Yet despite the wide divide between Musk’s expectations and Tesla’s reality, two of Wall Street’s biggest banking firms still can’t agree whether Tesla is a wise investment.

Goldman Sachs views the Model 3 production shortfall as yet another reason to be skeptical of Tesla. Goldman predicts the firm will shed $20.3 billion in market capitalization over the next six months, or roughly 35% of its current value, because the company is unlikely to meet production targets. Still, Goldman lifted its six-month price target on Tesla to $210 from $200 in part thanks to better delivery figures on its other vehicles. Goldman has the equivalent of a “Sell” rating on the stock.

Morgan Stanley, on the other hand, isn’t as concerned about Tesla’s missed Model 3 delivery target. “Most auto launches have hiccups, and Tesla is not exception,” wrote Morgan Stanley analyst Adam Jonas in a note of his own. Morgan Stanley has the equivalent of a “Hold” rating on the stock.

Jonas argued that, because the first Model 3 vehicles showed few of the problems that often plague early-production cars, there is reason for optimism about the vehicle’s future. “In our opinion, quality and attractiveness of early production is far more important than the quantity delivered — at least for now,” he wrote.

The dueling notes come after Tesla released updates on the third quarter delivery figures late Monday. While the company reported weak Model 3 deliveries, its deliveries of the Model X SUVs and Model S sedans were far rosier. In total, deliveries for the quarter rose 4.5% to 26,150.