Q4 Earnings | Big Banks & QE
In the short-run rising interest rates and spreads will help bank earnings. But where is the next credit hot spot?
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The Institutional Risk Analyst
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Banks | Markets | Fintech
Christopher Whalen
R. Christopher Whalen
- Jan 4, 2022
- 6 min
Mortgage Crises Yesterday and Today
As we move into Q4 2021 earnings, keep your eyes peeled for news of restructuring of urban commercial commercial and multifamily properties
779 views
R. Christopher Whalen
- Sep 20, 2021
- 11 min
The IRA Bank Book | Q3 2021
In the Q3 2021 edition of The IRA Bank Book, we document the slow destruction of US bank asset and equity returns by the FOMC.
355 views
R. Christopher Whalen
- Sep 9, 2021
- 6 min
The IRA Top Ten Financials
Which US financial will best weather the coming equity market correction?
383 views
R. Christopher Whalen
- Aug 27, 2021
- 9 min
Profile: PNC v U.S. Bancorp v Truist Financial
U.S. Bancorp, PNC and Truist Financial hold great value creation potential. But which is likely to realize this potential?
366 views
R. Christopher Whalen
- Jul 23, 2021
- 5 min
Profile: Bank of America (BAC)
BAC is the worst performing bank in the top-five US commercial banks and often underperforms the average for Peer Group 1.
268 views
R. Christopher Whalen
- May 4, 2021
- 6 min
Profile: NYCB + Flagstar Bancorp
The combination of New York Community Bank and Flagstar creates an $85 billion bank with a national mortgage business
473 views
R. Christopher Whalen
- Apr 12, 2021
- 6 min
Forbearance, Shrinking NIM & Prepayments Menace US Financials
Simply stated, US banks are twice as expensive as they were a year ago looking at earnings and assets....
840 views
R. Christopher Whalen
- Apr 5, 2021
- 13 min
Update: Commercial, Residential Loans & MSRs
We continue to believe that issuers and funds should be accumulating conventional servicing. Rates bottomed in February...
412 views
R. Christopher Whalen
- Mar 25, 2021
- 7 min
Update: Q1 2021 Bank Earnings
US banks are running at income levels that are less than half of a year ago...
310 views
R. Christopher Whalen
- Feb 3, 2021
- 6 min
Profile: Bank OZK -- It's All About the NIM
Significantly, OZK predicts shrinking CRE loan volumes in 2021....
400 views
R. Christopher Whalen
- Jan 29, 2021
- 8 min
Update: Commercial & Residential Real Estate, MSRs
Most of midtown Manhattan’s offices and other structures are unused. Commuter volumes are 10% of pre-COVID levels.
723 views
R. Christopher Whalen
- Jan 17, 2021
- 5 min
Q4 Earnings Update: JPM, Citi & WFC
Unless the FOMC relents and eases up on its massive purchases of Treasury securities and MBS, bank earnings are likely to decline further
299 views
R. Christopher Whalen
- Jan 4, 2021
- 10 min
Profile: Bank of America
We think that a strong case can be made that to enhance shareholder value, Moynihan and the BAC board ought to spin-off Merrill Lynch...
465 views
R. Christopher Whalen
- Dec 28, 2020
- 8 min
Outlook 2021: Financials & Credit Markets
New issue volumes in all of the major securities asset classes other than Treasury debt are trending lower as 2021 begins....
767 views
R. Christopher Whalen
- Nov 27, 2020
- 4 min
The Myth of GSE Release
The prospective ejection of the GSEs, Fannie Mae and Freddie Mac, from government control seems finally to be dead for the next four years.
1,326 views
R. Christopher Whalen
- Nov 23, 2020
- 7 min
Nonbank Update: PennyMac Financial Services
There is no actual disclosure from PSFI as to exactly how much of the firm’s default advances are being financed with bondholder funds
529 views
R. Christopher Whalen
- Nov 12, 2020
- 7 min
Nonbank Update: Rocket Companies
Because of forward liquidity and credit concerns, the window for IMBs to tap the public equity markets appears to have closed for now
542 views
R. Christopher Whalen
- Oct 19, 2020
- 11 min
Bank Profile: Wells Fargo & Co
In this edition of The Institutional Risk Analyst, we assign a neutral risk rating to Wells Fargo & Co, the fourth largest US bank
311 views
R. Christopher Whalen
- Oct 12, 2020
- 7 min
Top Five US Banks: Q3 2020 Earnings Setup
There is a reason why the smart money on Wall Street is creating new strategies focused on non-performing loans...
708 views
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