UMPQ Stock Overview
Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking services.
No risks detected for UMPQ from our risk checks.
Umpqua Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$17.31|
|52 Week High||US$22.06|
|52 Week Low||US$15.77|
|1 Month Change||0.058%|
|3 Month Change||-13.41%|
|1 Year Change||-8.56%|
|3 Year Change||4.34%|
|5 Year Change||-5.72%|
|Change since IPO||207.73%|
Recent News & Updates
Umpqua Holdings (NASDAQ:UMPQ) Will Pay A Dividend Of US$0.21
The board of Umpqua Holdings Corporation ( NASDAQ:UMPQ ) has announced that it will pay a dividend of US$0.21 per share...
|UMPQ||US Banks||US Market|
Return vs Industry: UMPQ exceeded the US Banks industry which returned -17.7% over the past year.
Return vs Market: UMPQ exceeded the US Market which returned -18.5% over the past year.
|UMPQ Average Weekly Movement||5.3%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: UMPQ is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: UMPQ's weekly volatility (5%) has been stable over the past year.
About the Company
Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. 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.
Umpqua Holdings Fundamentals Summary
|UMPQ fundamental statistics|
Is UMPQ overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UMPQ income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.86|
|Net Profit Margin||31.24%|
How did UMPQ perform over the long term?See historical performance and comparison
4.9%Current Dividend Yield
Is UMPQ undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 6/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for UMPQ?
Other financial metrics that can be useful for relative valuation.
|What is UMPQ's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does UMPQ's PE Ratio compare to its peers?
|UMPQ PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: UMPQ is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (15.7x).
Price to Earnings Ratio vs Industry
How does UMPQ's PE Ratio compare vs other companies in the U.S. Banks Industry?
Price-To-Earnings vs Industry: UMPQ is good value based on its Price-To-Earnings Ratio (9.3x) compared to the US Banks industry average (9.6x)
Price to Earnings Ratio vs Fair Ratio
What is UMPQ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.3x|
|Fair PE Ratio||22.9x|
Price-To-Earnings vs Fair Ratio: UMPQ is good value based on its Price-To-Earnings Ratio (9.3x) compared to the estimated Fair Price-To-Earnings Ratio (22.9x).
Share Price vs Fair Value
What is the Fair Price of UMPQ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: UMPQ ($17.31) is trading below our estimate of fair value ($64.96)
Significantly Below Fair Value: UMPQ is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: UMPQ is good value based on its PEG Ratio (0.2x)
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How is Umpqua Holdings forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UMPQ's forecast earnings growth (39.3% per year) is above the savings rate (1.9%).
Earnings vs Market: UMPQ's earnings (39.3% per year) are forecast to grow faster than the US market (14% per year).
High Growth Earnings: UMPQ's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: UMPQ's revenue (20.6% per year) is forecast to grow faster than the US market (8.4% per year).
High Growth Revenue: UMPQ's revenue (20.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UMPQ's Return on Equity is forecast to be low in 3 years time (13.3%).
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How has Umpqua Holdings performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UMPQ has high quality earnings.
Growing Profit Margin: UMPQ's current net profit margins (31.2%) are lower than last year (34.1%).
Past Earnings Growth Analysis
Earnings Trend: UMPQ's earnings have declined by 16.4% per year over the past 5 years.
Accelerating Growth: UMPQ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UMPQ had negative earnings growth (-7.5%) over the past year, making it difficult to compare to the Banks industry average (20.7%).
Return on Equity
High ROE: UMPQ's Return on Equity (15.5%) is considered low.
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How is Umpqua Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UMPQ's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: UMPQ has a sufficient allowance for bad loans (597%).
Low Risk Liabilities: 95% of UMPQ's liabilities are made up of primarily low risk sources of funding.
Loan Level: UMPQ has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: UMPQ's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: UMPQ has an appropriate level of bad loans (0.2%).
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What is Umpqua Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 6/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UMPQ's dividend (4.85%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: UMPQ's dividend (4.85%) is in the top 25% of dividend payers in the US market (4.24%)
Stability and Growth of Payments
Stable Dividend: UMPQ's dividends per share have been stable in the past 10 years.
Growing Dividend: UMPQ's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (34%), UMPQ's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UMPQ's dividends in 3 years are forecast to be well covered by earnings (32.9% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Cort O’Haver (58 yo)
Mr. Cort Lane O’Haver serves as Chief Executive Officer & President at Umpqua Bank. Mr. O’Haver has been Chief Executive Officer of Umpqua Holdings Corporation since January 1, 2017 and was President of Um...
CEO Compensation Analysis
Compensation vs Market: Cort's total compensation ($USD4.76M) is below average for companies of similar size in the US market ($USD6.89M).
Compensation vs Earnings: Cort's compensation has been consistent with company performance over the past year.
Experienced Management: UMPQ's management team is seasoned and experienced (7.5 years average tenure).
Experienced Board: UMPQ's board of directors are considered experienced (9.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UMPQ insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Umpqua Holdings Corporation's employee growth, exchange listings and data sources
- Name: Umpqua Holdings Corporation
- Ticker: UMPQ
- Exchange: NasdaqGS
- Founded: 1953
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$3.757b
- Shares outstanding: 217.05m
- Website: https://www.umpquabank.com
Number of Employees
- Umpqua Holdings Corporation
- One SW Columbia Street
- Suite 1200
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.