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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 1.03
UMPQ's Cash to Debt is ranked higher than
74% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UMPQ: 1.03 )
UMPQ' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 1.03

Equity to Asset 0.17
UMPQ's Equity to Asset is ranked higher than
94% of the 1967 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UMPQ: 0.17 )
UMPQ' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.17
Current: 0.17

0.1
0.17
Interest Coverage 3.99
UMPQ's Interest Coverage is ranked higher than
88% of the 1806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. UMPQ: 3.99 )
UMPQ' s 10-Year Interest Coverage Range
Min: 0.36   Max: 3.99
Current: 3.99

0.36
3.99
F-Score: 5
Z-Score: 0.20
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 (%) 22.91
UMPQ's Operating margin (%) is ranked higher than
65% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.56 vs. UMPQ: 22.91 )
UMPQ' s 10-Year Operating margin (%) Range
Min: -49.29   Max: 41.83
Current: 22.91

-49.29
41.83
Net-margin (%) 14.81
UMPQ's Net-margin (%) is ranked higher than
62% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.62 vs. UMPQ: 14.81 )
UMPQ' s 10-Year Net-margin (%) Range
Min: -38.9   Max: 27.13
Current: 14.81

-38.9
27.13
ROE (%) 4.75
UMPQ's ROE (%) is ranked higher than
61% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. UMPQ: 4.75 )
UMPQ' s 10-Year ROE (%) Range
Min: -10.05   Max: 15.36
Current: 4.75

-10.05
15.36
ROA (%) 0.76
UMPQ's ROA (%) is ranked higher than
72% of the 1992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UMPQ: 0.76 )
UMPQ' s 10-Year ROA (%) Range
Min: -1.71   Max: 1.51
Current: 0.76

-1.71
1.51
ROC (Joel Greenblatt) (%) 80.45
UMPQ's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 1960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.50 vs. UMPQ: 80.45 )
UMPQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -185.21   Max: 160.4
Current: 80.45

-185.21
160.4
Revenue Growth (3Y)(%) 2.50
UMPQ's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UMPQ: 2.50 )
UMPQ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.4   Max: 61.9
Current: 2.5

-11.4
61.9
EBITDA Growth (3Y)(%) 55.70
UMPQ's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UMPQ: 55.70 )
UMPQ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.3   Max: 55.9
Current: 55.7

-39.3
55.9
EPS Growth (3Y)(%) 80.40
UMPQ's EPS Growth (3Y)(%) is ranked higher than
98% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. UMPQ: 80.40 )
UMPQ' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.7   Max: 80.4
Current: 80.4

-47.7
80.4
» UMPQ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

UMPQ Guru Trades in Q4 2013

Jim Simons 1,406,219 sh (+101.2%)
David Dreman 217,995 sh (+14.17%)
Chuck Royce 1,423,600 sh (-10.1%)
Joel Greenblatt 19,267 sh (-26.69%)
Paul Tudor Jones 12,000 sh (-79.87%)
» More
Q1 2014

UMPQ Guru Trades in Q1 2014

Chuck Royce 1,487,735 sh (+4.51%)
David Dreman 224,959 sh (+3.19%)
Paul Tudor Jones 10,900 sh (-9.17%)
Joel Greenblatt 13,982 sh (-27.43%)
Jim Simons 809,819 sh (-42.41%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2014-06-30 New Buy0.1%$15.99 - $19.28 $ 17.24-1%2581006
Joel Greenblatt 2014-06-30 Sold Out $15.99 - $19.28 $ 17.24-1%0
Joel Greenblatt 2014-03-31 Reduce -27.43%$16.64 - $19.33 $ 17.24-5%13982
Joel Greenblatt 2013-12-31 Reduce -26.69%$16.13 - $19.44 $ 17.24-2%19267
David Dreman 2013-09-30 Reduce -71.2%0.21%$15.42 - $17.45 $ 17.244%190934
David Dreman 2013-06-30 Add 86.99%$11.75 - $15.2 $ 17.2430%662872
Joel Greenblatt 2013-03-31 Add 27.96%$11.79 - $13.52 $ 17.2434%22581
Joel Greenblatt 2012-12-31 New Buy0.01%$11.33 - $12.74 $ 17.2444%17647
Joel Greenblatt 2012-12-31 New Buy0.01%$11.33 - $12.74 $ 17.2444%17647
Richard Snow 2012-06-30 Sold Out 0.01%$12.06 - $13.57 $ 17.2434%0
Richard Snow 2012-03-31 Reduce -67.4%0.01%$11.75 - $13.66 $ 17.2444%10292
Richard Snow 2011-12-31 Reduce -86.94%0.1%$8.51 - $12.76 $ 17.2451%31572
David Dreman 2011-12-31 New Buy0.1%$8.51 - $12.76 $ 17.2451%372111
George Soros 2011-12-31 Sold Out 0.0022%$8.51 - $12.76 $ 17.2451%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Top Ranked Articles about Umpqua Holdings Corp

Ken Fisher's Top 5 New Portfolio Stocks
Ken Fisher (Trades, Portfolio), founder of $44 billion Fisher Investments, writes a regular column for Forbes in which he stated in June that he is excited for the stock market because of what he calls the “midterm election year fourth-quarter effect.” Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 22.70
UMPQ's P/E(ttm) is ranked higher than
70% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.50 vs. UMPQ: 22.70 )
UMPQ' s 10-Year P/E(ttm) Range
Min: 10.32   Max: 128.83
Current: 22.7

