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# ![@victaurs Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1818202976219217920.png) @victaurs Victaurs

Victaurs posts on X about $jef, $wal, $zion, $bpop the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1818202976219217920/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +63%
- X Year XXXXXXXXX +2,265%

### Mentions: XX [#](/creator/twitter::1818202976219217920/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XXX +5.70%
- X Months XXX +71%
- X Year XXXXX +3,141%

### Followers: XXXXX [#](/creator/twitter::1818202976219217920/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:followers.svg)

- X Week XXXXX +1.60%
- X Month XXXXX +4.30%
- X Months XXXXX +56%
- X Year XXXXX +619%

### CreatorRank: XXXXXXX [#](/creator/twitter::1818202976219217920/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1818202976219217920/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1818202976219217920/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[$jef](/topic/$jef) #34, [$wal](/topic/$wal) #96, [$zion](/topic/$zion) #25, [$bpop](/topic/$bpop) #1, [money](/topic/money) 1.94%, [$ubs](/topic/$ubs) 1.55%, [wal](/topic/wal) #129, [$fhn](/topic/$fhn) #4, [$50m](/topic/$50m) #37, [$fcnca](/topic/$fcnca) #1

**Top accounts mentioned or mentioned by**
[@aureliusltd28](/creator/undefined) [@310value](/creator/undefined) [@theoriginal5895](/creator/undefined) [@investorj3](/creator/undefined) [@bitmoreleverage](/creator/undefined) [@arrakisglobal](/creator/undefined) [@charrisinvest](/creator/undefined) [@thetafarmer98](/creator/undefined) [@nohesicapital](/creator/undefined) [@strenuouslyobje](/creator/undefined) [@joeschmo11111](/creator/undefined) [@bridgingtonhol](/creator/undefined) [@malinvested](/creator/undefined) [@unusaybah46](/creator/undefined) [@timodengler](/creator/undefined) [@pizzastacker](/creator/undefined) [@gregb1963](/creator/undefined) [@thefakedealnyc](/creator/undefined) [@junkbondinvest](/creator/undefined) [@zerohedge](/creator/undefined)

**Top assets mentioned**
[Jefferies Financial Group Inc. (JEF)](/topic/$jef) [Walrus (WAL)](/topic/$wal) [Zions Bancorporation, NA. (ZION)](/topic/$zion) [Popular Inc (BPOP)](/topic/$bpop) [UBS Group AG (UBS)](/topic/$ubs) [First Horizon, Corp. (FHN)](/topic/$fhn) [First Citizens BancShares, Inc. (FCNCA)](/topic/$fcnca) [Bank OZK (OZK)](/topic/$ozk) [OwlDAO (OWL)](/topic/$owl) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [Chime Financial, Inc. Class A Common Stock (CHYM)](/topic/$chym) [Klarna Group (KLAR)](/topic/$klar) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Credits (CS)](/topic/$cs) [SVB Financial Group (SIVBQ)](/topic/$sivb) [JPMorgan Chase (JPM)](/topic/$jpm) [StoneCo Ltd. Class A Common Shares (STNE)](/topic/$stne) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [4 (FOUR)](/topic/$four) [Apple, Inc. (AAPL)](/topic/$aapl) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Microsoft Corp. (MSFT)](/topic/$msft) [AurusX (AX)](/topic/$ax) [Valley National Bancorp (VLY)](/topic/$vly) [Wintrust Financial Corp (WTFC)](/topic/$wtfc) [Cadence Bank (CADE)](/topic/$cade) [East West Bancorp, Inc. (EWBC)](/topic/$ewbc) [Ameris Bancorp (ABCB)](/topic/$abcb) [Apollo Global Management, Inc. (APO)](/topic/$apo) [KKR & Co, Inc. (KKR)](/topic/$kkr) [Blackstone, Inc. (BX)](/topic/$bx) [Autozone Inc (AZO)](/topic/autozone) [Flagstar Financial, Inc. (FLG)](/topic/$flg) [GammaSwap (GS)](/topic/$gs)
### Top Social Posts [#](/creator/twitter::1818202976219217920/posts)
---
Top posts by engagements in the last XX hours

"$crcl $chym $klar Different tickers same story: insiders cashing out while retail chases hype"  
[X Link](https://x.com/victaurs/status/1973384981704478996) [@victaurs](/creator/x/victaurs) 2025-10-01T13:50Z 4923 followers, 1122 engagements


