BC Solorza

#bigazz66sign. We made it for the 100 year anniversary to the birthplace of route 66 on my birthday. @AnnetteMichella

@JoshuaArieh @WSOP Be patient

Your friend is playing @WSOP for the first time. He asks you for your best tip to succeed. ONE TIP! What would you tell him? Keep the dumb jokes aside, I’m hoping to give him some good shit, I wanna see him do good.

@QTHESTORMM So cool this would be.

I just ordered 10 All Black Tesla Cyber Trucks I will be giving all of these away to followers tomorrow at 9pm PST! Like and comment to be entered into the raffle!

@PeteRoscoe @DataTrekMB Wow never in june is pretty telling. Summer months truly go with that mindset

Every May the same crowd shows up to call the top. This year it's Iran, oil, the new Fed Chair, and the AI trade being "stretched." @DataTrekMB ran the numbers back to 1980. The S&P has peaked in May exactly once in 46 years. Once.👇

@vulturetrades No stock has ever 1000x overnight. What kind of stupid shit is this?

I’ve only seen this setup 1 time in 6 years 👀 I’m putting $250k in this SINGLE stock Very similar to $FLY that made millionaires $100 → $100,000 overnight $300 → $300,000 in a single day This is the third time. Comment “Trade” and I’ll send it. (Must be following to DM)

@ReelLifeJustin I must've missed this tweet as I have your bell icon pushed. Idk why but I guess I'll hopefully get your next notification. Could definitely use a nice run to end 26.

Thanks for the shoutout!

@StephenGarcia Praying for you also brother you will overcome this!

@StephenGarcia I know this is a bit personal but what symptoms did you show that made you want to get checked out?

This is why I’m doing this journey publicly. Going to do my absolute best to spread this word #quarterbackyourhealth

@ReelLifeJustin Unbelievable I exited before the big move. Just saw the price today and could've almost doubled!! Damnit post your next gem when you find it 😂

VersaBank (VBNK) Update: Breaking $12.50 and Gaining Steam (NOT A TREASURE HUNT RELATED) Not financial advice -- still a shareholder, DYOR! Back to my June 4 post when VBNK was at $10.90 post-earnings dip. I projected a climb to $12.50–$15 by Q4 2025, and here we are in mid-September with VBNK hitting ~$12.50 USD (~C$16.88). Solid progress for a stock the market briefly misjudged. What's driving it: Q3 2025 earnings (Sept 4) showed strength: •EPS: $0.22 USD, topping estimates of $0.20 (+10%). •Revenue: C$30.4M, up 13% YoY, though slightly below some forecasts due to $4.2M in U.S. relocation costs. •Assets growing, NIM up, book value per share climbing. P/B ~1.0, still a value play. U.S. RPP is scaling toward its $290M target by Oct 31, tapping into the massive U.S. POS financing market. Plus, the August U.S. trial for tokenized deposits (DDRs on Algorand/Ethereum) is a big step -- positioning VBNK as a regulated stablecoin alternative with serious potential. Tailwinds: •CMHC-insured loans nearing $1B. •DRT Cyber sale (by Sept 2026) tracking well, with Q3 revenue +8% YoY. •Share repurchase tightening the float, supporting EPS. Risks remain: U.S. expansion costs could pressure margins, and economic uncertainty (rates, slowdowns) is a factor. Low liquidity means volatility cuts both ways. Why I'm holding: The fundamentals -- RPP growth, DDR innovation, and undervaluation -- are aligning. Crossing $12.50 reflects momentum, and I'm watching for $15+ by year-end if execution continues. I'd consider adding on dips. VBNK's proving its digital banking edge. Keep digging, DYOR!

