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R. Christopher Whalen

Jun 30, 20217 min read

Profile: Blend Labs, Inc ("BLND")

Is BLND worth more than RKT, or entrenched data monopolies and solution providers such as BKI or even CLGX?

879 views

Upstart Holdings: Victory for AI? Or Not...

R. Christopher Whalen

Jun 17, 20219 min read

Upstart Holdings: Victory for AI? Or Not...

While the progress in machine learning is impressive, horsepower in terms of computational capacity does not translate into intelligence.

554 views

R. Christopher Whalen

Jun 8, 20217 min read

Icons of Meme Investing

Fed Chairman Jay Powell effectively is short an equity put option to the world...

573 views

R. Christopher Whalen

Jun 1, 20214 min read

Lee Adler: Banks Are As Fragile As Ever

Every time there’s a critical problem in the banking system due to banker malfeasance, the Fed steps in to paper it over....

925 views

Chairman Powell: Fine Tuning and Price Stability

R. Christopher Whalen

Apr 27, 20215 min read

Chairman Powell: Fine Tuning and Price Stability

Each burst of liquidity provided by the FOMC in response to a major externality creates the conditions for the next financial crisis

906 views

R. Christopher Whalen

Apr 22, 20216 min read

Citigroup: Breaking Up is Hard to Do

Citi has drifted through years of government ownership and weak leadership by the board of directors

335 views

Update: Commercial, Residential Loans & MSRs

R. Christopher Whalen

Apr 5, 202113 min read

Update: Commercial, Residential Loans & MSRs

We continue to believe that issuers and funds should be accumulating conventional servicing. Rates bottomed in February...

418 views

R. Christopher Whalen

Mar 25, 20217 min read

Update: Q1 2021 Bank Earnings

US banks are running at income levels that are less than half of a year ago...

316 views

Greensill, Wirecard, Deutsche Bank & the Rising Tide of Financial Fraud

R. Christopher Whalen

Mar 15, 20215 min read

Greensill, Wirecard, Deutsche Bank & the Rising Tide of Financial Fraud

“Time to turn on the lights and find the rest of the cockroaches”

788 views

Twisting the Night Away Towards a Debt Crisis

R. Christopher Whalen

Mar 4, 20214 min read

Twisting the Night Away Towards a Debt Crisis

Think of the Federal Reserve Bank of New York as a giant sump pump, sucking the available duration out of the bond market...

1,854 views

Interview: Ed Kane on Inflation & Disruption

R. Christopher Whalen

Feb 25, 202110 min read

Interview: Ed Kane on Inflation & Disruption

This is a really bad time to be focused on macroeconomic data....

863 views

R. Christopher Whalen

Feb 16, 20214 min read

The Great Correction of 2025

And after the great correction, the dollar will still be the global means of exchange, but Americans will have lost a huge amount of income

1,455 views

R. Christopher Whalen

Feb 11, 20218 min read

Update: Ocwen & New Residential

In this issue of The Institutional Risk Analyst, we compare two major players in the residential mortgage servicing space, New...

345 views

R. Christopher Whalen

Feb 9, 20214 min read

Don't Fight the Fed -- Yet

Remember when Fed Chair Yellen expressed surprise that more young people were not buying homes?

1,982 views

R. Christopher Whalen

Feb 3, 20216 min read

Profile: Bank OZK -- It's All About the NIM

Significantly, OZK predicts shrinking CRE loan volumes in 2021....

455 views

Interview: Chris Abate, CEO of Redwood Trust

R. Christopher Whalen

Feb 1, 20219 min read

Interview: Chris Abate, CEO of Redwood Trust

magine if the Fed started margin calling the big banks in response to the April market selloff rather than supporting the system!

1,147 views

Update: Commercial & Residential Real Estate, MSRs

R. Christopher Whalen

Jan 29, 20218 min read

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.

794 views

Jim Parrott on GSE Reform and the Road Ahead

R. Christopher Whalen

Jan 25, 20218 min read

Jim Parrott on GSE Reform and the Road Ahead

The GSEs will never be worth more than about $250 billion regardless of how much additional taxpayer money is contributed....

644 views

R. Christopher Whalen

Jan 17, 20215 min read

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

301 views

R. Christopher Whalen

Jan 10, 20218 min read

Update: Square as a Bank

The evolution of fintech companies into regulated banks has implications for public market valuations...

430 views