"$crcl IPOd at $58B. $chym at $11.6B. $klar at $14B. Different tickers same question: are you buying businesses or just stories"  
[X Link](https://x.com/victaurs/status/1973766572125851842) [@victaurs](/creator/x/victaurs) 2025-10-02T15:06Z 4923 followers, XXX engagements


"High P/E isnt always expensive. Low P/E isnt always safe. $AMZN at 100x was a bargain. $CS at 5x was a trap. Multiples arent gospel theyre vibes snapshots of expectations in a moment. The art is knowing which expectations deserve your capital"  
[X Link](https://x.com/victaurs/status/1969439108641784092) [@victaurs](/creator/x/victaurs) 2025-09-20T16:30Z 4923 followers, 1309 engagements


"KRE is a bad index. It literally buys losers and trims winners. That means hedge funds short all names at once good or bad. So lets crowdsource: which regionals are fundamentally strong but unfairly punished"  
[X Link](https://x.com/victaurs/status/1979190665725542778) [@victaurs](/creator/x/victaurs) 2025-10-17T14:20Z 4923 followers, 6887 engagements


"$FHN whiffed with CEO buyer not seller comments. $WAL headlines got messy with First Brands. $ZION preannounced a $50M hit. Everything else More or less fine. Wheres the real opportunity hiding"  
[X Link](https://x.com/victaurs/status/1979196957550649742) [@victaurs](/creator/x/victaurs) 2025-10-17T14:45Z 4923 followers, 2890 engagements


"The baby has been thrown out with the bathwater. $BPOP at 8.5x 2026 EPS. $FCNCA near 9.5x. $OZK about to restart buybacks. Which regional names do you think come out stronger from this washout"  
[X Link](https://x.com/victaurs/status/1979208280032395639) [@victaurs](/creator/x/victaurs) 2025-10-17T15:30Z 4923 followers, 5274 engagements


"$ZION preannounced a $50M loss and lost $1B in market cap. Thats narrative math in real time. Have you spotted other names where the punishment doesnt fit the crime"  
[X Link](https://x.com/victaurs/status/1979627360719945951) [@victaurs](/creator/x/victaurs) 2025-10-18T19:15Z 4923 followers, 2492 engagements


"Hedge funds love shorting $KRE because of its broken structure. So lets flip it: if you could build your own regional bank index which X names would you pick"  
[X Link](https://x.com/victaurs/status/1979974269745697126) [@victaurs](/creator/x/victaurs) 2025-10-19T18:13Z 4923 followers, 4672 engagements


"Some of these rates up winners should keep winning in '25 while others will not. $FCNCA is going to buy a lot of itself back in '25 plus it's $SIVB business lines benefit from lower rates (VC ecosystem). $JPM even told people go forward returns would be harder. Thoughts"  
[X Link](https://x.com/victaurs/status/1835368985241457057) [@victaurs](/creator/x/victaurs) 2024-09-15T17:24Z 4923 followers, XXX engagements


"$STNE isnt flashy. It doesnt pitch a future AI monopoly or dream of reinventing money. What it does is grow EPS 20%-30% recycle divestment proceeds into buybacks and stay disciplined on credit risk. At 14x trailing and 10x forward earnings it compounds faster than peers still priced richer. Sometimes the best trades arent about catching the next big theme. Theyre about holding a company that quietly does the small things right over and over again"  
[X Link](https://x.com/victaurs/status/1970512738469453936) [@victaurs](/creator/x/victaurs) 2025-09-23T15:37Z 4924 followers, 1225 engagements


"@EquityBrian $PYPL trades like a legacy utility $FOUR and $ADYEN still trade like growth the spread is really about who you think survives the next margin squeeze"  
[X Link](https://x.com/victaurs/status/1973035176583438455) [@victaurs](/creator/x/victaurs) 2025-09-30T14:40Z 4926 followers, XXX engagements


"$JEF confirmed a $XXX million stake in Point Bonita Capital a $X billion trade-finance fund that had lent to First Brands plus $XX million in First Brands loans across a dozen CLOs. Goldmans model put the worst-case damage at just $XX million pre-tax roughly 5%of 2025 EPS. Not Lehman XXX. Sorry"  
[X Link](https://x.com/victaurs/status/1976275313970622791) [@victaurs](/creator/x/victaurs) 2025-10-09T13:15Z 4924 followers, 2883 engagements


