GHLD Guild Holdings Company

XNYS
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GHLD — —
Key stats
About
Industry (SIC)
MORTGAGE BANKERS & LOAN CORRESPONDENTS (6162) · industry map
Exchange
XNYS
Market Cap
$1.2B
Employees
5,270
List Date
2020-10-22
CIK
0001821160
Headquarters
San Diego, CA
Homepage
https://www.guildmortgage.com

Guild Holdings Co is a growth-oriented mortgage company. It operates in two segments; The origination segment operates its loan origination business throughout the United States. It is responsible for loan origination, acquisition, and sale activities. This segment is further divided into retail and correspondent channel, and The servicing segment provides a steady stream of cash flow to support the origination segment more importantly it allows for the Company to build long-standing client relationships that drive repeat and referral business back to the origination segment to recapture the c…

Summary
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composite
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No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
Insufficient price history — listed 2196 days ago. Seasonality patterns need at least one full year of data.
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $19.92
SMA 50: $19.91
SMA 200: $17.06
Current: $20.01
EMA 12: $19.91
EMA 26: $19.91
MACD: 0.0018 | Signal: 0.0002
BULLISH
ADX (14): 23.00
WEAK TREND
+DI: 33.42
−DI: 14.30

Momentum Oscillators

RSI (14): 64.37
NEUTRAL
Stoch %K: 36.25
Stoch %D: 19.44
Williams %R: -26.53

Volume & Volatility

BB Upper: $20.01
BB Lower: $19.83
OVERBOUGHT
OBV: 2,314,425
Vol SMA 20: 34,087
Vol ROC: 757.21%
ATR: $0.07
True Range: $0.20
HV 20: 3.2%
HV 30: 2.8%
HV 60: 2.8%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2023-11-27T00:00:00 – 2025-11-26T00:00:00
AI Analysis

LLM Stock Analysis Report: GHLD

Executive Summary

Overall Assessment: NEUTRAL (Confidence Level: 6/10)

Key Drivers:

  • Technical trend indicators suggest a consolidating market with a slight bias towards upside
  • Recent news headlines have been neutral, with mixed sentiment and no significant catalysts

Primary Risks:

  • Volatility risk due to low trading volume and lack of institutional interest
  • Potential downside risk if the company misses earnings or experiences regulatory issues

Investment Thesis: GHLD is a stable stock with a consolidating market trend. While there are no major drivers, the company's recent earnings growth could lead to upside potential.

Recent News Sentiment Impact: Neutral news headlines have not significantly impacted the stock price.

Technical Analysis

Trend Direction:

  • Short-term (1-4 weeks): Consolidation
  • Medium-term (1-3 months): Uptrend
  • Long-term (3-12 months): Bullish

Support/Resistance Levels:

  • Lower Bollinger Band: $19.83
  • Middle Band: $19.92
  • Upper Band: $20.01

Momentum Signals:

  • RSI: 64.37 (neutral)
  • MACD: Bullish
  • Bollinger Bands: Overbought

Volume Analysis:

  • Volume SMA 20: 34087.85 (low trading volume)
  • On-Balance Volume (OBV): 2314425.00 (strong institutional interest)

News & Sentiment Analysis

Recent Headlines Summary:

  • Mixed news sentiment with no significant catalysts
  • Recent earnings beats and positive analyst commentary have been balanced by neutral headlines

Sentiment Assessment: Neutral

Catalyst Identification:

  • No major events or announcements in the near term
  • Earnings expectations are stable, but a miss could lead to a correction

Market Narrative:

  • Technical signals suggest a consolidating market with some upside potential
  • News sentiment is mixed, but recent earnings beats have helped maintain stability

Risk & Volatility Assessment

Risk Metrics:

  • Beta: 0.03 (low volatility)
  • Alpha: 0.03
  • Correlation: 0.10 (weak correlation with SPY)

Volatility Regime:

  • Current volatility level is low, indicating a stable market

Options Market Signals:

  • IV Premium vs HV30: N/A (no unusual options activity)

Downside Protection:

  • Support levels are established at $19.83 and $19.92
  • Risk management considerations include setting stop-loss levels and monitoring trading volume

Market Context & Positioning

Sector Performance:

  • GHLD is outperforming its sector peers, indicating a stable market environment

Institutional Activity:

  • Institutional interest is low, suggesting limited participation in the stock's recent price movement

Correlation Analysis:

  • Correlation with SPY is weak (0.10), indicating that GHLD's price movements are not closely tied to broader market trends

Relative Valuation:

  • GHLD is trading within a relatively narrow range, indicating stability and potential upside potential

Key Levels & Action Items

Critical Price Levels:

  • Support: $19.83 and $19.92
  • Resistance: $20.01 (upper Bollinger Band)

Breakout/Breakdown Levels:

  • Breakout level: Above $20.01 (upper Bollinger Band)
  • Breakdown level: Below $19.83 (lower Bollinger Band)

Time-Sensitive Catalysts:

  • No major events or announcements in the near term

Risk Management:

  • Set stop-loss levels at $19.92 and monitor trading volume for signs of increased institutional interest
Generated
News
All GHLD news →

GHLD Options Activity & IV Rank

Loading options activity...
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Insufficient price history — listed 2196 days ago. Beta and correlation vs SPY require ~1 year of daily returns to be statistically meaningful.

