Umpqua Holdings
Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services. The last earnings update was 26 days ago. More info.
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UMPQ Share Price and Events
7 Day Returns
1 Year Returns
UMPQ Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| Umpqua Holdings (UMPQ) | -1.9% | -3.6% | 7.2% | -23.2% | 7.4% | -8.3% |
| US Banks | 2.9% | 1.7% | 15% | -8.1% | 50.7% | 42.7% |
| US Market | 1.6% | 2.1% | 12.8% | 3.2% | 38.6% | 43.6% |
1 Year Return vs Industry and Market
- UMPQ underperformed the Banks industry which returned -8.1% over the past year.
- UMPQ underperformed the Market in United States of America which returned 3.2% over the past year.
UMPQ Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
Umpqua Holdings
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Umpqua Holdings.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Weighted future Return on Equity estimates from 7 analysts.
= Stable Book Value * Return on Equity = $19.52 * 9% |
$1.75 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 10 analysts. | $19.52 |
| Discount Rate (Cost of Equity) | See below | 8% |
| Perpetual Growth Rate | 10-Year US Government Bond Rate | 2.7% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year US Govt Bond Rate | 2.7% |
| Equity Risk Premium | S&P Global | 6% |
| Banks Unlevered Beta | Simply Wall St/ S&P Global | 0.64 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.641 (1 + (1- 21%) (37.71%)) |
0.887 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
0.89 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.887 * 5.96%) |
8.02% |
Discounted Cash Flow Calculation for NasdaqGS:UMPQ using Excess Returns Model Model
The calculations below outline how an intrinsic value for Umpqua Holdings is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (9% – 8.02%) * $19.52) |
$0.18 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= $0.18 / (8.02% - 2.73%) |
$3.45 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= $19.52 + $3.45 |
$22.97 |
| Calculation | Result | |
|---|---|---|
| Value per share (USD) | From above. | $22.97 |
| Current discount | Discount to share price of
$17.31
= -1 x ($17.31 - $22.97) / $22.97 |
24.6% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
Current Discount
Current Discount Checks
- Umpqua Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).
- Umpqua Holdings's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for Umpqua Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
Umpqua Holdings's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2018-12-31) in USD | $1.44 |
| NasdaqGS:UMPQ Share Price ** | NasdaqGS (2019-03-19) in USD | $17.31 |
| United States of America Banks Industry PE Ratio | Median Figure of 587 Publicly-Listed Banks Companies | 13.41x |
| United States of America Market PE Ratio | Median Figure of 3,056 Publicly-Listed Companies | 17.77x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of Umpqua Holdings.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = NasdaqGS:UMPQ Share Price ÷ EPS (both in USD) = 17.31 ÷ 1.44 |
12.06x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Umpqua Holdings is good value based on earnings compared to the US Banks industry average.
- Umpqua Holdings is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does
Umpqua Holdings's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 12.06x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts |
10.1%per year |
| United States of America Banks Industry PEG Ratio | Median Figure of 260 Publicly-Listed Banks Companies | 1.25x |
| United States of America Market PEG Ratio | Median Figure of 2,107 Publicly-Listed Companies | 1.49x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 12.06x ÷ 10.1% |
1.2x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Umpqua Holdings is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on
Umpqua Holdings's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2018-12-31) in USD | $18.42 |
| NasdaqGS:UMPQ Share Price * | NasdaqGS (2019-03-19) in USD | $17.31 |
| United States of America Banks Industry PB Ratio | Median Figure of 592 Publicly-Listed Banks Companies | 1.26x |
| United States of America Market PB Ratio | Median Figure of 5,154 Publicly-Listed Companies | 1.89x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = NasdaqGS:UMPQ Share Price ÷ Book Value per Share (both in USD) = 17.31 ÷ 18.42 |
0.94x |
* Primary Listing of Umpqua Holdings.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Umpqua Holdings is good value based on assets compared to the US Banks industry average.
Value checks
We assess Umpqua Holdings's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check) Umpqua Holdings has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
UMPQ Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- Umpqua Holdings's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
- Umpqua Holdings's earnings growth is positive but not above the United States of America market average.
