Could be low teens... and THAT assumes no more regulatory issues and you know what they say about assumptions being the "mother of all f..ups". Got as low as a $6 handle and there is every reason to believe it could revisit that level...or worse.
The downturn that's coming won't just shave stock prices. Banks with tarnished reps might have to sell themselves into a bidless market for banks. Think Lehman or Bear Stearns. How did it turn out for those characters.
Ask yourself what happens when we get the inevitable 10-15% across the board nationwide decline in commercial and residential property values, combined with a decline in SPX to it's fair value( around 1,200.