Although the two companies have completely different business models, Fannie Mae (OTC:FNMA) and J.C. Penney (NYSE:JCP) have both been making headlines over the past year. Fannie Mae shareholders remain stuck in the limbo that is the government conservatorship, while J.C. Penney's sales flounder.

In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson choose between these two and tell viewers the rationale behind their picks.