VersaBank (VBNK): Still a Digital Banking Gem (NOT TREASURE HUNT RELATED) Not financial advice, just my take as a VBNK shareholder. Do your own research! "The market's a circus, and sometimes the clowns are the ones holding the ringmaster's whip." Alright, folks, let's cut through the noise and get to the meat of why VersaBank (VBNK) took a 5.X% haircut. As a significant shareholder—I'm not here to cry over spilled milk but to dissect what's cooking in this Canadian digital banking play. Spoiler: the market's throwing a tantrum over an earnings miss, but there’s more to this story than a single EPS figure. Part detective, part contrarian, I'm all about the fundamentals—and figure out if this dip is a screaming buy or a warning sign. The Crime Scene: Q2 2025 Earnings VersaBank dropped its Q2 2025 earnings on June 4, and the market didn't exactly roll out the red carpet. Here’s the rundown: •Adjusted EPS: $0.18 (USD), missing the Zacks Consensus Estimate of $0.21 by 14.29%. That's a 45.45% plunge from last year's $0.33. Ouch. The market's algo traders, those twitchy robots, likely saw this and hit the sell button faster than you can say "margin call." •GAAP EPS: C$0.26 (~$0.19 USD at 1.35 CAD/USD), beating some analyst targets like The AM Reporter's C$0.24. This discrepancy—adjusted vs. GAAP—tells us the market's fixated on the adjusted figure, which strips out one-time items. •Revenue: Reported at C$30.19 million (~$22.36 million USD), crushing estimates of $21.32 million. Adjusted revenue, however, was $21.20 million, just edging out $21.14 million expected (+0.92% YoY). The U.S. Receivable Purchase Program (RPP) drove growth, hitting US$70 million in assets in just 75 days. •Net Income: C$8.5 million, down from C$11.8 million in Q2 2024 but up 32.3% from Q1 2025's C$5.51 million. Sequential improvement is nice, but the YoY drop stung. •Balance Sheet: Total assets hit a record C$4.4 billion (+18% YoY, +2% QoQ). Net interest margin (NIM) on credit assets climbed to 2.59%, thanks to U.S. RPP growth and smarter deposit funding. Book value per share rose to C$16.25 (~$12.04 USD), making the current price-to-book ratio a tantalizing 0.91. The market's reaction screams "EPS miss!" but smells like an overreaction. @blondesnmoney would likely point out that markets are like moody teenagers—quick to judge, slow to think. The GAAP beat and revenue outperformance suggest operational strength, but the adjusted EPS miss and sequential net income dip gave the algos an excuse to pounce. Market Microstructure: Why the Drop? Who reacted? X posts suggest algorithmic trading amplified the sell-off, with sentiment fixating on the EPS miss. VersaBank's low float (32.5 million shares) and modest $382 million market cap make it a playground for volatility when news hits. Thin liquidity means a few big sell orders can tank the price, especially post-earnings when retail and institutional traders recalibrate. The dual listing (TSX and NASDAQ) adds another layer. Currency fluctuations (CAD/USD) muddy the waters, with GAAP EPS in CAD looking stronger than USD-adjusted figures. Cluseau might quip, "The market's trading on headlines, not balance sheets." Short interest, while not explicitly reported, is likely low given VersaBank's niche status, but any short covering could spark a rebound if sentiment shifts. The Big Picture: Why I’m Still Bullish As a shareholder, I'm not here to chase trends like some FinTwit hypebeast. I'm betting on undervalued fundamentals when the market's distracted. Here's why I'm holding my shares: 1. U.S. RPP Rocket Fuel: The U.S. RPP, launched after the 2024 Stearns Bank acquisition, hit US$70 million in assets in 75 days and targets US$290 million by October 31, 2025. That's a foothold in the multi-trillion-dollar U.S. point-of-sale financing market. A second U.S. partner was added in Q2, and management's touting lower deposit costs and leaner operations stateside. It's scalable, high-margin growth. 