In the past five years, the S&P 500, including dividends, produced a total return of about 100%. That's a very admirable result that investors who pick single stocks should try to outpace.

Unfortunately, Ally Financial (NYSE: ALLY) has come up well short of this mark. If we include dividends, its shares have returned just 67% since March 2019. But the stock has surged 38% so far this year, so there appears to be a growing sense of optimism.

Should investors buy, sell, or hold this bank stock? To provide some clarity, I think it's best to analyze both sides of the aisle before coming to a conclusion.

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Source Fool.com