NasdaqGS:UMPQ

Stock Analysis Report

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

1.1%

NasdaqGS:UMPQ

1.4%

US Banks

-0.02%

US Market


1 Year Return

-22.1%

NasdaqGS:UMPQ

-5.6%

US Banks

1.6%

US Market

UMPQ underperformed the Banks industry which returned -4.5% over the past year.

UMPQ underperformed the Market in United States of America which returned 1.9% over the past year.


Share holder returns

UMPQIndustryMarket
7 Day1.1%1.4%-0.02%
30 Day6.7%8.6%2.7%
90 Day4.4%5.7%1.4%
1 Year-18.2%-22.1%-2.9%-5.6%3.8%1.6%
3 Year27.4%12.7%55.3%44.6%45.2%35.8%
5 Year23.7%1.5%63.9%46.1%61.8%44.1%

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

Valuation

Is Umpqua Holdings undervalued based on future cash flows and its price relative to the stock market?

18%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Umpqua Holdings's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Umpqua Holdings's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Umpqua Holdings is good value based on earnings compared to the US Banks industry average.

Umpqua Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Umpqua Holdings is poor value based on expected growth next year.


Price Based on Value of Assets

Umpqua Holdings is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Umpqua Holdings expected to perform in the next 1 to 3 years based on estimates from 10 analysts?

1.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Umpqua Holdings's revenue is expected to grow by 2.5% yearly, however this is not considered high growth (20% yearly).

Umpqua Holdings's earnings are expected to grow by 1.2% yearly, however this is not considered high growth (20% yearly).

Umpqua Holdings's revenue growth is positive but not above the United States of America market average.

Umpqua Holdings's earnings growth is positive but not above the United States of America market average.

Umpqua Holdings's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Umpqua Holdings is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Umpqua Holdings performed over the past 5 years?

17.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Umpqua Holdings's year on year earnings growth rate has been positive over the past 5 years.

Umpqua Holdings's 1-year earnings growth exceeds its 5-year average (25.7% vs 17.1%)

Umpqua Holdings's earnings growth has not exceeded the US Banks industry average in the past year (25.7% vs 31.7%).


Return on Equity

Umpqua Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Umpqua Holdings used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Umpqua Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

Umpqua Holdings has an acceptable proportion of non-loan assets held.

Umpqua Holdings has a sufficient allowance for bad loans.

Umpqua Holdings's liabilities are made up of primarily low risk sources of funding.

Umpqua Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Umpqua Holdings are broadly funded by customer deposits.

Umpqua Holdings has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

5.18%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Umpqua Holdings before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Umpqua Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).

Umpqua Holdings's dividend is above the markets top 25% of dividend payers in United States of America (3.69%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.9x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.8x coverage).


Next Steps

Management

What is the CEO of Umpqua Holdings's salary, the management and board of directors tenure and is there insider trading?

3.9yrs

Average management tenure


CEO

Cort O’Haver (56yo)

2.7yrs

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

Cort's remuneration is lower than average for companies of similar size in United States of America.

Cort's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.9yrs

Average Tenure

50yo

Average Age

The tenure for the Umpqua Holdings management team is about average.


Board Age and Tenure

7.1yrs

Average Tenure

58.5yo

Average Age

The tenure for the Umpqua Holdings board of directors is about average.


Insider Trading

Umpqua Holdings individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$81,19105 Sep 19
Torran Nixon
EntityIndividual
Role
Other Key Executive
Senior Executive VP & Chief Banking Officer for Umpqua Bank
Shares5,303
Max PriceUS$15.32
SellUS$167,70024 Jul 19
Luis Machuca
EntityIndividual
Role
Member of the Board of Directors
Director
Shares10,000
Max PriceUS$16.77

Ownership Breakdown


Management Team

  • Ron Farnsworth (48yo)

    Executive VP & CFO

    • Tenure: 12.3yrs
    • Compensation: US$1.54m
  • Neal McLaughlin (50yo)

    Principal Accounting Officer

    • Tenure: 12.3yrs
  • David Shotwell (60yo)

    Executive VP & Chief Risk Officer

    • Tenure: 4.2yrs
    • Compensation: US$1.10m
  • Cort O’Haver (56yo)

    President

    • Tenure: 2.7yrs
    • Compensation: US$3.55m
  • Rilla Delorier (52yo)

    Executive VP & Chief Strategy Officer

    • Tenure: 2.4yrs
    • Compensation: US$1.42m
  • Eve Callahan (45yo)

    Executive VP & Chief Communications Officer of Umpqua Bank

    • Tenure: 8.7yrs
  • Andrew Ognall (47yo)

    Executive VP

    • Tenure: 5.4yrs
    • Compensation: US$787.92k
  • Tory Nixon (57yo)

    Senior Executive VP & Chief Banking Officer for Umpqua Bank

    • Tenure: 3.7yrs
    • Compensation: US$1.66m
  • Sheri Burns (49yo)

    EVP & Chief People Officer

    • Tenure: 1.7yrs
  • Drew Anderson

    Senior VP & Director of Investor Relations

    • Tenure: 0.5yrs

Board Members

  • Jim Greene (65yo)

    Director

    • Tenure: 7.2yrs
    • Compensation: US$140.04k
  • Ray Davis (69yo)

    Chairman Emeritus

    • Tenure: 1.7yrs
    • Compensation: US$2.51m
  • Luis Machuca (61yo)

    Director

    • Tenure: 9.7yrs
    • Compensation: US$140.04k
  • Bryan Timm (55yo)

    Vice Chairman of the Board

    • Tenure: 7.4yrs
    • Compensation: US$145.03k
  • Peggy Fowler (67yo)

    Chairman & Lead Independent Director

    • Tenure: 1.7yrs
    • Compensation: US$185.02k
  • John Schultz (55yo)

    Director

    • Tenure: 4yrs
    • Compensation: US$130.05k
  • Stephen Gambee (55yo)

    Director

    • Tenure: 14.2yrs
    • Compensation: US$130.05k
  • Hilliard Terry (49yo)

    Director

    • Tenure: 9.7yrs
    • Compensation: US$140.06k
  • Cort O’Haver (56yo)

    President

    • Tenure: 2.7yrs
    • Compensation: US$3.55m
  • Susan Stevens (68yo)

    Director

    • Tenure: 7yrs
    • 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$3.741b
  • Shares outstanding: 220.20m
  • Website: https://www.umpquabank.com

Number of Employees


Location

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

Listings

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/18 23:43
End of Day Share Price2019/09/18 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.