- Umpqua Holdings's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| NasdaqGS:UMPQ Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts | 10.1% |
| NasdaqGS:UMPQ Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 11 Analysts | 5.6% |
| United States of America Banks Industry Earnings Growth Rate | Market Cap Weighted Average | 4.3% |
| United States of America Banks Industry Revenue Growth Rate | Market Cap Weighted Average | 5.3% |
| United States of America Market Earnings Growth Rate | Market Cap Weighted Average | 14.3% |
| United States of America Market Revenue Growth Rate | Market Cap Weighted Average | 7.1% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
| Date (Data in USD Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2020-12-31 | 1,301 | 388 | 10 | |
| 2019-12-31 | 1,247 | 355 | 11 |
| Date (Data in USD Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2018-12-31 | 1,162 | 505 | 316 |
| 2018-09-30 | 1,148 | 578 | 315 |
| 2018-06-30 | 1,133 | 475 | 288 |
| 2018-03-31 | 1,123 | 517 | 279 |
| 2017-12-31 | 1,097 | 516 | 242 |
| 2017-09-30 | 1,110 | 285 | 236 |
| 2017-06-30 | 1,099 | 213 | 234 |
| 2017-03-31 | 1,099 | 439 | 231 |
| 2016-12-31 | 1,098 | 415 | 230 |
| 2016-09-30 | 1,089 | 546 | 226 |
| 2016-06-30 | 1,084 | 587 | 222 |
| 2016-03-31 | 1,098 | 443 | 223 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
All data from Umpqua Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in USD Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2020-12-31 | 1.75 | 1.87 | 1.65 | 12.00 |
| 2019-12-31 | 1.61 | 1.70 | 1.47 | 12.00 |
| Date (Data in USD Millions) | EPS * |
|---|---|
| 2018-12-31 | 1.44 |
| 2018-09-30 | 1.43 |
| 2018-06-30 | 1.31 |
| 2018-03-31 | 1.27 |
| 2017-12-31 | 1.10 |
| 2017-09-30 | 1.07 |
| 2017-06-30 | 1.06 |
| 2017-03-31 | 1.05 |
| 2016-12-31 | 1.04 |
| 2016-09-30 | 1.03 |
| 2016-06-30 | 1.01 |
| 2016-03-31 | 1.01 |
*GAAP earnings excluding extraordinary items.
Future performance checks
We assess Umpqua Holdings's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Umpqua Holdings has a total score of 1/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
UMPQ Past Performance
How has Umpqua Holdings performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- Umpqua Holdings's year on year earnings growth rate has been positive over the past 5 years.
- Umpqua Holdings's 1-year earnings growth exceeds its 5-year average (30.5% vs 19.7%)
- Umpqua Holdings's earnings growth has not exceeded the US Banks industry average in the past year (30.5% vs 43.2%).
Earnings and Revenue History
All data from Umpqua Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in USD Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2018-12-31 | 1,162.15 | 316.25 | 659.98 | |
| 2018-09-30 | 1,147.56 | 314.88 | 676.62 | |
| 2018-06-30 | 1,133.42 | 287.70 | 676.05 | |
| 2018-03-31 | 1,123.44 | 278.94 | 665.10 | |
| 2017-12-31 | 1,096.92 | 242.26 | 661.88 | |
| 2017-09-30 | 1,109.69 | 236.26 | 651.75 | |
| 2017-06-30 | 1,099.29 | 234.25 | 650.03 | |
| 2017-03-31 | 1,099.30 | 231.27 | 651.12 | |
| 2016-12-31 | 1,098.17 | 229.95 | 651.75 | |
| 2016-09-30 | 1,088.84 | 226.50 | 654.78 | |
| 2016-06-30 | 1,083.77 | 222.24 | 655.44 | |
| 2016-03-31 | 1,097.81 | 222.68 | 654.69 | |
| 2015-12-31 | 1,110.77 | 222.18 | 652.32 | |
| 2015-09-30 | 1,099.21 | 211.70 | 648.85 | |
| 2015-06-30 | 1,100.33 | 212.91 | 644.34 | |
| 2015-03-31 | 1,056.04 | 175.68 | 621.89 | |
| 2014-12-31 | 914.76 | 147.17 | 539.96 | |
| 2014-09-30 | 776.07 | 119.80 | 460.13 | |
| 2014-06-30 | 634.37 | 84.34 | 383.78 | |
| 2014-03-31 | 519.81 | 92.93 | 318.28 | |
| 2013-12-31 | 517.14 | 97.50 | 315.58 | |
| 2013-09-30 | 520.50 | 100.29 | 314.82 | |
| 2013-06-30 | 514.37 | 101.99 | 307.65 | |
| 2013-03-31 | 507.79 | 99.05 | 306.56 | |
| 2012-12-31 | 514.86 | 101.21 | 298.49 | |
| 2012-09-30 | 491.51 | 94.71 | 290.60 | |
| 2012-06-30 | 484.60 | 91.49 | 286.63 | |
| 2012-03-31 | 472.48 | 86.07 | 279.01 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- Umpqua Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Umpqua Holdings used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
- Unable to establish if Umpqua Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Past performance checks
We assess Umpqua Holdings's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
Umpqua Holdings has a total score of 3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
UMPQ Health
This company is a bank or financial institution.Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Balance sheet
Assets
Liabilities and shares
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from Umpqua Holdings Company Filings, last reported 2 months ago.
