Stock Analysis Report

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Executive Summary

Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services. More Details

Snowflake Analysis

Flawless balance sheet established dividend payer.

Similar Companies

Share Price & News

How has Umpqua Holdings's share price performed over time and what events caused price changes?

Latest Share Price and Events

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.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: UMPQ underperformed the US Banks industry which returned 35.4% over the past year.

Return vs Market: UMPQ underperformed the US Market which returned 36.3% over the past year.

Shareholder returns

7 Day6.0%4.5%-0.4%
30 Day13.3%12.1%-2.3%
90 Day23.2%25.4%5.0%
1 Year41.4%32.4%40.3%35.5%39.1%36.2%
3 Year-8.5%-21.8%13.1%3.4%48.4%39.0%
5 Year40.8%11.5%100.7%75.2%116.6%92.4%

Long-Term Price Volatility Vs. Market

How volatile is Umpqua Holdings's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Umpqua Holdings undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: UMPQ ($18.09) is trading below our estimate of fair value ($21.19)

Significantly Below Fair Value: UMPQ is trading below fair value, but not by a significant amount.

Price To Earnings Ratio

PE vs Industry: UMPQ is unprofitable, so we can't compare its PE Ratio to the US Banks industry average.

PE vs Market: UMPQ is unprofitable, so we can't compare its PE Ratio to the US market.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate UMPQ's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: UMPQ is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.1x).

Next Steps

Future Growth

How is Umpqua Holdings forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UMPQ is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2%).

Earnings vs Market: UMPQ is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: UMPQ's is expected to become profitable in the next 3 years.

Revenue vs Market: UMPQ's revenue (5.2% per year) is forecast to grow slower than the US market (10% per year).

High Growth Revenue: UMPQ's revenue (5.2% per year) is forecast to grow slower 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 (12.1%).

Next Steps

Past Performance

How has Umpqua Holdings performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: UMPQ is currently unprofitable.

Growing Profit Margin: UMPQ is currently unprofitable.

Past Earnings Growth Analysis

Earnings Trend: UMPQ is unprofitable, and losses have increased over the past 5 years at a rate of 58.8% per year.

Accelerating Growth: Unable to compare UMPQ's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: UMPQ is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (0.5%).

Return on Equity

High ROE: UMPQ has a negative Return on Equity (-56.33%), as it is currently unprofitable.

Next Steps

Financial Health

How is Umpqua Holdings's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: UMPQ's Assets to Equity ratio (10.8x) is moderate.

Allowance for Bad Loans: UMPQ has a sufficient allowance for bad loans (487%).

Low Risk Liabilities: 93% 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 (73%).

Low Risk Deposits: UMPQ's Loans to Deposits ratio (87%) is appropriate.

Level of Bad Loans: UMPQ has an appropriate level of bad loans (0.3%).

Next Steps


What is Umpqua Holdings's current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: UMPQ's dividend (4.64%) is higher than the bottom 25% of dividend payers in the US market (1.31%).

High Dividend: UMPQ's dividend (4.64%) is in the top 25% of dividend payers in the US market (3.64%)

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

Dividend Coverage: UMPQ is paying a dividend but the company is unprofitable.

Future Payout to Shareholders

Future Dividend Coverage: UMPQ's dividends in 3 years are forecast to be covered by earnings (51.8% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Cort O’Haver (57 yo)





Mr. Cort Lane O’Haver serves as Chief Executive Officer at Umpqua Bank since January 1, 2017 and was its President since April 25, 2016 until June 2020. Mr. O’Haver has been Chief Executive Officer of Umpq...

CEO Compensation Analysis

Compensation vs Market: Cort's total compensation ($USD3.60M) is about average for companies of similar size in the US market ($USD5.00M).

Compensation vs Earnings: Cort's compensation has increased whilst the company is unprofitable.

Leadership Team

Cort O’Haver
CEO & Director4.17yrsUS$3.60m0.21%
$ 8.2m
Ronald Farnsworth
Executive VP & CFO13.83yrsUS$1.45m0.094%
$ 3.8m
David Shotwell
Executive VP & Chief Risk Officer5.67yrsUS$1.20m0.041%
$ 1.6m
Lisa White
Principal Accounting Officer1.17yrsno data0.0071%
$ 284.5k
Drew Anderson
Senior VP & Director of Investor Relations2yrsno datano data
Andrew Ognall
Executive VP6.92yrsUS$787.92k0.044%
$ 1.7m
Sheri Burns
EVP & Chief People Officer3.17yrsno datano data
Eve Callahan
Executive VP & Chief Communications Officer of Umpqua Bank10.17yrsno datano data
Neal McLaughlin
Executive VP & Treasurer16.08yrsno data0.054%
$ 2.1m
Michelle Bressman
VP & Shareholder Relations Officerno datano datano data
John Swanson
Executive VP & Head of Commercial Real Estate9.25yrsno datano data
Joel Brandenburg
Executive VP & Chief Auditor of Umpqua Bank6.17yrsno datano data


Average Tenure


Average Age

Experienced Management: UMPQ's management team is seasoned and experienced (6.2 years average tenure).

Board Members

Cort O’Haver
CEO & Director4.17yrsUS$3.60m0.21%
$ 8.2m
James Greene
$ 1.0m
Maria Pope
Independent Director6.92yrsUS$139.70k0.025%
$ 983.2k
Raymond Davis
Chairman Emeritus3.17yrsUS$2.51mno data
Luis Machuca
Independent Director11.17yrsUS$150.22k0.0040%
$ 159.8k
Bryan Timm
Independent Vice Chairman of the Board8.92yrsUS$151.61k0.048%
$ 1.9m
Peggy Fowler
Chairman & Lead Independent Director3.17yrsUS$199.72k0.047%
$ 1.9m
John Schultz
Independent Director5.5yrsUS$139.70k0.019%
$ 760.1k
Stephen Gambee
Independent Director15.67yrsUS$139.70k0.018%
$ 715.9k
Hilliard Terry
Independent Director11.17yrsUS$154.34k0.027%
$ 1.1m
Susan Stevens
Independent Director8.5yrsUS$150.22k0.026%
$ 1.0m
Anddria Varnado
Independent Director2.42yrsUS$140.17k0.0085%
$ 339.4k


Average Tenure


Average Age

Experienced Board: UMPQ's board of directors are considered experienced (7.7 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Umpqua Holdings Corporation's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Umpqua Holdings Corporation
  • Ticker: UMPQ
  • Exchange: NasdaqGS
  • Founded: 1953
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$3.984b
  • Shares outstanding: 220.23m
  • Website:

Number of Employees


  • Umpqua Holdings Corporation
  • One SW Columbia Street
  • Suite 1200
  • Portland
  • Oregon
  • 97258
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UMPQNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDApr 1997
UMQDB (Deutsche Boerse AG)YesCommon StockDEEURApr 1997


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, Wea...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/03/06 23:41
End of Day Share Price2021/03/05 00:00
Annual Earnings2020/12/31

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.