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能力强、负债端成本改善空间大、资产质量拐点确立、市值管理积极等优势的个股,将带来显著超额收益。

场走向成熟、上市银行更加注重投资者回报的重要标志。从历史数据来看,银行分红对银行股股价有明显支撑,推动板块估值向合理区间回归,也吸引保险资金等对股息敏感的资金持续加仓银行股。  国泰海通证券预计,2026年银行板块个股估值将从收敛转向分化,具有资产端信贷需求获取能力强、负债端成本改善空间大、资产质量拐点确立、市值管理积极等优势的个股,将带来显著超额收益。

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