| Date (Data in USD Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2018-12-31 | 4,056.44 | 1,438.53 | 505.62 |
| 2018-09-30 | 4,003.89 | 1,410.37 | 842.30 |
| 2018-06-30 | 3,981.09 | 1,444.91 | 768.15 |
| 2018-03-31 | 4,013.88 | 1,461.16 | 539.07 |
| 2017-12-31 | 3,969.37 | 1,474.42 | 475.24 |
| 2017-09-30 | 3,985.26 | 1,541.41 | 825.12 |
| 2017-06-30 | 3,958.85 | 1,548.60 | 591.00 |
| 2017-03-31 | 3,931.15 | 1,521.04 | 667.69 |
| 2016-12-31 | 3,916.80 | 1,568.49 | 1,318.50 |
| 2016-09-30 | 3,920.21 | 1,658.07 | 1,455.38 |
| 2016-06-30 | 3,902.16 | 1,718.09 | 897.04 |
| 2016-03-31 | 3,878.63 | 1,662.17 | 908.71 |
| 2015-12-31 | 3,849.33 | 1,550.04 | 637.56 |
| 2015-09-30 | 3,835.55 | 1,620.88 | 947.03 |
| 2015-06-30 | 3,804.18 | 1,596.85 | 874.90 |
| 2015-03-31 | 3,800.97 | 1,683.37 | 1,373.18 |
| 2014-12-31 | 3,777.63 | 1,670.59 | 1,519.98 |
| 2014-09-30 | 3,752.51 | 1,766.98 | 1,439.85 |
| 2014-06-30 | 3,729.06 | 1,746.66 | 836.90 |
| 2014-03-31 | 1,734.48 | 718.75 | 1,107.32 |
| 2013-12-31 | 1,727.43 | 680.11 | 787.10 |
| 2013-09-30 | 1,726.00 | 673.02 | 718.59 |
| 2013-06-30 | 1,715.35 | 626.21 | 830.74 |
| 2013-03-31 | 1,734.26 | 605.12 | 744.98 |
| 2012-12-31 | 1,724.04 | 609.72 | 541.68 |
| 2012-09-30 | 1,714.09 | 630.25 | 524.89 |
| 2012-06-30 | 1,696.84 | 610.56 | 687.01 |
| 2012-03-31 | 1,687.05 | 575.13 | 551.01 |
BANK ANALYSIS
This company is a bank or financial institution, which is analysed accordingly below.
- Umpqua Holdings has an acceptable proportion of non-loan assets held.
- Umpqua Holdings's liabilities are made up of primarily low risk sources of funding.
- Loans at Umpqua Holdings are broadly funded by customer deposits.
- Umpqua Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- Umpqua Holdings has a sufficient allowance for bad loans.
- Umpqua Holdings has an acceptable level of bad loans (less than 2%).
Financial health checks
We assess Umpqua Holdings's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Umpqua Holdings has a total score of 6/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
UMPQ Dividends
What is Umpqua Holdings's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
$2,000 of
Umpqua Holdings
shares you are expected to receive
$97
in your first year as a dividend.
Dividend Amount
- Umpqua Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
- Umpqua Holdings's dividend is above the markets top 25% of dividend payers in United States of America (3.63%).
