Umpqua Holdings
Market Cap
US$4.0b
Last Updated
2021/03/06 23:41 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. More Details
Rewards
Risk Analysis
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
6.0%
UMPQ
4.5%
US Banks
-0.4%
US Market
1 Year Return
32.4%
UMPQ
35.5%
US Banks
36.2%
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
| UMPQ | Industry | Market | |
|---|---|---|---|
| 7 Day | 6.0% | 4.5% | -0.4% |
| 30 Day | 13.3% | 12.1% | -2.3% |
| 90 Day | 23.2% | 25.4% | 5.0% |
| 1 Year | 41.4%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 Year | 40.8%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
3 weeks ago | Simply Wall St
Don't Race Out To Buy Umpqua Holdings Corporation (NASDAQ:UMPQ) Just Because It's Going Ex-Dividend2 months ago | Simply Wall St
Do Institutions Own Umpqua Holdings Corporation (NASDAQ:UMPQ) Shares?3 months ago | Simply Wall St
Is Umpqua Holdings Corporation (NASDAQ:UMPQ) A Good Dividend Stock?Valuation
Is Umpqua Holdings undervalued compared to its fair value and its price relative to the market?
14.6%
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?
123.4%
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?
-58.8%
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
Dividend
What is Umpqua Holdings's current dividend yield, its reliability and sustainability?
4.64%
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
Management
How experienced are the management team and are they aligned to shareholders interests?
6.2yrs
Average management tenure
CEO
Cort O’Haver (57 yo)
4.17yrs
Tenure
US$3,604,846
Compensation
Mr. Cort Lane O’Haver serves as Chief Executive Officer at Umpqua Bank since January 1, 2017 and was its President since April 25, 2016 until June 2020. Mr. O’Haver has been Chief Executive Officer of Umpq...
CEO Compensation Analysis
Compensation vs Market: Cort's total compensation ($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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 4.17yrs | US$3.60m | 0.21% $ 8.2m | |
| Executive VP & CFO | 13.83yrs | US$1.45m | 0.094% $ 3.8m | |
| Executive VP & Chief Risk Officer | 5.67yrs | US$1.20m | 0.041% $ 1.6m | |
| Principal Accounting Officer | 1.17yrs | no data | 0.0071% $ 284.5k | |
| Senior VP & Director of Investor Relations | 2yrs | no data | no data | |
| Executive VP | 6.92yrs | US$787.92k | 0.044% $ 1.7m | |
| EVP & Chief People Officer | 3.17yrs | no data | no data | |
| Executive VP & Chief Communications Officer of Umpqua Bank | 10.17yrs | no data | no data | |
| Executive VP & Treasurer | 16.08yrs | no data | 0.054% $ 2.1m | |
| VP & Shareholder Relations Officer | no data | no data | no data | |
| Executive VP & Head of Commercial Real Estate | 9.25yrs | no data | no data | |
| Executive VP & Chief Auditor of Umpqua Bank | 6.17yrs | no data | no data |
6.2yrs
Average Tenure
50yo
Average Age
Experienced Management: UMPQ's management team is seasoned and experienced (6.2 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 4.17yrs | US$3.60m | 0.21% $ 8.2m | |
| Director | 8.67yrs | US$142.32k | 0.026% $ 1.0m | |
| Independent Director | 6.92yrs | US$139.70k | 0.025% $ 983.2k | |
| Chairman Emeritus | 3.17yrs | US$2.51m | no data | |
| Independent Director | 11.17yrs | US$150.22k | 0.0040% $ 159.8k | |
| Independent Vice Chairman of the Board | 8.92yrs | US$151.61k | 0.048% $ 1.9m | |
| Chairman & Lead Independent Director | 3.17yrs | US$199.72k | 0.047% $ 1.9m | |
| Independent Director | 5.5yrs | US$139.70k | 0.019% $ 760.1k | |
| Independent Director | 15.67yrs | US$139.70k | 0.018% $ 715.9k | |
| Independent Director | 11.17yrs | US$154.34k | 0.027% $ 1.1m | |
| Independent Director | 8.5yrs | US$150.22k | 0.026% $ 1.0m | |
| Independent Director | 2.42yrs | US$140.17k | 0.0085% $ 339.4k |
7.7yrs
Average Tenure
56.5yo
Average Age
Experienced Board: UMPQ's board of directors are considered experienced (7.7 years average tenure).
Ownership
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: 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 | 2021/03/06 23:41 |
| End of Day Share Price | 2021/03/05 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.