This year, had two issues that needed to be addressed before its stock price could make a significant move to the upside- financial reform and the Treasury selling its stake in the bank. This week, the financial reform bill was passed by Congress, and for the past month, the Treasury has been selling millions of shares a day. Once the Treasury completes selling their stake, there will be nothing to hold this stock back. Now I'm not saying that I think it will ever get back to pre-'08 levels, but over the next 3-5 years, I don't think its unrealistic to think that this stock will be at $12/share- a 204% increase from its $3.94/share close on Friday. The CEO, Vikram Pandit, has done an excellent job turning this company around and bringing it back to profitability- and I expect this to continue in the future. Anytime the price is below $4/share, its a great time to add to your position, as long as you plan on holding on to this name long term.