Goldberg, who predicted in October that the banks will improve as long as the U.S. economy improves, said that last year was "clearly disappointing" since 2011 started with expectations of 3 percent gross domestic productgrowth and ended with only a 1.7 percent rise.
There was also uncertainty about how the international Basel 3 bank solvency requirements and the U.S. Dodd-Frank financial services law would affect regionals, plus the concerns about Europe's solvency. Goldberg expects those factors to have less of an impact on the banks in 2012.
He is "overweight" on regional banks that "used the economic downturn to improve their franchises," including bigger Wells Fargo , US Bancorp and PNC Financial . These banks, he said, "made acquisitions to improve their franchise and took market share from their struggling peers."
Goldberg also likes Capital One , which "clearly benefited in 2011 from a much improved environment, in terms of credit quality for credit cards." He says it will see a "modest pickup in growth" this year, thanks to two pending acquisitions.
CNBC Data Pages:
Jason Goldberg does not own shares of the banks mentioned but they have an investment banking relationship with Barclays Capital.