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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.05
UMPQ's Cash to Debt is ranked lower than
55% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. UMPQ: 1.05 )
Ranked among companies with meaningful Cash to Debt only.
UMPQ' s 10-Year Cash to Debt Range
Min: 0.25   Max: N/A
Current: 1.05

Equity to Asset 0.17
UMPQ's Equity to Asset is ranked higher than
89% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UMPQ: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
UMPQ' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.17
Current: 0.17

0.1
0.17
Interest Coverage 4.70
UMPQ's Interest Coverage is ranked higher than
79% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. UMPQ: 4.70 )
Ranked among companies with meaningful Interest Coverage only.
UMPQ' s 10-Year Interest Coverage Range
Min: 0.36   Max: 4.7
Current: 4.7

0.36
4.7
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
9.62%
5.21%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 24.89
UMPQ's Operating margin (%) is ranked lower than
60% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. UMPQ: 24.89 )
Ranked among companies with meaningful Operating margin (%) only.
UMPQ' s 10-Year Operating margin (%) Range
Min: -49.29   Max: 41.83
Current: 24.89

-49.29
41.83
Net-margin (%) 15.96
UMPQ's Net-margin (%) is ranked lower than
68% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. UMPQ: 15.96 )
Ranked among companies with meaningful Net-margin (%) only.
UMPQ' s 10-Year Net-margin (%) Range
Min: -38.9   Max: 27.13
Current: 15.96

-38.9
27.13
ROE (%) 5.24
UMPQ's ROE (%) is ranked lower than
71% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UMPQ: 5.24 )
Ranked among companies with meaningful ROE (%) only.
UMPQ' s 10-Year ROE (%) Range
Min: -10.05   Max: 22.13
Current: 5.24

-10.05
22.13
ROA (%) 0.86
UMPQ's ROA (%) is ranked higher than
54% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UMPQ: 0.86 )
Ranked among companies with meaningful ROA (%) only.
UMPQ' s 10-Year ROA (%) Range
Min: -1.71   Max: 2.32
Current: 0.86

-1.71
2.32
ROC (Joel Greenblatt) (%) 94.84
UMPQ's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. UMPQ: 94.84 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UMPQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -185.21   Max: 210.83
Current: 94.84

-185.21
210.83
Revenue Growth (3Y)(%) 4.30
UMPQ's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UMPQ: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UMPQ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12   Max: 22.6
Current: 4.3

-12
22.6
EBITDA Growth (3Y)(%) 8.70
UMPQ's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UMPQ: 8.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UMPQ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.3   Max: 55.7
Current: 8.7

-39.3
55.7
EPS Growth (3Y)(%) 6.70
UMPQ's EPS Growth (3Y)(%) is ranked lower than
56% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. UMPQ: 6.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UMPQ' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.7   Max: 80.4
Current: 6.7

-47.7
80.4
» UMPQ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

UMPQ Guru Trades in Q2 2014

Ken Fisher 2,581,006 sh (New)
Caxton Associates 176,461 sh (New)
Paul Tudor Jones 23,800 sh (+118.35%)
Chuck Royce 1,539,335 sh (+3.47%)
Jim Simons Sold Out
Joel Greenblatt Sold Out
David Dreman 220,376 sh (-2.04%)
» More
Q3 2014

UMPQ Guru Trades in Q3 2014

Ken Fisher 2,749,911 sh (+6.54%)
Chuck Royce 1,539,735 sh (+0.03%)
David Dreman 220,415 sh (+0.02%)
Caxton Associates 176,461 sh (unchged)
Paul Tudor Jones 20,535 sh (-13.72%)
» More
Q4 2014

UMPQ Guru Trades in Q4 2014

Jim Simons 531,878 sh (New)
Paul Tudor Jones 30,000 sh (+46.09%)
Ken Fisher 3,479,692 sh (+26.54%)
David Dreman 249,316 sh (+13.11%)
Chuck Royce 1,544,735 sh (+0.32%)
Caxton Associates 176,461 sh (unchged)
» More
Q1 2015

UMPQ Guru Trades in Q1 2015

Ken Fisher 3,880,603 sh (+11.52%)
David Dreman 253,326 sh (+1.61%)
Chuck Royce 1,558,235 sh (+0.87%)
Caxton Associates Sold Out
Paul Tudor Jones Sold Out
Jim Simons 378,578 sh (-28.82%)
» More
» Details

Insider Trades

Latest Guru Trades with UMPQ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 21.60
UMPQ's P/E(ttm) is ranked lower than
81% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UMPQ: 21.60 )
Ranked among companies with meaningful P/E(ttm) only.
UMPQ' s 10-Year P/E(ttm) Range
Min: 10.32   Max: 128.83
Current: 21.6

