Umpqua Holdings
Market Cap
US$3.6b
Last Updated
2019/10/23 23:48 UTC
Data Sources
Company Financials +
Executive Summary
Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services.
Snowflake
Fundamentals
Flawless balance sheet 6 star 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
Market Performance
7 Day Return
1.5%
UMPQ
2.9%
US Banks
0.07%
US Market
1 Year Return
-10.9%
UMPQ
8.6%
US Banks
8.9%
US Market
Return vs Industry: UMPQ underperformed the US Banks industry which returned 8.6% over the past year.
Return vs Market: UMPQ underperformed the US Market which returned 8.9% over the past year.
Shareholder returns
| UMPQ | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.5% | 2.9% | 0.07% |
| 30 Day | -3.3% | 3.4% | -0.3% |
| 90 Day | -6.5% | 2.1% | -1.6% |
| 1 Year | -6.2%-10.9% | 11.8%8.6% | 11.3%8.9% |
| 3 Year | 18.4%4.6% | 54.8%44.1% | 46.3%36.8% |
| 5 Year | 15.7%-5.4% | 70.2%51.6% | 62.1%44.3% |
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
3 weeks ago | Simply Wall St
Here's What Umpqua Holdings Corporation's (NASDAQ:UMPQ) P/E Ratio Is Telling Us1 month ago | Simply Wall St
How Much is Umpqua Holdings Corporation's (NASDAQ:UMPQ) CEO Getting Paid?1 month ago | Simply Wall St
How Does Investing In Umpqua Holdings Corporation (NASDAQ:UMPQ) Impact The Volatility Of Your Portfolio?Valuation
Is Umpqua Holdings undervalued compared to its fair value and its price relative to the market?
18.5%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UMPQ ($16.21) is trading below our estimate of fair value ($19.9)
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 good value based on its PE Ratio (10.2x) compared to the Banks industry average (12.6x).
PE vs Market: UMPQ is good value based on its PE Ratio (10.2x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: UMPQ's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: UMPQ is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Umpqua Holdings forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
-1.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UMPQ's earnings are forecast to decline over the next 3 years (-1.8% per year).
Earnings vs Market: UMPQ's earnings are forecast to decline over the next 3 years (-1.8% per year).
High Growth Earnings: UMPQ's earnings are forecast to decline over the next 3 years.
Revenue vs Market: UMPQ's revenue (1.5% per year) is forecast to grow slower than the US market (7.2% per year).
High Growth Revenue: UMPQ's revenue (1.5% 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 (7.8%).
Next Steps
Past Performance
How has Umpqua Holdings performed over the past 5 years?
15.3%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: UMPQ's earnings have grown by 15.3% per year over the past 5 years.
Accelerating Growth: UMPQ's earnings growth over the past year (12.7%) is below its 5-year average (15.3% per year).
Earnings vs Industry: UMPQ earnings growth over the past year (12.7%) underperformed the Banks industry 29.7%.
Return on Equity
High ROE: UMPQ's Return on Equity (8.2%) is considered low.
Return on Assets
ROA vs Industry: UMPQ has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate UMPQ's Return on Capital Employed to determine if it has improved over the past 3 years.
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
Inventory Level: UMPQ has a low level of unsold assets or inventory.
Debt Coverage by Assets: UMPQ's debt is not covered by short term assets (assets are 0.9x debt).
Financial Institutions Analysis
Asset Level: UMPQ's level of assets compared to its equity is low.
Allowance for Bad Loans: UMPQ has a sufficient allowance for bad loans.
Low Risk Liabilities: UMPQ's liabilities are made up of primarily low risk sources of funding.
Loan Level: UMPQ has an acceptable proportion of non-loan assets held.
Low Risk Deposits: UMPQ's loans are broadly funded by customer deposits.
Level of Bad Loans: UMPQ has an appropriate level of bad loans (0.31%)
Next Steps
Dividend
What is Umpqua Holdings's current dividend yield, its reliability and sustainability?
5.18%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: UMPQ's dividend (5.18%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: UMPQ's dividend (5.18%) is in the top 25% of dividend payers in the US market (3.68%)
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: With its reasonable payout ratio (52.8%), UMPQ's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UMPQ's dividends in 3 years are forecast to be covered by earnings (61.6% payout ratio).