"If you are buying $UBS $JEF or $WAL here you are not betting on creditworthiness. You are betting on whether First Brands double pledged too much of its $2.3B in receivables"  
[X Link](https://x.com/victaurs/status/1976309904764961144) [@victaurs](/creator/x/victaurs) 2025-10-09T15:32Z 4924 followers, 7645 engagements


"$JEF is not blowing up. A $40M loss on $669M in net income is irritation not extinction. The real risk is reputation and whether LPs trust the platform after this"  
[X Link](https://x.com/victaurs/status/1976654924621705698) [@victaurs](/creator/x/victaurs) 2025-10-10T14:23Z 4924 followers, 1835 engagements


"Everyones quoting $715M like it is Jefferies direct loss. It is not. The fund owns the receivables. Jefferies true hit is closer to $113M in equity and $48M in CLO sleeves. The difference between gross and net matters"  
[X Link](https://x.com/victaurs/status/1977037200903778444) [@victaurs](/creator/x/victaurs) 2025-10-11T15:42Z 4924 followers, 2243 engagements


"A $40M hit at $JEF is not a crisis. The real question is whether LPs still believe in the trade-finance story after seeing how messy the collateral can be"  
[X Link](https://x.com/victaurs/status/1977067489789116909) [@victaurs](/creator/x/victaurs) 2025-10-11T17:43Z 4925 followers, 1598 engagements


"The scariest part of $UBS exposure is not the number. It is the timeline. These fights drag on for quarters sometimes years"  
[X Link](https://x.com/victaurs/status/1977079250772689099) [@victaurs](/creator/x/victaurs) 2025-10-11T18:30Z 4924 followers, 1074 engagements


"The First Brands bankruptcy is not about bad credit. It is about broken paperwork. $WAL $JEF $UBS all sit in the middle. Full breakdown here"  
[X Link](https://x.com/victaurs/status/1977412314476446068) [@victaurs](/creator/x/victaurs) 2025-10-12T16:33Z 4924 followers, 1595 engagements


"Goldman sees Jefferies exposure at $45M just X% of projected 2025 earnings. The market priced it like a solvency event. That is the spread between fear and fact"  
[X Link](https://x.com/victaurs/status/1978924334082101273) [@victaurs](/creator/x/victaurs) 2025-10-16T20:41Z 4925 followers, 2755 engagements


"@agnostoxxx Both can be true. Flows left the market and still landed in $aapl $msft $nvda because the Mag7 are not equities anymore they are a substitute for cash"  
[X Link](https://x.com/victaurs/status/1979565332542140840) [@victaurs](/creator/x/victaurs) 2025-10-18T15:08Z 4926 followers, XXX engagements


"Wrote this in September of '24 on $BPOP. We just hit the "should be worth" target"  
[X Link](https://x.com/victaurs/status/1948047453581955256) [@victaurs](/creator/x/victaurs) 2025-07-23T15:48Z 4926 followers, 2039 engagements


"Some up cap cheap names hiding in plain sight: $WAL $CUBI $AX $VLY $OZK $EWBC $WTFC $CADE $ABCB $BPOP. all XX fwd EPS while compounding TBV X % and spinning doubledigit ROATCE. Thoughts"  
[X Link](https://x.com/victaurs/status/1950580148501123312) [@victaurs](/creator/x/victaurs) 2025-07-30T15:32Z 4926 followers, 5833 engagements


"Adyen trades at 25x EBITDA with XX% margins. Block sits at 18x with thinner profits. PayPal at 12x but growth has slowed. Wise at 14x grows faster than PayPal steadier than Block and profits unlike Remitly. Tell me again why its just a remittance app"  
[X Link](https://x.com/victaurs/status/1970957362644332557) [@victaurs](/creator/x/victaurs) 2025-09-24T21:03Z 4926 followers, 1702 engagements


"$OWL and the private credit crowd are in a squeeze. They have to keep shoving dry powder into leveraged loans and PE deals. That treadmill doesnt stop even if the market does"  
[X Link](https://x.com/victaurs/status/1973485002789957997) [@victaurs](/creator/x/victaurs) 2025-10-01T20:27Z 4926 followers, 1461 engagements


"Private credit looks shiny until you realize the treadmill never stops. $OWL $APO $KKR $BX have to keep pouring money into levered loans whether the cycle justifies it or not"  
[X Link](https://x.com/victaurs/status/1974123695678631983) [@victaurs](/creator/x/victaurs) 2025-10-03T14:45Z 4925 followers, XXX engagements