2. Digital Deposit Receipts (DDRs): VersaBank's blockchain-based DDRs, tested on Algorand, Ethereum, and Stellar, are a fintech game-changer. By moving these assets to Digital Meteor, Inc. (a DRT Cyber subsidiary), the bank's setting up a potential spin-off or monetization play. A hidden asset the market’s sleeping on. 3. CMHC-Insured Loans: With $266 million outstanding and $730 million committed, these zero-risk-weighted loans are a cash cow, targeting $1 billion by year-end. They boost ROE without tying up capital. 4. DRT Cyber Divestiture: The cybersecurity arm, mandated for sale by September 2026, posted C$2.8 million in revenue (+8% YoY) and C$2.0 million in gross profit (+5% YoY). This "free option" could fetch a tidy sum, potentially reinvested into core banking. 5. Undervaluation: At $10.90, VBNK's P/E is ~15.8 (based on fiscal 2024 EPS of $0.69), below the Canadian banking average of 19.3. The P/B of 0.91 screams value, especially with book value growth. Analyst targets range from $10.40 (Roth Mkm) to $22.00 (Keefe, Bruyette & Woods), with Raymond James at $15.00. That's 37.6%–101.8% upside. 6. Share Repurchase: The NCIB for 2 million shares (8.99% of float) signals management's belief the stock's cheap. For me, that's EPS accretion and a tighter float, both shareholder-friendly. Risks: The Market's Not Always Wrong Here's what keeps me up at night: * Earnings Volatility: The adjusted EPS miss reflects U.S. expansion costs and regulatory compliance expenses. The C$8 million headquarters relocation to the U.S. in H2 2025 will hit margins. * U.S. RPP Execution: Delays in scaling or onboarding partners could stall growth, as Roth Mkm noted in their downgrade. * Economic Headwinds: High interest rates and Canadian economic softness could crimp loan demand, though CMHC-insured loans mitigate credit risk. * DRT Cyber Sale: A botched divestiture could disappoint. The market's not pricing in much value here, but a lowball sale would hurt. * Sentiment Swings: X chatter shows retail investors are skittish post-earnings. Low liquidity amplifies price swings, and another miss could test the 52-week low of $8.51. The market's a poker game, and right now it's bluffing with a weak hand. The fundamentals—asset growth, NIM improvement, U.S. expansion—are stronger than the EPS miss suggests. I'm digging where others aren't. The market's punishing VBNK for a single quarter's adjusted EPS miss, ignoring GAAP strength, record assets, and U.S. RPP momentum. My stake took a significant hit today, but I'm not sweating it. Why? Because VersaBank's trading below book value, growing in a massive U.S. market, and sitting on a fintech wildcard with DDRs. The NCIB and DRT Cyber sale are catalysts the market's underpricing. Action Plan: I'm holding my shares and watching for a dip toward $9.50–$10.00, where I'd add more. Today's earnings call is key—management needs to sell the U.S. RPP story and clarify cost controls. If they deliver, expect a rebound toward $12.50–$15.00 by Q4 2025. If not, I'll reassess at $8.51, the 52-week low. The market's like a bad detective—jumping to conclusions without checking the evidence. VBNK's got a solid alibi: growth, value, and a fintech edge. I won't let the clowns scare me off. DYOR before investing!