10.32
128.83
Forward P/E 13.32
UMPQ's Forward P/E is ranked lower than
63% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. UMPQ: 13.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.60
UMPQ's PE(NRI) is ranked lower than
81% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UMPQ: 21.60 )
Ranked among companies with meaningful PE(NRI) only.
UMPQ' s 10-Year PE(NRI) Range
Min: 10.31   Max: 134.56
Current: 21.6

10.31
134.56
P/B 1.00
UMPQ's P/B is ranked higher than
61% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UMPQ: 1.00 )
Ranked among companies with meaningful P/B only.
UMPQ' s 10-Year P/B Range
Min: 0.33   Max: 3.14
Current: 1

0.33
3.14
P/S 3.44
UMPQ's P/S is ranked lower than
61% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. UMPQ: 3.44 )
Ranked among companies with meaningful P/S only.
UMPQ' s 10-Year P/S Range
Min: 1.07   Max: 6.78
Current: 3.44

1.07
6.78
PFCF 21.60
UMPQ's PFCF is ranked lower than
79% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. UMPQ: 21.60 )
Ranked among companies with meaningful PFCF only.
UMPQ' s 10-Year PFCF Range
Min: 3.44   Max: 437
Current: 21.6

3.44
437
POCF 15.08
UMPQ's POCF is ranked lower than
74% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. UMPQ: 15.08 )
Ranked among companies with meaningful POCF only.
UMPQ' s 10-Year POCF Range
Min: 3.16   Max: 54.63
Current: 15.08

3.16
54.63
EV-to-EBIT 13.84
UMPQ's EV-to-EBIT is ranked higher than
52% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. UMPQ: 13.84 )
Ranked among companies with meaningful EV-to-EBIT only.
UMPQ' s 10-Year EV-to-EBIT Range
Min: -33.6   Max: 139.6
Current: 13.84

-33.6
139.6
Shiller P/E 94.00
UMPQ's Shiller P/E is ranked lower than
96% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. UMPQ: 94.00 )
Ranked among companies with meaningful Shiller P/E only.
UMPQ' s 10-Year Shiller P/E Range
Min: 5.62   Max: 362.2
Current: 94

5.62
362.2
Days Sales Outstanding 22.20
UMPQ's Days Sales Outstanding is ranked higher than
77% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. UMPQ: 22.20 )
Ranked among companies with meaningful Days Sales Outstanding only.
UMPQ' s 10-Year Days Sales Outstanding Range
Min: 21.73   Max: 54.49
Current: 22.2

21.73
54.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
UMPQ's Dividend Yield is ranked higher than
67% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. UMPQ: 3.40 )
Ranked among companies with meaningful Dividend Yield only.
UMPQ' s 10-Year Dividend Yield Range
Min: 0.78   Max: 7.68
Current: 3.4

0.78
7.68
Dividend Payout 0.73
UMPQ's Dividend Payout is ranked lower than
88% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UMPQ: 0.73 )
Ranked among companies with meaningful Dividend Payout only.
UMPQ' s 10-Year Dividend Payout Range
Min: 0.13   Max: 1.67
Current: 0.73

0.13
1.67
Dividend growth (3y) 35.70
UMPQ's Dividend growth (3y) is ranked higher than
87% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UMPQ: 35.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
UMPQ' s 10-Year Dividend growth (3y) Range
Min: -35.3   Max: 55.4
Current: 35.7

-35.3
55.4
Yield on cost (5-Year) 12.10
UMPQ's Yield on cost (5-Year) is ranked higher than
95% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. UMPQ: 12.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UMPQ' s 10-Year Yield on cost (5-Year) Range
Min: 2.78   Max: 27.33
Current: 12.1

2.78
27.33
Share Buyback Rate -17.90
UMPQ's Share Buyback Rate is ranked lower than
88% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. UMPQ: -17.90 )
Ranked among companies with meaningful Share Buyback Rate only.
UMPQ' s 10-Year Share Buyback Rate Range
Min: -1.2   Max: -28.2
Current: -17.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
UMPQ's Price/Tangible Book is ranked lower than
79% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UMPQ: 2.10 )
Ranked among companies with meaningful Price/Tangible Book only.
UMPQ' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 4.14
Current: 2.1

0.65
4.14
Price/DCF (Projected) 0.80
UMPQ's Price/DCF (Projected) is ranked lower than
58% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. UMPQ: 0.80 )
Ranked among companies with meaningful Price/DCF (Projected) only.
UMPQ' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.45
Current: 0.8

0.25
1.45
Price/Median PS Value 1.20
UMPQ's Price/Median PS Value is ranked lower than
59% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UMPQ: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
UMPQ' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 2.25
Current: 1.2

0.4
2.25
Price/Graham Number 1.40
UMPQ's Price/Graham Number is ranked lower than
83% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UMPQ: 1.40 )
Ranked among companies with meaningful Price/Graham Number only.
UMPQ' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.6
Current: 1.4