"Everyone dunking on this but Ive been one of the few actually short $owl all the way down. Where were you all months ago"  
[X Link](https://x.com/victaurs/status/1974952108211531951) [@victaurs](/creator/x/victaurs) 2025-10-05T21:37Z 4926 followers, 4922 engagements


"The panic around $WAL is about structure not solvency. If the lien is perfected and the lockbox is secure the collateral pays out. If not bankruptcy court decides who eats first"  
[X Link](https://x.com/victaurs/status/1976664411558552039) [@victaurs](/creator/x/victaurs) 2025-10-10T15:01Z 4921 followers, 2111 engagements


"The First Brands bankruptcy is not about whether AutoZone or Walmart pay their bills. They will. The real fight is about who gets the money once it arrives"  
[X Link](https://x.com/victaurs/status/1976723395728621681) [@victaurs](/creator/x/victaurs) 2025-10-10T18:55Z 4926 followers, 1012 engagements


"People call this a credit event. I call it a legal event. Credit risk is when the borrower cannot pay. Legal risk is when three lenders show up at court waving the same invoice. The borrower is fine. The system is not"  
[X Link](https://x.com/victaurs/status/1977088133889245570) [@victaurs](/creator/x/victaurs) 2025-10-11T19:05Z 4925 followers, 11.8K engagements


"Trade finance sounds boring until it explodes. One bad filing one duplicate pledge one misplaced lockbox and the whole structure collapses into a legal knife fight. The lawyers always get paid"  
[X Link](https://x.com/victaurs/status/1977392565071606077) [@victaurs](/creator/x/victaurs) 2025-10-12T15:15Z 4925 followers, 1036 engagements


"Some of the best opportunities appear when fear outruns the facts. $JEF is not perfect but it is not Bear. The fight here is with the story not the solvency"  
[X Link](https://x.com/victaurs/status/1977735575194288262) [@victaurs](/creator/x/victaurs) 2025-10-13T13:58Z 4927 followers, 1680 engagements


"Bear and Lehman levered 30-36x into mortgage sludge. $JEF runs closer to 8x backed by daily margined trading assets. The comparison is lazy"  
[X Link](https://x.com/victaurs/status/1977751429550153915) [@victaurs](/creator/x/victaurs) 2025-10-13T15:01Z 4926 followers, 10.4K engagements


"$C returned $6.1B to shareholders this quarter. Buybacks + dividend. Payout ratio 176%. Not exactly dying bank behavior"  
[X Link](https://x.com/victaurs/status/1978193844379480134) [@victaurs](/creator/x/victaurs) 2025-10-14T20:19Z 4926 followers, XXX engagements


"Bear and Lehman were levered 30x on illiquid mortgages. $JEF sits near 8x with a trading book that marks daily. That leverage gap is the whole story"  
[X Link](https://x.com/victaurs/status/1978932179725095127) [@victaurs](/creator/x/victaurs) 2025-10-16T21:12Z 4926 followers, 1919 engagements


"Doomers have called XXX bank crises since 2020. Were still waiting for one that sticks. Which regionals would you not touch here Curious what the bear cases are"  
[X Link](https://x.com/victaurs/status/1979221118440608005) [@victaurs](/creator/x/victaurs) 2025-10-17T16:21Z 4921 followers, 2103 engagements


"I keep hearing regional crisis. Yet $bpop is trading at 8.5x 2026 earnings with a XX% loan/deposit ratio. Feels more like a gift than a crisis. Which cheap but strong regionals are on your radar"  
[X Link](https://x.com/victaurs/status/1979910407797018980) [@victaurs](/creator/x/victaurs) 2025-10-19T14:00Z 4921 followers, 2081 engagements


"Dear frens. If you DM me here on tickers know that I dont really check this nor will I give up specific advice. I do however check the unmentionable app DMs for people in the community. If you want to chat then upgrade and Im around nearly 24/7. $FLG thoughts from this am"  
[X Link](https://x.com/victaurs/status/1969773748287946978) [@victaurs](/creator/x/victaurs) 2025-09-21T14:40Z 4924 followers, 3786 engagements


"The lie of low P/E is comfort. Its cheap how bad can it be Ask the bagholders of $cs. The lie of high P/E is fear. Too expensive cant touch it. Ask anyone who passed on $amzn at 100x. Multiples dont kill you. Misreading them does"  
[X Link](https://x.com/victaurs/status/1969803810307711048) [@victaurs](/creator/x/victaurs) 2025-09-21T16:40Z 4923 followers, 3367 engagements