Upcoming dividend payment
Purchase Umpqua Holdings on or before the 'Buy Limit' to receive their next dividend payment.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
| United States of America Banks Industry Average Dividend Yield | Market Cap Weighted Average of 470 Stocks | 2.8% |
| United States of America Market Average Dividend Yield | Market Cap Weighted Average of 2004 Stocks | 2.5% |
| United States of America Minimum Threshold Dividend Yield | 10th Percentile | 0.8% |
| United States of America Bottom 25% Dividend Yield | 25th Percentile | 1.4% |
| United States of America Top 25% Dividend Yield | 75th Percentile | 3.6% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in $) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2020-12-31 | 0.92 | 10.00 |
| 2019-12-31 | 0.87 | 10.00 |
| Date (Data in $) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-03-15 | 0.840 | 4.733 |
| 2018-12-14 | 0.840 | 4.811 |
| 2018-09-14 | 0.840 | 4.282 |
| 2018-06-15 | 0.800 | 3.610 |
| 2018-03-15 | 0.800 | 3.471 |
| 2017-12-15 | 0.720 | 3.313 |
| 2017-09-14 | 0.720 | 3.560 |
| 2017-06-15 | 0.640 | 3.540 |
| 2017-03-15 | 0.640 | 3.636 |
| 2016-12-15 | 0.640 | 3.434 |
| 2016-09-15 | 0.640 | 3.942 |
| 2016-06-15 | 0.640 | 4.097 |
| 2016-03-16 | 0.640 | 4.077 |
| 2015-12-16 | 0.640 | 4.241 |
| 2015-09-15 | 0.640 | 3.787 |
| 2015-06-15 | 0.600 | 3.422 |
| 2015-03-16 | 0.600 | 3.443 |
| 2014-12-16 | 0.600 | 3.643 |
| 2014-09-16 | 0.600 | 3.558 |
| 2014-06-16 | 0.600 | 3.465 |
| 2014-03-19 | 0.600 | 3.442 |
| 2013-12-19 | 0.600 | 3.308 |
| 2013-09-17 | 0.600 | 3.510 |
| 2013-05-20 | 0.600 | 3.839 |
| 2013-03-12 | 0.400 | 3.162 |
| 2012-12-04 | 0.360 | 2.888 |
| 2012-09-05 | 0.360 | 2.922 |
| 2012-06-05 | 0.360 | 2.847 |
| 2012-03-15 | 0.280 | 2.145 |
| 2011-12-15 | 0.280 | 2.225 |
| 2011-09-15 | 0.280 | 2.620 |
| 2011-06-15 | 0.200 | 1.896 |
| 2011-03-17 | 0.200 | 1.767 |
| 2010-12-16 | 0.200 | 1.707 |
| 2010-09-09 | 0.200 | 1.785 |
| 2010-06-16 | 0.200 | 1.701 |
| 2010-03-17 | 0.200 | 1.501 |
| 2009-12-17 | 0.200 | 1.564 |
| 2009-09-15 | 0.200 | 1.857 |
| 2009-06-16 | 0.200 | 2.219 |
| 2009-03-20 | 0.200 | 2.107 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Dividends per share have been stable in the past 10 years.
- Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of
Umpqua Holdings's earnings are
paid
to the shareholders as a dividend.
- Dividends paid are covered by earnings (1.8x coverage).
- Dividends after 3 years are expected to be covered by earnings (1.9x coverage).
Income/ dividend checks
We assess Umpqua Holdings's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can Umpqua Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) Umpqua Holdings has a total score of 6/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
UMPQ Management
CEO
| COMPENSATION | $3,551,514 |
| AGE | 55 |
| TENURE AS CEO | 2.2 years |
CEO Bio
Mr. Cort Lane O’Haver has been the President of Umpqua Bank since April 25, 2016 and as its Chief Executive Officer since January 1, 2017. Mr. O’Haver has been Chief Executive Officer and President of Umpqua Holdings Corporation since January 1, 2017. Mr. O’Haver has more than 20 years of experience in Oregon, Washington and California. Mr. O’Haver served as the President of Commercial Bank at Umpqua Holdings Corporation. He served as President of Commercial Banking at Umpqua Bank from April 18, 2014 to April 25, 2016 and served as its Executive Vice President from March 2010 to August 2013. Mr. O’Haver served as Senior Executive Vice President of Umpqua Holdings Corporation and Umpqua Bank from August 2013 to April 2014. He served as Senior Executive Vice President of Umpqua Bank since August 2013. He served as an Executive Vice President of Commercial Banking at Umpqua Holdings Corporation and Executive Vice President at Umpqua Bank from March 2010 to August 2013. He served as a Director of Nevada General Insurance Co. from 2015 to 2016. He served as Director of Corporate Banking, Corporate Banking Manager and Executive Vice President of Mechanics Bank. He served at U.S. BanCorp. as Senior Vice President of Northwest and Northern California Regional Manager, Real Estate Banking. He has been a Director at Umpqua Bank and Umpqua Holdings Corporation since January 1, 2017. Mr. O’Haver served as a Director of Mutual of Enumclaw Insurance Company since September 28, 2015 until February 2, 2017.
