Bank of America (BAC +2.9%) and Citigroup (C +1.8%) both have 30% upside this year, says Guggenheim's Marty Mosby, with big dividend hikes - BofA to $0.05 quarterly from $0.01, Citi to $0.25 - a major catalyst. Oppenheimer urges caution on capital returns. "The banks (will) get let out of the penalty box only very slowly."
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