The big banks have had a busy week of earnings reports and a few banks beat expectations. Two of them, Citi and Bank of America, both beat forecasts for revenue and other metrics. “There are expectations of tighter regulatory scrutiny due to the failure of the SIVB, but the big banks are well prepared and they are,” said Stephen Biggar, research director for financial institutions. I don’t expect major changes for them. Smaller banks will likely be subject to additional regulatory scrutiny.” at Argus Research. Since the start of the banking crisis, Bank of America is still down less than 1% and down more than 8% year-to-date, while Citi has covered some of its losses, up more than 4% and up 12 % for the year to date. The following table shows some key metrics, including how well the two banks are capitalization, profitability, and the nature of their deposits. CNBC Pro looks at what analysts are saying about two banks, one of the largest in the United States. Bank of America: ‘Outstanding Resilience’ Bank of America continues to embody the “Goliath is winning” theme, Wells Fargo said in an April 18 report. Wells Fargo analysts led by Mike Mayo’s lead wrote: “Its Q1 FY23 EPS exceeds consensus by 13% thanks to outstanding resilience in its business model, balance sheet, and capital stock.” The bank’s earnings came in at 94 cents per share, higher than Wall Street’s estimate of 82 cents, according to Refinitiv. Wells Fargo said bank deposits fell 2%. But it added that the bank had “deposit stickiness” and highlighted the shift in deposit levels, saying, “The bigger picture is that BAC has the lowest cyclical beta (estimated 30% ) on its $1.3 trillion in profitable deposits.” The problem of uninsured deposits has been prominent since the collapse of Silicon Valley Bank, which had unsecured deposits. Wells Fargo also noted that Bank of America’s capital markets revenue grew 1% year-over-year and 30% quarter-quarter, beating companies Wells Fargo has given Bank of America a price target of $45, or a potential gain of nearly 50% from Wednesday’s closing price, Argus Research’s Biggar said he prefers Bank of America to Citi. , though he gave both a “buy” rating. “I like BAC’s broad diversification, which helps address periods of weakness in several businesses depending on the environment,” he told CNBC Pro. “The lending business is currently the driving force, while the investment banking business is weakening. Business is the driver of larger revenue, as is the huge credit card business. their.” Citi: ‘One more twist’ Silver and Commerce Wells Fargo analysts wrote: “We consider this to be Citi’s most premium business. That entity is part of Citi’s institutional clientele and provides trade finance and cash management services. “At the start of the earnings report, we felt that one difference would be banks like Citi, which showed both higher [average] deposits (slightly higher than last quarter) and [net interest income] (+1%), including [net interest margin] NIM (up 2 basis points),” said analysts. Wells Fargo has given Citi a target price of $62, or a potential 24% increase from Wednesday’s closing price – smaller. the increase it gives Bank of America. Biggar said Citi is “more likely to change” around the story. “They lag behind their peers on several financial metrics including [return-on-equity] and efficient, but under the new CEO is making major changes to improve its financial position, including the closure of many remote international operations that are not strategic and often create more volatility for the company. income stream,” he told CNBC Pro.