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[@unciacapital](/creator/twitter/unciacapital)
"Based on some interesting messages decided to compile my thoughts on $BHF. Hopefully thought provoking. Enjoy"  
[X Link](https://x.com/unciacapital/status/1970661243687182651) [@unciacapital](/creator/x/unciacapital) 2025-09-24T01:27Z 3888 followers, 8146 engagements


"$BHF will they sell They should but the CEO makes $10mm/yr. $10MM/FUCKING YEAR for a -XXX% CAGR since spin. And the CIC is roughly $24mm = XXX yrs of comp. A XX year-old CEO; could run it for X more years and make $50mm. he literally makes more money hanging around"  
[X Link](https://x.com/unciacapital/status/1969115283563438513) [@unciacapital](/creator/x/unciacapital) 2025-09-19T19:04Z 3840 followers, 9413 engagements


"$FICO just threw down a new pricing model; essentially going direct to resellers in mortgage channel & taking more of the economics circumventing the bureaus $EFX and $TRU $EXPN Brilliant strategic move IMO"  
[X Link](https://x.com/unciacapital/status/1973524187504582846) [@unciacapital](/creator/x/unciacapital) 2025-10-01T23:03Z 3845 followers, 14.1K engagements


"Credit scores represent a small % of the total cost of origination. Paying $XX for FICO or $XXXX for VS it's not a v large %. You need to take the cost of switching from FICO to VS into account which is substantial; just the score px doesn't matter. $FICO $EFX $TRU $EXPN"  
[X Link](https://x.com/unciacapital/status/1975681129324626087) [@unciacapital](/creator/x/unciacapital) 2025-10-07T21:54Z 3840 followers, 11K engagements


"Think about it this way $FICO is okay "losing" the price sensitive part of the market for a XXX% increase in price. You'd take the deal all day. CBs win price-sensitive parts of the market and "take share". Once again Lansing has proven IMO to be a strategic genius"  
[X Link](https://x.com/unciacapital/status/1975697839130091542) [@unciacapital](/creator/x/unciacapital) 2025-10-07T23:00Z 3840 followers, 14.1K engagements


"I believe getting the $EFX action out of the way is what's called a "clearing" event. So anyone waiting on the sidelines now can evaluate if they want to be long $FICO here. All I'll say is that it's not much of a "price war" when one company takes UP pricing 100%"  
[X Link](https://x.com/unciacapital/status/1975922184368296369) [@unciacapital](/creator/x/unciacapital) 2025-10-08T13:52Z 3840 followers, 1872 engagements


". a loss NOT First Brands NOT TriColor. SOMETHING ELSE (Cockroach). Then speculation on $WAL as well. Additionally fins pods usually trade insurance as well and insurance is supposed to be "defensive". Well today $MMC reported - weak organic so -7%. So of course a pod is "  
[X Link](https://x.com/unciacapital/status/1978829868293849440) [@unciacapital](/creator/x/unciacapital) 2025-10-16T14:26Z 3841 followers, XXX engagements


". NOT running long only but $FHN was a consensus and popular long on a takeout and insurance as well people are long brokers. So this is IMO correlated deleveraging given the speed of the move. We'll see"  
[X Link](https://x.com/unciacapital/status/1978830193780252885) [@unciacapital](/creator/x/unciacapital) 2025-10-16T14:27Z 3840 followers, XXX engagements


"@Chartfest1 Correct. $ZION cockroach (not First Brands & Not TriColor) so something new. Has everyone spooked + $FHN people thought they would sell (CEO said they might buy). And now $WAL and $BANC exposed as well to same cockroaches as $ZION. Elevator down day in regionals"  
[X Link](https://x.com/unciacapital/status/1978885839800221752) [@unciacapital](/creator/x/unciacapital) 2025-10-16T18:08Z 3841 followers, XXX engagements


"Tough way to make a living trying to bet on the next bank deal; $FHN CEO said they might do a deal (as an acquirer); quarter was fine but wow stock totally rolled over and now down 13%. That's called Multi-strat crowding FWIW and I think affecting the sector as folks de-risk"  
[X Link](https://x.com/unciacapital/status/1978486539932823898) [@unciacapital](/creator/x/unciacapital) 2025-10-15T15:42Z 3876 followers, XXX engagements


"Oh boy those banks. so interesting. So LC banks were fine; commentary was fine. So why the carnage. Dimon's cockroach comment first but you also saw $FHN CEO talk about buying another bank; folks were hoping they would sell (v v dumb thesis IMO); then $ZION last night with"  
[X Link](https://x.com/unciacapital/status/1978829411861299318) [@unciacapital](/creator/x/unciacapital) 2025-10-16T14:24Z 3878 followers, XXX engagements


"During the regional bank freak-out I sold my ITM PUTs bought previously on $FCNCA. Why The stock was trading below book value and there's a substantial buyback. This morning's print: they are buying back stock at the high end of their range and SVB loan growth. +16.6% YoY"  
[X Link](https://x.com/unciacapital/status/1981341656281440565) [@unciacapital](/creator/x/unciacapital) 2025-10-23T12:47Z 3889 followers, XXX engagements