Bank stocks have been plagued with an old-fashioned case of interest-rate jitters - but will rebound without making major alterations to their business model, some analysts contended Tuesday as bank stocks neared 52-week lows.

The decline has given rise to a population growth among bearish analysts who argue that the banking model is fundamentally flawed. But many still maintain that banking companies are performing better than ever before. The biggest problem with bank stocks, these analysts say, is higher interest rates. Investors may be fawning over Internet stocks now, they said, but that does not mean banks have to change course to gain favor in the stock market.

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