IMO...If by Feb earnings call, COOP is close to 70.00...with good guidance, 80.00 is a lock 1st qtr. call.
Rates coming down, housing market should be robust this summer...2nd earning call, should push COOP to 90.00+... continuing the great momentum, should see 100.00 3rd qtr. and 4th qtr 120.00.