Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services.
No risks detected for UMPQ from our risk checks.
Flawless balance sheet 6 star dividend payer.
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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: UMPQ underperformed the US Banks industry which returned -3.1% over the past year.
Return vs Market: UMPQ underperformed the US Market which returned 5.2% over the past year.
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
1 day ago | Simply Wall StIs Umpqua Holdings Corporation (NASDAQ:UMPQ) Potentially Undervalued?
3 weeks ago | Simply Wall StHow Much Did Umpqua Holdings Corporation's (NASDAQ:UMPQ) CEO Pocket Last Year?
1 month ago | Simply Wall StWhat Kind Of Investor Owns Most Of Umpqua Holdings Corporation (NASDAQ:UMPQ)?
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 ($15.68) is trading below our estimate of fair value ($20.38)
Significantly Below Fair Value: UMPQ is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UMPQ is good value based on its PE Ratio (9.8x) compared to the Banks industry average (11.9x).
PE vs Market: UMPQ is good value based on its PE Ratio (9.8x) compared to the US market (16.9x).
Price to Earnings Growth Ratio
PEG Ratio: UMPQ is poor value based on its PEG Ratio (17.3x)
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 (1.1x).
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's forecast earnings growth (0.6% per year) is below the savings rate (1.7%).
Earnings vs Market: UMPQ's earnings (0.6% per year) are forecast to grow slower than the US market (13% per year).
High Growth Earnings: UMPQ's earnings are forecast to grow, but not significantly.
Revenue vs Market: UMPQ's revenue (2.6% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: UMPQ's revenue (2.6% 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 (8.6%).
How has Umpqua Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UMPQ has high quality earnings.
Growing Profit Margin: UMPQ's current net profit margins (29.8%) are higher than last year (27.2%).
Past Earnings Growth Analysis
Earnings Trend: UMPQ's earnings have grown by 14.1% per year over the past 5 years.
Accelerating Growth: UMPQ's earnings growth over the past year (12%) is below its 5-year average (14.1% per year).
Earnings vs Industry: UMPQ earnings growth over the past year (12%) exceeded the Banks industry 11.9%.
Return on Equity
High ROE: UMPQ's Return on Equity (8.2%) is considered low.
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
Inventory Level: UMPQ has a low level of unsold assets or inventory.
Debt Coverage by Assets: UMPQ's debt is covered by short term assets (assets are 1.2x 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 (0.3%)
What is Umpqua Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UMPQ's dividend (5.36%) is higher than the bottom 25% of dividend payers in the US market (1.59%).
High Dividend: UMPQ's dividend (5.36%) is in the top 25% of dividend payers in the US market (4.09%)
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: With its reasonable payout ratio (52.3%), 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 (55.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Cort O’Haver (56yo)
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 ($USD5.04M).
Compensation vs Earnings: Cort's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||12.8yrs||US$1.54m||0.090% $3.2m|
|Executive VP & Chief Risk Officer||4.6yrs||US$1.10m||0.036% $1.3m|
|Executive VP & Chief Strategy Officer||2.8yrs||US$1.42m||0.033% $1.2m|
|Senior Executive VP & Chief Banking Officer for Umpqua Bank||4.1yrs||US$1.66m||0.044% $1.6m|
|Principal Accounting Officer||0.08yrs||no data||0.0042% $151.1k|
|Senior VP & Director of Investor Relations||0.9yrs||no data||no data|
|Executive VP||5.8yrs||US$787.92k||0.038% $1.4m|
|EVP & Chief People Officer||2.1yrs||no data||no data|
|Executive VP & Chief Communications Officer of Umpqua Bank||9.1yrs||no data||no data|
Experienced Management: UMPQ's management team is considered experienced (3.6 years average tenure).
|Chairman Emeritus||2.1yrs||US$2.51m||no data|
|Independent Director||10.1yrs||US$140.04k||0.0040% $144.7k|
|Independent Vice Chairman of the Board||7.8yrs||US$145.03k||0.042% $1.5m|
|Chairman & Lead Independent Director||2.1yrs||US$185.02k||0.041% $1.5m|
|Independent Director||4.4yrs||US$130.05k||0.013% $458.5k|
|Independent Director||14.6yrs||US$130.05k||0.018% $648.2k|
|Independent Director||10.1yrs||US$140.06k||0.022% $795.8k|
|Independent Director||7.4yrs||US$140.04k||0.019% $689.0k|
Experienced Board: UMPQ's board of directors are considered experienced (7.5 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Umpqua Holdings Corporation's company bio, employee growth, exchange listings and data sources
- Name: Umpqua Holdings Corporation
- Ticker: UMPQ
- Exchange: NasdaqGS
- Founded: 1953
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$3.607b
- Shares outstanding: 220.23m
- Website: https://www.umpquabank.com
Number of Employees
- Umpqua Holdings Corporation
- One SW Columbia Street
- Suite 1200
- United States
|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|
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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/28 00:17|
|End of Day Share Price||2020/02/27 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.