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R. Christopher Whalen

Oct 97 min read

Citigroup + (Cenlar - Black Knight) = ?

The Citi decision to exit mortgage servicing perhaps made sense in 2017, but today not so much.

415 views

R. Christopher Whalen

Oct 78 min read

Chairman Powell Jumps the Shark

The markets got their rate cut over the past six months and now may have to give some of that back.

851 views

R. Christopher Whalen

Oct 16 min read

The Bull Case for Large Banks

If you believe that there is no recession coming in 2025, what is the logical response from an informed investment professional?

605 views

Jim Rickards: The Treasury Should Buy Gold

R. Christopher Whalen

Sep 307 min read

Jim Rickards: The Treasury Should Buy Gold

The Treasury should begin to buy gold again to demonstrate that the dollar is real.

2,152 views

R. Christopher Whalen

Sep 246 min read

Update: Our Top Five Ideas

How will the sudden shift in Fed policy impact financials? Are we headed for a recession?

654 views

GSE Release Under Trump? Post-Rate Cut Margin Calls??

R. Christopher Whalen

Sep 228 min read

GSE Release Under Trump? Post-Rate Cut Margin Calls??

Why should a private Fannie Mae be a 20% risk weight under Basel III, but PFSI or Mr. Cooper (COOP) are 100%?

476 views

R. Christopher Whalen

Sep 194 min read

Powell FOMC Goes Big and Political

If President Donald Trump wins in November, he’ll be more than justified in demanding Jerome Powell’s immediate resignation.

981 views

R. Christopher Whalen

Sep 162 min read

IRA Bank Book Q3 2024 Industry Survey

The Q3 interest rate rally still leaves the industry with a negative capital position since the average securities yield is only 3%

367 views

WGA Bank Top 100+ | Large Banks Retreat, Small Banks Rise

R. Christopher Whalen

Sep 115 min read

WGA Bank Top 100+ | Large Banks Retreat, Small Banks Rise

The big story nobody is discussing is the fact that large banks led by JPM, BAC and TFC continue to sell off briskly

424 views

R. Christopher Whalen

Sep 99 min read

Powell FOMC Folds on Inflation

As the federal debt rises, bank reserves must rise as well and with it inflation.

1,516 views

Banks: Passive Strategies Lag Active Management

R. Christopher Whalen

Sep 45 min read

Banks: Passive Strategies Lag Active Management

In the third quarter of publishing the Indices, so far picking quality banks seems to matter more than following the passive ETF herd

466 views

Recession? Consumer Lenders: AX, AXP, ALLY, Barclays, COF, SOFI, SYF

R. Christopher Whalen

Sep 212 min read

Recession? Consumer Lenders: AX, AXP, ALLY, Barclays, COF, SOFI, SYF

Axos continues to rebound after the bear raid by Hindenburg Research. AX ranked 18th in the WGA Bank Top Index in Q3 2024 vs 98th for SOFI

720 views

Universal Banks: Should TD Buy Schwab & Sell Its US Operation?

R. Christopher Whalen

Aug 257 min read

Universal Banks: Should TD Buy Schwab & Sell Its US Operation?

SCHW needs to take advantage of their strong operating leverage and repair some needless damage done during COVID by inept bank management.

719 views

R. Christopher Whalen

Aug 217 min read

New & Old Names in Nonbank Finance

In dollar terms, the moves in 2023 were tiny vs the post March rally in 2020.

476 views

The Top Seven Banks: JPM, BAC, C, WFC, USB, PNC & TFC

R. Christopher Whalen

Aug 189 min read

The Top Seven Banks: JPM, BAC, C, WFC, USB, PNC & TFC

Banks lose money every single day by holding onto a below market security from the 2019-2021 period.

691 views

R. Christopher Whalen

Aug 136 min read

Bank of Nova Scotia + KeyCorp = ??

If you were really, REALLY going to do mortgage warehouse lending in today's market, KEY would be the better platform, not BNS.

547 views

The Powell Hedge Fund Drives Private Market Instability

R. Christopher Whalen

Aug 127 min read

The Powell Hedge Fund Drives Private Market Instability

In 2019, the FOMC essentially nationalized the US money markets, eliminating private price discovery for a representation of a market.

879 views

R. Christopher Whalen

Aug 86 min read

Market Volatility and Loan Defaults

The market tantrum which began on Friday was largely over by the market close on the following Tuesday.

1,181 views

Wine, Grapes & Inflation; WGA Bank Top 50 Index Q3 2024

R. Christopher Whalen

Aug 55 min read

Wine, Grapes & Inflation; WGA Bank Top 50 Index Q3 2024

The WGA Bank Top 50 is, well, the top half of the population, but far better in quality than the bottom quartile.

652 views

Stocks Swoon, Retail Credit Rises: PYPL, SQ & ARES

R. Christopher Whalen

Aug 28 min read

Stocks Swoon, Retail Credit Rises: PYPL, SQ & ARES

The rotation away from institutional investors to retail funding source for the $1.7 trillion direct lending market is an ominous sign

601 views