CEO Compensation
- Cort's compensation has been consistent with company performance over the past year.
- Cort's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the Umpqua Holdings management team in years:
- The tenure for the Umpqua Holdings management team is about average.
Management Team
Cort O’Haver
President
$4M
55
2.2 yrs
Ron Farnsworth
Executive VP & CFO
$2M
47
11.8 yrs
David Shotwell
Executive VP & Chief Risk Officer
$1M
59
3.7 yrs
Rilla Delorier
Executive VP & Chief Strategy Officer
$1M
51
1.9 yrs
Tory Nixon
Senior Executive VP & Chief Banking Officer for Umpqua Bank
$2M
56
3.2 yrs
Neal McLaughlin
Principal Accounting Officer
49
11.8 yrs
Drew Anderson
Senior VP & Director of Investor Relations
Andrew Ognall
Executive VP
$788K
46
4.9 yrs
Sheri Burns
EVP & Chief People Officer
48
1.2 yrs
Gary Neal
Executive Vice President of Enterprise Risk Management
63
4.2 yrs
Board of Directors Tenure
Average tenure and age of the Umpqua Holdings board of directors in years:
- The tenure for the Umpqua Holdings board of directors is about average.
Board of Directors
Peggy Fowler
Chairman & Lead Independent Director
$185K
66
1.2 yrs
Cort O’Haver
President
$4M
55
2.2 yrs
Bryan Timm
Vice Chairman of the Board
$145K
54
6.9 yrs
Ray Davis
Chairman Emeritus
$3M
68
1.2 yrs
Luis Machuca
Director
$140K
60
9.2 yrs
Hilliard Terry
Director
$140K
48
9.2 yrs
Susan Stevens
Director
$140K
67
6.5 yrs
Jim Greene
Director
$140K
64
6.7 yrs
Stephen Gambee
Director
$130K
54
13.7 yrs
Maria Pope
Director
$130K
53
4.9 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price ($) | Value ($) | |
|---|---|---|---|---|---|---|---|---|---|---|
Management checks
We assess Umpqua Holdings's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) Umpqua Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
UMPQ News
Simply Wall St News
Should You Be Concerned About Umpqua Holdings Corporation’s (NASDAQ:UMPQ) Risks?
Umpqua Holdings Corporation (NASDAQ:UMPQ) is a small-cap bank with a market capitalisation of US$4.1b. … Risk associated with repayment is measured by bad debt which is written off as an expense, impacting Umpqua Holdings’s bottom line. … Since the level of risky assets held by the bank impacts the attractiveness of it as an investment, I will take you through three metrics that are insightful proxies for risk.
Simply Wall St - – Full articleHere's How P/E Ratios Can Help Us Understand Umpqua Holdings Corporation (NASDAQ:UMPQ)
The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … We'll look at Umpqua Holdings Corporation's (NASDAQ:UMPQ) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleUmpqua Holdings Corporation (NASDAQ:UMPQ): 4 Days To Buy Before The Ex-Dividend Date
Have you been keeping an eye on Umpqua Holdings Corporation's (NASDAQ:UMPQ) upcoming dividend of US$0.21 per share payable on the 15 January 2019? … Is this future income a persuasive enough catalyst for investors to think about Umpqua Holdings as an investment today? … View our latest analysis for Umpqua Holdings?
Simply Wall St - – Full articleCan These Factors Give You An Edge In Umpqua Holdings Corporation (NASDAQ:UMPQ)?
As a small-cap bank stock with a market capitalisation of US$3.9b, Umpqua Holdings Corporation’s (NASDAQ:UMPQ) risk and profitability are largely determined by the underlying economic growth of the US regions in which it operates. … Post-GFC recovery brought about a new set of reforms, Basel III, which was created to improve regulation, supervision and risk management in the financial services industry. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like Umpqua Holdings to vulnerabilities.
Simply Wall St - – Full articleShould You Investigate Umpqua Holdings Corporation (NASDAQ:UMPQ) At US$19.21?