0.41
2.6
Earnings Yield (Greenblatt) 7.30
UMPQ's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UMPQ: 7.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
UMPQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 17.4
Current: 7.3

0.7
17.4
Forward Rate of Return (Yacktman) -6.96
UMPQ's Forward Rate of Return (Yacktman) is ranked lower than
85% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. UMPQ: -6.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
UMPQ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3   Max: 23.2
Current: -6.96

-3
23.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:UMQ.Germany,
Umpqua Holdings Corp was formed as a bank holding company in March 1999. It is a financial holding company that is engaged in the business of commercial and retail banking and the delivery of retail brokerage services. The Company provides a range of banking, wealth management, mortgage and other financial services to corporate, institutional and individual customers through its wholly-owned banking subsidiary Umpqua Bank (the Bank). The Company engages in the retail brokerage business through its wholly-owned subsidiary Umpqua Investments, Inc. (Umpqua Investments). The Bank also has a wholly-owned subsidiary, Financial Pacific Leasing Inc., a commercial equipment leasing company. The Company and its subsidiaries are subject to regulation by certain federal and state agencies and undergo periodic examination by these regulatory agencies. The Company sell its products and services from retail to mortgage and commercial customers. It offers a traditional array of deposit products, including non-interest bearing checking accounts, interest bearing checking and savings accounts, money market accounts and certificates of deposit. The broker/dealer side of Umpqua Investments offers a full range of brokerage services including equity and fixed income products, mutual funds, annuities, options and life insurance products. The Company offers loans for business and commercial customers, including accounts receivable and inventory financing, equipment loans, commercial equipment leases, international trade, real estate construction loans and permanent financing and Small Business Administration ("SBA") program financing as well as capital markets and treasury management services. Additionally, they offers specially designed loan products for small businesses through its Small Business Lending Center, and have a business banking division to increase lending to small and mid-sized businesses. Real estate loans are available for construction, purchase, and refinancing of residential owner-occupied and rental properties. Borrowers can choose from a variety of fixed and adjustable rate options and terms. They sell most residential real estate loans that they originate into the secondary market. Servicing is retained on the majority of these loans. They also support the Home Affordable Refinance Program and Home Affordable Modification Program. The Company provide loans to individual borrowers for a variety of purposes, including secured and unsecured personal loans, home equity and personal lines of credit and motor vehicle loans. The competition includes other commercial banks that are community-focused. The Company is regulated under federal and state law.
» More Articles for NAS:UMPQ

Headlines

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Ken Fisher's Top 5 New Portfolio Stocks Jul 27 2014 
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Universal Health Realty Income Trust (UHT) Yields 6.3% After Dividend Increase Jun 11 2012 
Umpqua Holdings Corp. Reports Operating Results (10-K) Feb 17 2011 
Umpqua Holdings Corp. Reports Operating Results (10-Q) Nov 03 2009 
Weekly Top Insider Buys: Bank of America Corp., Safeway Inc., Umpqua Holdings Corp., National Penn B Oct 24 2009 
Umpqua Holdings Corp. Reports Operating Results (10-Q) May 07 2009 
Umpqua Bank Announces New Asset Management Divsion Jan 13 2009 
Umpqua Holdings Corporation Schedules Fourth Quarter Earnings Conference Call for Jan. 29, 2009 Jan 07 2009 

More From Other Websites
UMPQUA HOLDINGS CORP Financials May 15 2015
Umpqua Bank’s Ron Farnsworth Named CFO of the Year May 15 2015
Umpqua Bank’s Ron Farnsworth Named CFO of the Year May 15 2015
Umpqua Bank Ranked Highest in the Northwest for Customer Satisfaction by J.D. Power May 13 2015
Umpqua Bank Ranked Highest in the Northwest for Customer Satisfaction by J.D. Power May 13 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 11 2015
10-Q for Umpqua Holdings Corp. May 09 2015
UMPQUA HOLDINGS CORP Files SEC form 10-Q, Quarterly Report May 07 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 22 2015
Umpqua Bank to Promote Dave Shotwell to Chief Credit Officer Apr 22 2015
Umpqua Bank to Promote Dave Shotwell to Chief Credit Officer Apr 22 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... Apr 17 2015
Umpqua Holdings Corp Earnings Call scheduled for 1:00 pm ET today Apr 16 2015
Umpqua misses Street 1Q forecasts Apr 15 2015
Umpqua misses Street 1Q forecasts Apr 15 2015
Umpqua Reports First Quarter 2015 Results Apr 15 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Apr 15 2015
Umpqua Reports First Quarter 2015 Results Apr 15 2015
Q1 2015 Umpqua Holdings Corp Earnings Release - After Market Close Apr 15 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Mar 30 2015

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