonperforming loans showed improvement in the fourth quarter, and its credit losses moved in the right direction. While peers Goldman Sachs (NYSE:GS) and JPMorgan Chase (NYSE:JPM) have seen big gains in their share prices in the last year, Citi has barely moved, leaving some CAPS members thinking that its upside potential outweighs its risk.

Do you think Citigroup deserves its raised status? Add your thoughts in the comments box below on this page, or head over to CAPS to rate the company and check out all the information and opinions the community offers, absolutely free.

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Fool contributor Dave Mock recently upgraded his banking services to get the free gift bag. He owns no shares of companies mentioned here. The Fool's disclosure policy practices tough love.