Next Steps
Management
What is the CEO of Umpqua Holdings's salary, the management and board of directors tenure and is there insider trading?
4.0yrs
Average management tenure
CEO
Cort O’Haver (56yo)
2.8yrs
Tenure
US$3,551,514
Compensation
Mr. Cort Lane O’Haver has been the President of Umpqua Bank since April 25, 2016 and as its Chief Executive Officer since January 1, 2017. Mr. O’Haver has been Chief Executive Officer and President of Umpq ...
CEO Compensation Analysis
Compensation vs. Market: Cort's total compensation ($USD3.55M) is about average for companies of similar size in the US market ($USD5.11M).
Compensation vs Earnings: Cort's compensation has been consistent with company performance over the past year.
Management Age and Tenure
4.0yrs
Average Tenure
50yo
Average Age
Experienced Management: UMPQ's management team is considered experienced (4 years average tenure).
Board Age and Tenure
7.2yrs
Average Tenure
58.5yo
Average Age
Experienced Board: UMPQ's board of directors are considered experienced (7.2 years average tenure).
Insider Trading
Insider Buying: UMPQ insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Other Key Executive Senior Executive VP & Chief Banking Officer for Umpqua Bank |
| Shares | 5,303 |
| Max Price | US$15.32 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 10,000 |
| Max Price | US$16.77 |
Ownership Breakdown
Management Team
Ron Farnsworth (48yo)
Executive VP & CFO
- Tenure: 12.4yrs
- Compensation: US$1.54m
Neal McLaughlin (50yo)
Principal Accounting Officer
- Tenure: 12.4yrs
David Shotwell (60yo)
Executive VP & Chief Risk Officer
- Tenure: 4.3yrs
- Compensation: US$1.10m
Cort O’Haver (56yo)
President
- Tenure: 2.8yrs
- Compensation: US$3.55m
Rilla Delorier (52yo)
Executive VP & Chief Strategy Officer
- Tenure: 2.5yrs
- Compensation: US$1.42m
Eve Callahan (45yo)
Executive VP & Chief Communications Officer of Umpqua Bank
- Tenure: 8.8yrs
Andrew Ognall (47yo)
Executive VP
- Tenure: 5.5yrs
- Compensation: US$787.92k
Tory Nixon (57yo)
Senior Executive VP & Chief Banking Officer for Umpqua Bank
- Tenure: 3.8yrs
- Compensation: US$1.66m
Sheri Burns (49yo)
EVP & Chief People Officer
- Tenure: 1.8yrs
Drew Anderson
Senior VP & Director of Investor Relations
- Tenure: 0.6yrs
Board Members
Jim Greene (65yo)
Director
- Tenure: 7.3yrs
- Compensation: US$140.04k
Ray Davis (69yo)
Chairman Emeritus
- Tenure: 1.8yrs
- Compensation: US$2.51m
Luis Machuca (61yo)
Independent Director
- Tenure: 9.8yrs
- Compensation: US$140.04k
Bryan Timm (55yo)
Independent Vice Chairman of the Board
- Tenure: 7.5yrs
- Compensation: US$145.03k
Peggy Fowler (67yo)
Chairman & Lead Independent Director
- Tenure: 1.8yrs
- Compensation: US$185.02k
John Schultz (55yo)
Independent Director
- Tenure: 4.1yrs
- Compensation: US$130.05k
Stephen Gambee (55yo)
Director
- Tenure: 14.3yrs
- Compensation: US$130.05k
Hilliard Terry (49yo)
Independent Director
- Tenure: 9.8yrs
- Compensation: US$140.06k
Cort O’Haver (56yo)
President
- Tenure: 2.8yrs
- Compensation: US$3.55m
Susan Stevens (68yo)
Independent Director
- Tenure: 7.1yrs
- Compensation: US$140.04k
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$3.570b
- Shares outstanding: 220.21m
- Website: https://www.umpquabank.com
Number of Employees
Location
- Umpqua Holdings Corporation
- One SW Columbia Street
- Suite 1200
- Portland
- Oregon
- 97258
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| UMPQ | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Apr 1997 |
| UMQ | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Apr 1997 |
Biography
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/23 23:48 |
| End of Day Share Price | 2019/10/23 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
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.