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[@victaurs](/creator/twitter/victaurs)
"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 4926 followers, 5179 engagements


"In this business credibility compounds faster than capital. $stne promised to cut loose its software arm and return excess cash to shareholders. The market doubted. Then they sold recycled XX% of their market cap into buybacks and lifted EPS XX% YoY. Thats discipline you dont often see in fintech and its why the stock rerated. At 14x trailing earnings and guiding to XX% EPS growth it still trades cheaper than slower peers. Sometimes the most asymmetric opportunities are hiding in plain sight not in hype but in boring discipline"  
[X Link](https://x.com/victaurs/status/1969116996014129458) [@victaurs](/creator/x/victaurs) 2025-09-19T19:10Z 4917 followers, 2413 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 4917 followers, 1699 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 4917 followers, XXX 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 4924 followers, 2753 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 4925 followers, 1215 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 4926 followers, 6848 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


"$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 4924 followers, 2314 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 4911 followers, 5826 engagements


"$klar IPO is being sold as the hottest thing in fintech. Thats your first warning. The network is big: 93m customers 675k merchants embedded at checkout with Stripe Worldpay and Apple Pay. The economics are thin: XXX% take rate vs Affirms 4%. To keep growing they need volume on volume. IPO math: $14B valuation at 5x revenue. XX% of shares sold are insiders cashing out. Thats not funding growth. For Klarna to look cheap at 2-3x sales it needs $180B-$220B in GMV. Thats 50-80% growth before you even break even on the multiple. The dream is an Amazon-style ecosystem: payments lending ads"  
[X Link](https://x.com/victaurs/status/1965138752973795802) [@victaurs](/creator/x/victaurs) 2025-09-08T19:42Z 4913 followers, 17.2K 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 4914 followers, 3784 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 4909 followers, 3361 engagements


"Two Estonians were tired of banks skimming spreads every time they sent money home. They hacked a better way. That hack became $WISE. Now its moving 145B a year and embedding into banks themselves"  
[X Link](https://x.com/victaurs/status/1970897575885799720) [@victaurs](/creator/x/victaurs) 2025-09-24T17:06Z 4909 followers, 1159 engagements


"$WISE isnt cheap at 89x sales. But show me another payments company with 20%+ margins referral-driven growth and banks embedding its rails. That scarcity is the premium"  
[X Link](https://x.com/victaurs/status/1971681181226717222) [@victaurs](/creator/x/victaurs) 2025-09-26T21:00Z 4909 followers, 1239 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 4909 followers, XXX engagements


"$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 4911 followers, 1108 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 4914 followers, 1460 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 4911 followers, XXX engagements


"Liquidity not fundamentals drives this tape. Thats why $AFRM can rip on vibes and $KLAR can tank even with growth. Timing trumps logic"  
[X Link](https://x.com/victaurs/status/1974531281552900569) [@victaurs](/creator/x/victaurs) 2025-10-04T17:45Z 4911 followers, XXX engagements


"dLocal is proof that the edge isnt always about building better tech. Sometimes the edge is willingness. Stripe and Adyen went global. dLocal went frontier. Nobody else wanted to. That willingness created a toll booth for billions of consumers"  
[X Link](https://x.com/victaurs/status/1974913731026190730) [@victaurs](/creator/x/victaurs) 2025-10-05T19:05Z 4909 followers, XXX engagements


"$FOUR is building rails in the US $DLO is exporting rails abroad the choice is whether you want to bet on saturation or expansion"  
[X Link](https://x.com/victaurs/status/1975978465510949278) [@victaurs](/creator/x/victaurs) 2025-10-08T17:35Z 4911 followers, 1258 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 4911 followers, 7636 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 4911 followers, 2240 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 4911 followers, 1073 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 4916 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 4914 followers, 1035 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 4911 followers, 1593 engagements


"$JPM JPMorgans loan book Still growing. Credit costs Contained. Capital Rock solid. Doomers calling systemic risk must be reading from 2008 scripts"  
[X Link](https://x.com/victaurs/status/1978120032715431957) [@victaurs](/creator/x/victaurs) 2025-10-14T15:25Z 4914 followers, 2241 engagements


"@zerohedge Translation: $WFC is in subprime just not knee-deep. Credit risk doesnt care how far you wade when the tide goes out"  
[X Link](https://x.com/victaurs/status/1978195925706190947) [@victaurs](/creator/x/victaurs) 2025-10-14T20:27Z 4911 followers, XXX engagements


"Lehman was levered 30x on Level X sludge. $GS is levered 12x with daily margined trading books. Stop the cosplay"  
[X Link](https://x.com/victaurs/status/1978473514475847978) [@victaurs](/creator/x/victaurs) 2025-10-15T14:50Z 4913 followers, XXX engagements


"Wealth AUM at $2.47T up 8%. Doomers screaming deposit flight while Wells quietly grows wealth"  
[X Link](https://x.com/victaurs/status/1978483504523739215) [@victaurs](/creator/x/victaurs) 2025-10-15T15:30Z 4912 followers, XXX engagements


"$JEF is not Bear and not First Brands either but the market punishes any whiff of opacity the same way. Trust trades at a discount once burned"  
[X Link](https://x.com/victaurs/status/1978849384260374849) [@victaurs](/creator/x/victaurs) 2025-10-16T15:43Z 4912 followers, 1315 engagements


"The danger with Jefferies is not insolvency. It is opacity. When markets cannot see the detail they fill in the blanks with fear"  
[X Link](https://x.com/victaurs/status/1978852992242548882) [@victaurs](/creator/x/victaurs) 2025-10-16T15:58Z 4914 followers, 1043 engagements


"Calling AI capex sustainable because it is a small share of GDP is like calling a bubble safe because it fits inside the economy. Scale isnt the issue cyclicality is"  
[X Link](https://x.com/victaurs/status/1978854691317375299) [@victaurs](/creator/x/victaurs) 2025-10-16T16:04Z 4912 followers, 1545 engagements


"$kre turned regionals into a macro trade not a fundamentals trade. Shorts arent betting on banks failing theyre betting on structure breaking"  
[X Link](https://x.com/victaurs/status/1978855998979723465) [@victaurs](/creator/x/victaurs) 2025-10-16T16:10Z 4911 followers, 5223 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 4910 followers, 1906 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 4914 followers, 2717 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


"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 4924 followers, 4880 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 4924 followers, XXX 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 4925 followers, 2844 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 4926 followers, 2077 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 4926 followers, 3018 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 4926 followers, 2363 engagements