金吾财讯 | 中信证券表示，经营格局稳定，配置价值延续。下周步入三季报密集披露期，预计上市银行息差和资产质量格局稳定，前三季度营收与归母净利润有望分别同比+7.2%/+3.2%（2026年上半年分别为+7.4%/+3.0%），盈利边际占优的银行或主要集中于两条线：1）量价平衡表现更好同时受益于大型科技企业上市的部分大型银行；2）三季度受益于交易性债券收益且资产质量压力较小的部分优质中小银行。
该机构认为，银行股短期受资金影响波动加大，但中期方向受基本面及配置型资金牵引，板块有望从“高股息防御资产”向“高确定性权益资产”重估，全年仍将演绎估值上行方向。
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