"IPO doesnt stand for Initial Public Offering. It stands for Insiders Payday Opportunity"  
[X Link](https://x.com/victaurs/status/1973417905758020064) [@victaurs](/creator/x/victaurs) 2025-10-01T16:01Z 4925 followers, 5173 engagements


"$UBS may face $500M in First Brands exposure. That is real money but shared pain rarely becomes systemic. The lawyers will bill. The banks will mark. The system absorbs"  
[X Link](https://x.com/victaurs/status/1976678826295136747) [@victaurs](/creator/x/victaurs) 2025-10-10T15:58Z 4921 followers, 1217 engagements


"For $WAL to lose real money four things must go wrong: collateral ruled ineligible overadvance triggered no cure and loss of control. Tall stack of failures. Not there yet"  
[X Link](https://x.com/victaurs/status/1977403047245754528) [@victaurs](/creator/x/victaurs) 2025-10-12T15:56Z 4921 followers, 2925 engagements


"$JEF is not Bear. It is not Lehman. Those firms died from leverage and runnable funding. Jefferies problem is perception not solvency"  
[X Link](https://x.com/victaurs/status/1977731932952625421) [@victaurs](/creator/x/victaurs) 2025-10-13T13:43Z 4923 followers, 2609 engagements


"Even in a severe case $JEF could eat $300M in losses. That trims capital by 3%. Painful for earnings irrelevant for solvency"  
[X Link](https://x.com/victaurs/status/1977821641771192690) [@victaurs](/creator/x/victaurs) 2025-10-13T19:40Z 4923 followers, 1931 engagements


"When $GS is minting $2.66B in investment banking fees and FICC is humming on rates + mortgages it tells you something: capital markets arent dead"  
[X Link](https://x.com/victaurs/status/1978105883570720940) [@victaurs](/creator/x/victaurs) 2025-10-14T14:29Z 4923 followers, 1670 engagements


"A $200M loss at $jef cuts earnings by 23%. It stings but it does not touch solvency. The problem is not the hit. The problem is when investors start trading it like the hit is a black hole"  
[X Link](https://x.com/victaurs/status/1978840174495752277) [@victaurs](/creator/x/victaurs) 2025-10-16T15:07Z 4923 followers, XXX engagements


"Quiet fact: a lot of the regionals getting hit hardest are the ones with buyback engines revving $OZK $FCNCA Are there other names where management can play offense here"  
[X Link](https://x.com/victaurs/status/1979930131675107542) [@victaurs](/creator/x/victaurs) 2025-10-19T15:18Z 4923 followers, 22K engagements


"@LSigurd Earnings calls sound mundane because stress never shows up in the script. Regional banks only discover what they missed when depositors or markets force the rewrite"  
[X Link](https://x.com/victaurs/status/1980296001593459189) [@victaurs](/creator/x/victaurs) 2025-10-20T15:32Z 4921 followers, XXX engagements


"Funny how hedge funds call it risk management. Short puts on $KRE dealers forced to sell every bank name hammered. Thats not risk management. Thats mechanical panic"  
[X Link](https://x.com/victaurs/status/1980659592028991622) [@victaurs](/creator/x/victaurs) 2025-10-21T15:37Z 4923 followers, XXX engagements


"@zerohedge $ZION is not breaking it is bleeding. Charge offs more than double estimates tell you the stress is not in the future it is already on the books"  
[X Link](https://x.com/victaurs/status/1980670250355159250) [@victaurs](/creator/x/victaurs) 2025-10-21T16:19Z 4923 followers, XXX engagements


"The latest so called regional bank crisis looks more like a liquidity echo than a collapse. The full note covers $WAL $ZION $FHN $BPOP and more"  
[X Link](https://x.com/victaurs/status/1979187264375918612) [@victaurs](/creator/x/victaurs) 2025-10-17T14:06Z 4923 followers, 2765 engagements


"Doomers see $WAL headlines and scream collapse. Fundamentals say otherwise. Same with $ZION and $FHN. Question for you: which regionals look like buy the panic plays right now"  
[X Link](https://x.com/victaurs/status/1979554456632172580) [@victaurs](/creator/x/victaurs) 2025-10-18T14:25Z 4923 followers, 3099 engagements


"$ZION loses $50M. Market cap drops $1B+. Math is not the problem. Narrative is"  
[X Link](https://x.com/victaurs/status/1980675075998450033) [@victaurs](/creator/x/victaurs) 2025-10-21T16:38Z 4923 followers, XXX engagements