The following video is part of our "Motley Fool Conversations" series, in which senior analyst Anand Chokkavelu discusses topics around the investing world.

The banking industry has been beaten down in recent months and years. Citigroup has been one of the big bank laggards and its latest earnings didn't help. But there may be opportunity here. Anand makes a buy, sell, or hold call on Citigroup.

Anand believes Citigroup is a buy, but a speculative one reserved for those who can take a leap of faith and take on high risk. He wrote about a smaller, simpler bank that has some of the best operational numbers he's ever seen. Read about it in our brand new free report: "The Stocks Only the Smartest Investors Are Buying." We invite you to take a free copy to find out the name of the bank Anand believes Warren Buffett would be interested in if he could still invest in small banks. Click here to access it now.