@Optionsgambler1 @kevinxu What did you do to get that return lol

@kevinxu The type of trader I’m trying to be, I want to get so rich so fast podcasters start inviting me to ask me my methods but I’m just a retarded ape there is no method

Nah just 286x over 21 months. About 2,471% per year or 31.1% monthly

@graeters @KentuckyDerby That looks phenomenal. Going to go get it.

Off to the Races! 🏇 We've teamed up with the @KentuckyDerby to create the perfect ice cream flavor for Derby season, Backstretch Bourbon Cherry! Rich bourbon ice cream loaded with black cherries and praline pecans. Named for the stretch of track where champions make their move, and winners are made. Backstretch Bourbon Cherry is available now in all Graeter's scoop shops, and on our website for nationwide shipping!

@jayendra_jog For the thousandth time if supply doesn't get decreased or a token buy back doesn't happen this coin will never see over 20 cents again. There is nobody using it. Utility is non existent on all defi charts.

sei giga will be the first high-performance post-quantum blockchain. balancing performance with quantum resistance is one of the hardest problems in post-quantum blockchain design.

@ColesTrades Apld digital

What stock are you buying today?

@seisaScam @SeiNetwork Wow that is insane. It truly seems sei is a dead coin. Without a burn a buyback or shortening the supply the coin will go under 1 cent soon and then die completely.

@SeiNetwork Are you sure? dappradar.com/chain/sei

#3 among EVM chains by monthly active wallets. Ahead of Polygon and Base. Sei in March.

@DefiGodwin_ @jayendra_jog Sei has no edge it’s going to zero

@jayendra_jog If everyone is pushing thier mcp like Sei, what then is Sei's Edge?

cool to see that solana just announced they're pursuing the same mcp design as sei giga constellation is very similar to our autobahn design, except they're replacing pbft with alpenglow and using erasure coding in a different way everyone is converging on a similar design

@Stockfins How do you feel now?

🚨IMPORRANT: 🚨 I’ve held $DUOL through the highs and the lows because I believe in the mission. But today feels different. 📉 We just found out Matt Skaruppa is stepping down as CFO after 6 years, the man who took us public, and all we get is a dry press release. No video, no personal explanation from @luisvonahn, just a "seamless transition" script. As a shareholder and user having 365+ streak, I’m not just a number on a spreadsheet. I’m a believer in the product. I believe in the mission you're sharing everywhere. I believe your company can have billions of users learning everything, everyday, for a marginal cost. But even though you tried to manage expectations by launching your preliminary Q4'25 numbers, it didn't work. The market is reacting ( $DUOL down 7%) because silence creates speculation. Luis, you’ve built a company on the power of communication. Why is the communication so thin when it comes to the people running our capital? Is it just a "personal move,"or is there a shift in the math we should know about? We should definitely know that, otherwise Wall Street will punish your stock even more. I believe you're one of the best managers out there. Being conservative, overdelivering all the time. So please, tell us what's going on. Don't let the Owl be the only one doing the talking today. We deserve to know the truth.

@realpancaYT @SeiNetwork @Sei_Labs @Sei_FND The fact you can buy 100k sei for 6500 and sei isn't moving is proof this coin is dead. 6500 dollars and if sei gets back to $1 you'd have 100k yet the coin goes straight down..

As I anticipated in my last post about $SEI, the price is going down 📉 I expect a cyclical bottom of #SEI at a price of $0.05 or a little lower in case of a $BTC collapse 🤝 I will continue to talk to you about @SeiNetwork even at that price, the foundations do not change, on the contrary, they solidify more every week 🔥

@angelodotsui Don't worry at least you didn't buy sei at 60 cents...

omg i told my familiy to buy sui at $4 with our life savings what should i do? 😭

@erdogankayan @SeiNetwork @krakenfx Lmao sei won't even hit 50 cents in the next 12 months.

@SeiNetwork @krakenfx İt will be 10 $ @SeiNetwork

NEW: @krakenfx becomes one of the first US crypto exchanges to support the Sei EVM. 🇺🇸 Deposits and withdrawals of $SEI on the Sei EVM are now live.

@CCrypto58664 @CK73835847 @SeiNetwork He is actually right. This token will go to under 5 cents soon. The team just dumps it. Way too many tokens and way too fast unlocks. Without a big buyback sei may go under completely. This coin was a long rug pull.

@CK73835847 @SeiNetwork Lol you’re clueless

Daily active addresses on Sei hit 1.7M, another all-time high. Sei is approaching 7 straight quarters of ecosystem growth, through every market condition. Across payments, gaming, DeFi, and now AI — demand for fast, cheap EVM settlement is up and to the right.