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Full analysis of the top 190 U.S. banks using ROTCE, TBVPS, EPS growth, and AI insights.
Names to buy, fade, and watch through 2026.
The Smart Money's Bank Playbook
For The Next 18 Months
Bank Update: Some Top 10s, Some Not Top 10s, & Hidden Value to Be Uncovered
Short & sweet today.
A Great Set Up in The Caribbean Sunshine
After nearly 20 years in the financial trenches, I've seen it all.
9 Trends Mostly in Banks Both Here and Overseas
Coming up for air on a great quarter for financials, cyclicals, and banks (except in Japan)
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
"Victaurs is on a generational run in financials and banks!"
@Citini7
🔘 X Account
"Victaurs brings unmatched positivity and insight every day!"
@shorbus_ace
🔘 X Account
"Victaurs insights are spot-on, and the humor lands every time"
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The Bank Charter Wars: How Circle, Erebor, and the Fed Are Rewriting Money Moves
Behind the scenes of a financial power shift where stablecoins, Fed access, and VC-backed banks are quietly fighting for control of the future of money.
Stablecoins: The Dollar Shouldn't Sleep
The only primer you need to read to learn that while the old system sleeps, new rails are being laid: faster, cheaper, and always on. Sooner or later, the incumbents will feel the pressure.
The $11.6 Billion FinTech Tollbooth
What you're really buying with Chime
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
So You Missed Nubank at $5?
Don’t Miss What’s Coming for StoneCo and PagSeguro in Brazil. A vibes dive, looking at PIX, the competitive landscape
Top 40 Cheapest Banks - A Contrarian's Dream
By Current P/TBV and ROTCE Implied Valuation
The Big Money Shift: Hidden Global Market Trends, Flows You Can’t Afford to Ignore, And Trump's Effect
Macro thoughts, the U.S. vs. ROW, a dive into Euro Banks, U.S. flows, ROW flows, and my thoughts on what Trump reall
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio I’d Build Right Now if I Wanted to Beat the Market
A dive into banks. All banks. And nothing but banks.
Idea List: TBV/S Grower Screen
Screening for banks that pass Dimon's test of value creation.
Nubank: A Post Earnings Crash & What Everyone Is Missing
Recent vibes, an 8 quarter look back, the FX blame game, NIM compression, expansion report, the defensive pivot
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
So Apparently Affirm Wasn’t Dead After All
The hardest thing in markets, and in life, is to keep growing. Growth demands courage, because to stretch means to risk falling short. But Carol Dweck’s growth mindset teaches us that the fall isn’t failure unless you refuse to get up.
Originate to Sell: The Fragile Foundation of Upstart’s Revenue Surge
When the tide’s coming in, everything floats and in bull markets blind monkey’s can throw darts and hit bullseye’s. SPACs with no revenue. Meme stocks with no plan. Mortgage companies left for dead. Retail department stores with high short interest.
The Fair-Value Flywheel: SoFi’s Greatest Strength and Its Darkest Shadow
There’s an odd type of investor & human in this life. The one that associates so deeply, so strongly with their positions that any comment made, feedback given, any dissent implied
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
Complexity made simple. Alpha made clear.
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The Smart Money's Bank Playbook
For The Next 18 Months
Latest X Posts
Victaurs
@victaurs.
Schwab makes you fill out 7 forms just to change a beneficiary.
$HOOD gives you a 3% IRA match… from your phone… in 90 seconds.
The old guard deserves to lose.
Victaurs
@victaurs.
Valuations?
$NU: ~25x earnings
$MELI: ~60x
$STNE: ~7x
$PAGS: ~5x
Two of these are priced for perfection. Two are priced like they’re dead.
They’re not.
Victaurs
@victaurs
$APO ›
Apollo earns over $1.2 billion in fee-related earnings per quarter and expects to grow FRE more than 15 percent annually.
Structured credit engine. Insurance float. Forward multiple around 10 times. Too boring for most. Too complex for others.
You into it or not?
Victaurs
@victaurs
The average Schwab client has $250K in assets. $HOOD’s average is $9K.
But you know what’s growing faster? The $9K.
Latest Videos
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
The Bank Portfolio...
A dive into banks. All banks and nothing but banks
"As someone who has spent a decade around bank investing with countless resources, I was skeptical of the potential benefit from a product such as Victaurs. That skepticism proved to be nothing short of foolish. The ability Victaurs has to combine niche banking topics with an approachable style has proved to be a resource I would struggle to give up. My process is better because of my subscription. Existing in a world of in-depth company and industry analyses it is often difficult to step back and think more holistically about topics or trends. Victaurs provides a resource and serves as a reminder to do just that. Not only do I enjoy the writing and content, but it truly has improved by ability to think about bank investments. Describing myself as a happy customer would be an understatement and I think you will be as well."
🔘 Anonymous Wealth Management Professional
"Victaurs consistently delivers the sharpest research on banks and financials. His work is data-rich, well-timed, and always ahead of the curve. What sets him apart is his ability to uncover asymmetric opportunities others overlook—whether it’s in regulatory shifts, capital structure dislocations, or macro-driven setups, most recently being Brazil fins and prior in Europe. If you’re serious about financials, his work is a must-follow."
@eliant_capital
🔘 X Account
Hey just wanted to take a sec to thank you for for all the insight and commentary / articles you’ve provided over the last couple months. Been a really tough market at times and you’ve helped me navigate it in a calming and intelligent way. Appreciate not just the great stock picking but have just learned a ton in general about market dynamics which is equally important. Really looking forward to more content from you. Cheers.
🔘 Anonymous Subscriber
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