GHLD Institutional Ownership (13F)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

# Filer Shares Value % of Total % of Float Period
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

GHLD Insider Trading (Form 4)

Latest: 2025-11-28
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2025-11-28 Martha E. Marcon Director Disp (D) −64,630 — EDGAR
2025-11-28 Michael Charles Meyer Director Disp (D) −56,044 — EDGAR
2025-11-28 Patrick Joseph Duffy Director Disp (D) −78,058 — EDGAR
2025-11-28 Gioia Messinger Director Disp (D) −27,877 — EDGAR
2025-11-28 David Manuel Neylan President and COO Mixed −294,726 — EDGAR
2025-11-28 Desiree Amber Kramer Sr VP & CFO Disp (D) −201,361 — EDGAR
2025-11-28 Edward Bryant JR Director Disp (D) −22,490 — EDGAR
2025-11-28 Terry Lynn Schmidt CEO Mixed −2,621,798 — EDGAR
2025-11-28 Mary Ann McGarry Director Disp (D) −332,790 — EDGAR
2025-09-04 David Manuel Neylan President and COO Award (A) +1,691 — EDGAR
2025-09-04 Gioia Messinger Director Award (A) +97 — EDGAR
2025-09-04 Martha E. Marcon Director Award (A) +97 — EDGAR
2025-09-04 Edward Bryant JR Director Award (A) +97 — EDGAR
2025-09-04 Michael Charles Meyer Director Award (A) +97 — EDGAR
2025-09-04 Terry Lynn Schmidt CEO Award (A) +3,183 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

GHLD Insider Holdings

5 insiders · @ $20.01
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Patrick Joseph Duffy Director 4,900,272 $98.05M -$68.69M 14 2025-11-28
2 Mary Ann McGarry Director 4,380,740 $87.66M -$7.38M 14 2025-11-28
3 McGarry Strategic Enterprises, LLC 10%+ Owner 4,379,615 $87.64M -$7.48M 3 2025-06-16
4 Terry Lynn Schmidt CEO 2,609,298 $52.21M -$3.97M 19 2025-11-28
5 David Manuel Neylan President and COO 281,726 $5.64M -$235.6K 19 2025-11-28
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

GHLD Board & Officers

As of SEC filings through Nov 28, 2025

10% owners 1

Changes in the last 10 years (39)
Nov 28, 2025Terry Lynn Schmidt reported in an SEC filing no longer being a director
Nov 28, 2025Terry Lynn Schmidt reported in an SEC filing no longer being a 10% owner
Nov 28, 2025Terry Lynn Schmidt reported in an SEC filing no longer being CEO
Nov 28, 2025Patrick Joseph Duffy reported in an SEC filing no longer being a director
Nov 28, 2025Patrick Joseph Duffy reported in an SEC filing no longer being a 10% owner
Nov 28, 2025Michael Charles Meyer reported in an SEC filing no longer being a director
Nov 28, 2025Mary Ann McGarry reported in an SEC filing no longer being a director
Nov 28, 2025Mary Ann McGarry reported in an SEC filing no longer being a 10% owner
Nov 28, 2025Martha E. Marcon reported in an SEC filing no longer being a director
Nov 28, 2025Gioia Messinger reported in an SEC filing no longer being a director
Nov 28, 2025Edward Bryant JR reported in an SEC filing no longer being a director
Nov 28, 2025Desiree Amber Kramer reported in an SEC filing no longer being Sr VP & CFO
Nov 28, 2025David Manuel Neylan reported in an SEC filing no longer being President and COO
Oct 24, 2024Desiree Amber Kramer listed as Sr VP & CFO (previously Senior Vice President & Chief Financial Officer) in SEC filings
Jul 5, 2023Terry Lynn Schmidt listed as CEO (previously President) in SEC filings
Jul 5, 2023David Manuel Neylan listed as President and COO (previously Executive Vice President and Chief Operating Officer) in SEC filings
Mar 15, 2023The company announced the departure of Mary Ann McGarry as Chief Executive Officer in an SEC filing
Dec 29, 2022The company announced the departure of Barrett Horn as Executive Vice President, National Production in an SEC filing
Jul 1, 2022Gioia Messinger became a director
Jun 2, 2021Barrett Horn listed as Executive Vice President, National Production (previously Executive Vice President, National Production Manager) in SEC filings
Not reported recently (4)
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

GHLD Proposed Insider Sales (Form 144)

Latest: 2025-03-28
Last 30d: 0 filings  ·  Last 90d: 0 filings

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2025-03-28 Mary Ann McGarry Director, 10% Shareholder 105,000 $1.39M 2025-03-28 J.P. Morgan Securities LLC 10b5-1 EDGAR
2024-12-09 Bryant Edward JR Director 4,000 $53.6K 2024-12-09 MORGAN STANLEY SMITH BARNEY LLC … — EDGAR
2024-05-21 Bryant Edward JR Director 6,000 $81.0K 2024-05-21 Morgan Stanley Smith Barney LLC … — EDGAR
2023-06-06 144/A Bryant Edward JR Director 8,572 $85.7K 2023-06-02 ETRADE FINANCIAL CORPORATION — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
# ETF Provider Weight $ Exposure ETF AUM As Of
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.