10.32
128.83
P/B 1.00
UMPQ's P/B is ranked higher than
83% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. UMPQ: 1.00 )
UMPQ' s 10-Year P/B Range
Min: 0.33   Max: 3.14
Current: 1

0.33
3.14
P/S 3.45
UMPQ's P/S is ranked higher than
75% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.69 vs. UMPQ: 3.45 )
UMPQ' s 10-Year P/S Range
Min: 1.1   Max: 5.11
Current: 3.45

1.1
5.11
PFCF 10.14
UMPQ's PFCF is ranked higher than
87% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMPQ: 10.14 )
UMPQ' s 10-Year PFCF Range
Min: 3.44   Max: 437
Current: 10.14

3.44
437
EV-to-EBIT 19.93
UMPQ's EV-to-EBIT is ranked higher than
71% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.04 vs. UMPQ: 19.93 )
UMPQ' s 10-Year EV-to-EBIT Range
Min: -37   Max: 139.6
Current: 19.93

-37
139.6
Shiller P/E 269.95
UMPQ's Shiller P/E is ranked higher than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMPQ: 269.95 )
UMPQ' s 10-Year Shiller P/E Range
Min: 5.62   Max: 301.83
Current: 269.95

5.62
301.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.48
UMPQ's Dividend Yield is ranked higher than
74% of the 1885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.29 vs. UMPQ: 3.48 )
UMPQ' s 10-Year Dividend Yield Range
Min: 0.75   Max: 7.68
Current: 3.48

0.75
7.68
Dividend Payout 0.80
UMPQ's Dividend Payout is ranked higher than
60% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. UMPQ: 0.80 )
UMPQ' s 10-Year Dividend Payout Range
Min: 0.13   Max: 1.67
Current: 0.8

0.13
1.67
Dividend growth (3y) 40.10
UMPQ's Dividend growth (3y) is ranked higher than
95% of the 1109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. UMPQ: 40.10 )
UMPQ' s 10-Year Dividend growth (3y) Range
Min: -35.3   Max: 55.4
Current: 40.1

-35.3
55.4
Yield on cost (5-Year) 12.55
UMPQ's Yield on cost (5-Year) is ranked higher than
95% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.54 vs. UMPQ: 12.55 )
UMPQ' s 10-Year Yield on cost (5-Year) Range
Min: 2.69   Max: 27.54
Current: 12.55

2.69
27.54
Share Buyback Rate -1.20
UMPQ's Share Buyback Rate is ranked higher than
75% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UMPQ: -1.20 )
UMPQ' s 10-Year Share Buyback Rate Range
Min: -1.2   Max: -28.2
Current: -1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
UMPQ's Price/Tangible Book is ranked higher than
67% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. UMPQ: 2.10 )
UMPQ' s 10-Year Price/Tangible Book Range
Min: 0.94   Max: 5.66
Current: 2.1

0.94
5.66
Price/DCF (Projected) 0.81
UMPQ's Price/DCF (Projected) is ranked higher than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.06 vs. UMPQ: 0.81 )
UMPQ' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.49
Current: 0.81

0.25
1.49
Price/Median PS Value 1.18
UMPQ's Price/Median PS Value is ranked higher than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UMPQ: 1.18 )
UMPQ' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 1.88
Current: 1.18

0.41
1.88
Price/Graham Number 1.70
UMPQ's Price/Graham Number is ranked higher than
67% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. UMPQ: 1.70 )
UMPQ' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 2.56
Current: 1.7

0.56
2.56
Earnings Yield (Greenblatt) 5.00
UMPQ's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UMPQ: 5.00 )
UMPQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 14.2
Current: 5

0.7
14.2
Forward Rate of Return (Yacktman) -6.36
UMPQ's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. UMPQ: -6.36 )
UMPQ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.2   Max: 33.7
Current: -6.36

-2.2
33.7

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 UMPQ

Headlines

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Ken Fisher's Top 5 New Portfolio Stocks Jul 27 2014 
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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
Keefe, Bruyette & Woods: Umpqua A 'Holiday Opportunity,' Valuation Compelling Dec 26 2014
UMPQUA HOLDINGS CORP Files SEC form 8-K, Other Events Dec 16 2014
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UMPQUA HOLDINGS CORP Financials Nov 14 2014
Umpqua Bank Launches Exhibit:Growth Nov 14 2014
Umpqua Bank Launches Exhibit:Growth Nov 14 2014
10-Q for Umpqua Holdings Corp. Nov 09 2014
UMPQUA HOLDINGS CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 07 2014
Storm The Castle Stock Of The Day: Umpqua Holdings (UMPQ) Nov 05 2014
Umpqua Holdings Corporation Announces Pricing of Secondary Re-Offering Nov 04 2014
Umpqua Holdings Corporation Announces Pricing of Secondary Re-Offering Nov 04 2014
UMPQUA HOLDINGS CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 04 2014
Umpqua Holdings Corporation Announces Secondary Offering of Shares Nov 03 2014
Umpqua Holdings Corporation Announces Secondary Offering of Shares Nov 03 2014
Umpqua posts 3Q profit Oct 16 2014
Umpqua Holdings Corp Earnings Call scheduled for 1:00 pm ET today Oct 16 2014
Umpqua posts 3Q profit Oct 15 2014

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