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Three major US banks, Citigroup, Goldman Sachs, and Wells Fargo, are rallying into year-end despite the Fed's shift to a softer monetary stance. Citigroup has surged nearly 60% YTD, driven by earnings beats, restructuring momentum, and a fresh J.P. Morgan upgrade. Goldman Sachs shows strong operational results but valuation concerns are growing, while Wells Fargo may offer the most upside as a potential late-cycle performer.

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