This high level of volatility gives investors the opportunity to enter into the stock, and potentially buy at an artificially low price? … A question to answer is whether Umpqua Holdings's current trading price of $19.21 reflective of the actual value of the? … Let’s take a look at Umpqua Holdings’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change
Simply Wall St - – Full articleGrab Umpqua Holdings Corporation (NASDAQ:UMPQ) Today With A Solid 4.3% Dividend Yield
If you are an income investor, then Umpqua Holdings Corporation (NASDAQ:UMPQ) should be on your radar. … Umpqua Holdings Corporation, through its subsidiaries, provides commercial and retail banking, and retail brokerage services. … Currently yielding 4.3%, let's take a closer look at Umpqua Holdings's dividend profile.
Simply Wall St - – Full articleWhy Fundamental Investors Might Love Umpqua Holdings Corporation (NASDAQ:UMPQ)
As an investor, I look for investments which does not compromise one fundamental factor for another. … By this I mean, I look at stocks holistically, from their financial health to their future outlook. … In the case of Umpqua Holdings Corporation (NASDAQ:UMPQ), it
Simply Wall St - – Full articleIs Umpqua Holdings Corporation (NASDAQ:UMPQ) Undervalued After Accounting For Its Future Growth?
Growth expectations for Umpqua Holdings Corporation (NASDAQ:UMPQ) are high, but many investors are starting to ask whether its last close at $20.84 can still be rationalized by the future potential. … See our latest analysis for Umpqua Holdings? … If you are bullish about Umpqua Holdings's growth potential then you are certainly not alone
Simply Wall St - – Full articleThree Understated Metrics For Umpqua Holdings Corporation (NASDAQ:UMPQ) You Should Know
Umpqua Holdings Corporation’s (NASDAQ:UMPQ) profitability and risk are largely affected by the underlying economic growth for the region it operates in US given it is a small-cap stock with a market capitalisation of US$4.71b. … These reforms target bank level regulation and aims to improve the banking sector’s ability to absorb shocks arising from economic stress which could expose financial institutions to vulnerabilities. … Low levels of leverage coupled with sufficient liquidity may place Umpqua Holdings in a safe position in the face of adverse headwinds.
Simply Wall St - – Full articleShould You Buy Umpqua Holdings Corporation (NASDAQ:UMPQ) For Its Dividend?
In the past 10 years Umpqua Holdings Corporation (NASDAQ:UMPQ) has returned an average of 3.00% per year to investors in the form of dividend payouts. … Does Umpqua Holdings tick all the boxes of a great dividend stock? … See our latest analysis for Umpqua Holdings
Simply Wall St - – Full articleUMPQ Company Info
Description
Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services. It operates through four segments: Wholesale Bank, Wealth Management, Retail Bank, and Home Lending. The company offers deposit products, including non-interest bearing checking, interest bearing checking and savings, and money market accounts, as well as certificates of deposit. It also provides loans for corporate and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade, real estate construction loans, permanent financing products, and small business administration program financing, as well as capital markets and treasury management services. In addition, the company offers loan products for small businesses; commercial and industrial loans; residential real estate loans for the construction, purchase, and refinancing of residential owner-occupied and rental properties; and consumer loans comprising secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. Further, it provides financial planning, trust, and investment services; treasury and cash management services; retail brokerage and investment advisory services; and digital, mobile, telephone, text, and online banking services. The company serves middle market corporate, commercial, and business banking customers; individual investors; and high net worth individuals. As of December 31, 2018, it operated commercial banking centers in 299 locations in Oregon, Washington, California, Idaho, and Nevada. The company was founded in 1953 and is headquartered in Portland, Oregon.
Details
| Name: | Umpqua Holdings Corporation |
| UMPQ | |
| Exchange: | NasdaqGS |
| Founded: | 1953 |
| $3,814,404,215 | |
| 220,358,418 | |
| Website: | http://www.umpquabank.com |
| Address: |
Umpqua Holdings Corporation One SW Columbia Street, Suite 1200, Portland, Oregon, 97258, United States |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| NasdaqGS | UMPQ | Common Stock | Nasdaq Global Select | US | USD | 08. Apr 1997 | |
| DB | UMQ | Common Stock | Deutsche Boerse AG | DE | EUR | 08. Apr 1997 |
Number of employees
Current staff
Industry
| Regional Banks | |
| Banks |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/03/19 23:44 |
| End of day share price update: | 2019/03/19 00:00 |
| Last estimates confirmation: | 2019/03/06 |
| Last earnings filing: | 2019/02/21 |
| Last earnings reported: | 2018/12/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
