Founded in 1960 when the modern U.S. mortgage industry was just forming, Guild Mortgage Co. is a nationally recognized independent mortgage lender offering a wide range of residential mortgage products and local in-house processing, underwriting and funding. Its collegial and entrepreneurial culture enables it to deliver unsurpassed levels of customer service. Having been through every economic cycle, the company has grown 15-fold since 2007, and now has more than 4,000 employees and 344 branch and satellite offices in 29 states. Guild's highly trained loan professionals are experienced in government-sponsored programs such as FHA, VA, USDA, low down payment assistance programs and other specialized loan programs. The company generated $15.94 billion in loan volume in 2017, as compared to $1.23 billion in 2007. In addition, Guild services more than 190,000 loans, which totaled $38.55 billion in 2017. It has correspondent banking relationships with credit unions and community banks in 47 states.
Company profile
Ticker
GHLD
Exchange
Website
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Corporate docs
Subsidiaries
Guild Mortgage Company LLC • Guild Financial Express, Inc. • Guild Administration Corp. • Guild Mortgage Co • Residential Mortgage Services Holdings, Inc. • Residential Mortgage Services, Inc. • Blue Granite Mortgage, LLC ...
IRS number
852453154
GHLD stock data
Analyst ratings and price targets
Latest filings (excl ownership)
8-K
Departure of Directors or Certain Officers
30 Dec 22
10-Q
2022 Q3
Quarterly report
4 Nov 22
8-K
Guild Holdings Company Reports Third Quarter 2022 Results
3 Nov 22
8-K
Guild Holdings Company Reports Second Quarter 2022 Results
8 Aug 22
10-Q
2022 Q2
Quarterly report
5 Aug 22
8-K
Guild Holdings Company Reports Second Quarter 2022 Results
4 Aug 22
8-K
Guild Holdings Company Appoints Gioia Messinger to Its Board of Directors
28 Jun 22
10-Q
2022 Q1
Quarterly report
9 May 22
8-K
Submission of Matters to a Vote of Security Holders
9 May 22
8-K
Guild Holdings Company Reports First Quarter 2022 Results
5 May 22
Transcripts
GHLD
Earnings call transcript
2022 Q2
7 Aug 22
GHLD
Earnings call transcript
2022 Q1
8 May 22
GHLD
Earnings call transcript
2021 Q4
11 Mar 22
GHLD
Earnings call transcript
2021 Q3
13 Nov 21
GHLD
Earnings call transcript
2021 Q2
12 Aug 21
GHLD
Earnings call transcript
2021 Q1
11 May 21
GHLD
Earnings call transcript
2020 Q4
23 Mar 21
Latest ownership filings
Financial summary
| Quarter (USD) | Sep 22 | Jun 22 | Mar 22 | Dec 21 | |
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| Diluted EPS |
| Annual (USD) | Dec 21 | Dec 20 | |
|---|---|---|---|
| Revenue | |||
| Cost of revenue | |||
| Operating income | |||
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| Diluted EPS |
| Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
|---|---|---|---|---|---|---|
| Cash on hand (at last report) | 169.95 mm | 169.95 mm | 169.95 mm | 169.95 mm | 169.95 mm | 169.95 mm |
| Cash burn (monthly) | 28.21 mm | 11.58 mm | (no burn) | (no burn) | (no burn) | (no burn) |
| Cash used (since last report) | 110.24 mm | 45.27 mm | n/a | n/a | n/a | n/a |
| Cash remaining | 59.71 mm | 124.68 mm | n/a | n/a | n/a | n/a |
| Runway (months of cash) | 2.1 | 10.8 | n/a | n/a | n/a | n/a |
Institutional ownership, Q2 2022
| 13F holders | Current |
|---|---|
| Total holders | 24 |
| Opened positions | 4 |
| Closed positions | 4 |
| Increased positions | 9 |
| Reduced positions | 2 |
| 13F shares | Current |
|---|---|
| Total value | 729.65 mm |
| Total shares | 44.89 mm |
| Total puts | 0.00 |
| Total calls | 0.00 |
| Total put/call ratio | – |
| Largest owners | Shares | Value |
|---|---|---|
| Mccarthy Capital Mortgage Investors | 40.33 mm | $683.24 mm |
| Adage Capital Partners GP, L.L.C. | 1.19 mm | $12.09 mm |
| Basswood Capital Management, L.L.C. | 838.06 k | $8.54 mm |
| Bayview Asset Management | 826.87 k | $8.43 mm |
| Schonfeld Strategic Advisors | 544.92 k | $5.55 mm |
| Vanguard | 397.81 k | $4.05 mm |
| Bridgeway Capital Management | 364.30 k | $3.71 mm |
| Algebris (UK) | 180.98 k | $1.84 mm |
| Alliancebernstein | 74.09 k | $755.00 k |
| Geode Capital Management | 45.08 k | $459.00 k |
Recent insider trades
| Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
|---|---|---|---|---|---|---|---|---|---|---|
| 15 Dec 22 | Edward Bryant JR | Class A Common Stock, par value $0.01 per share | Gift | Dispose G | No | No | 0 | 1,800 | 0.00 | 26,081 |
| 2 Nov 22 | Martha E. Marcon | Class A Common Stock, par value $0.01 per share | Grant | Acquire A | No | No | 8.65 | 11,561 | 100.00 k | 44,942 |
| 21 Oct 22 | Barrett Horn | Class A Common Stock, par value $0.01 per share | Payment of exercise | Dispose F | No | No | 9.25 | 5,183 | 47.94 k | 185,078 |
| 21 Oct 22 | David Manuel Neylan | Class A Common Stock, par value $0.01 per share | Payment of exercise | Dispose F | No | No | 9.25 | 7,197 | 66.57 k | 286,928 |
| 21 Oct 22 | Mary Ann McGarry | Class A Common Stock, par value $0.01 per share | Payment of exercise | Dispose F | No | No | 9.25 | 8,753 | 80.97 k | 215,842 |
Press releases
Guild Mortgage Helps Homebuyers Save on Mortgage Payments Through New Payment Advantage Program
20 Dec 22
Guild Mortgage Acquires Inlanta Mortgage, Wisconsin-Based Lender Operating in 27 States
1 Dec 22
Guild Mortgage Named Top Workplace by The San Diego Union-Tribune for Tenth Straight Year
21 Nov 22
Guild Holdings Company Reports Third Quarter 2022 Results
3 Nov 22