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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 1.18
UMPQ's Cash to Debt is ranked higher than
76% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. UMPQ: 1.18 )
UMPQ' s 10-Year Cash to Debt Range
Min: 0.37   Max: 4.21
Current: 1.18

0.37
4.21
Equity to Asset 0.17
UMPQ's Equity to Asset is ranked higher than
94% of the 2016 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 4.70
UMPQ's Interest Coverage is ranked higher than
88% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. UMPQ: 4.70 )
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: 0.22
WACC vs ROIC
10.24%
5.09%
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 (%) 24.01
UMPQ's Operating margin (%) is ranked higher than
67% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. UMPQ: 24.01 )
UMPQ' s 10-Year Operating margin (%) Range
Min: -49.29   Max: 41.83
Current: 24.01

-49.29
41.83
Net-margin (%) 15.48
UMPQ's Net-margin (%) is ranked higher than
63% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. UMPQ: 15.48 )
UMPQ' s 10-Year Net-margin (%) Range
Min: -38.9   Max: 27.13
Current: 15.48

-38.9
27.13
ROE (%) 5.01
UMPQ's ROE (%) is ranked higher than
62% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. UMPQ: 5.01 )
UMPQ' s 10-Year ROE (%) Range
Min: -10.05   Max: 22.13
Current: 5.01

-10.05
22.13
ROA (%) 0.81
UMPQ's ROA (%) is ranked higher than
74% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. UMPQ: 0.81 )
UMPQ' s 10-Year ROA (%) Range
Min: -1.71   Max: 2.32
Current: 0.81

-1.71
2.32
ROC (Joel Greenblatt) (%) 87.97
UMPQ's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. UMPQ: 87.97 )
UMPQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -185.21   Max: 210.83
Current: 87.97

-185.21
210.83
Revenue Growth (3Y)(%) 4.30
UMPQ's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UMPQ: 4.30 )
UMPQ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12.8   Max: 9.7
Current: 4.3

-12.8
9.7
EBITDA Growth (3Y)(%) 8.70
UMPQ's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. UMPQ: 8.70 )
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 higher than
73% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. UMPQ: 6.70 )
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

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

Caxton Associates 176,461 sh (New)
Ken Fisher 2,581,006 sh (New)
Paul Tudor Jones 23,800 sh (+118.35%)
Chuck Royce 1,539,335 sh (+3.47%)
Joel Greenblatt Sold Out
Jim Simons 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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

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) 22.10
UMPQ's P/E(ttm) is ranked higher than
67% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. UMPQ: 22.10 )
UMPQ' s 10-Year P/E(ttm) Range
Min: 10.32   Max: 124.85
Current: 22.1

10.32
124.85
Forward P/E 12.50
UMPQ's Forward P/E is ranked higher than
77% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. UMPQ: 12.50 )
N/A
PE(NRI) 22.40
UMPQ's PE(NRI) is ranked higher than
70% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. UMPQ: 22.40 )
UMPQ' s 10-Year PE(NRI) Range
Min: 10.31   Max: 121.1
Current: 22.4

10.31
121.1
P/B 1.00
UMPQ's P/B is ranked higher than
80% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 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 3.32
UMPQ's P/S is ranked higher than
65% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. UMPQ: 3.32 )
UMPQ' s 10-Year P/S Range
Min: 1.07   Max: 6.78
Current: 3.32

1.07
6.78
PFCF 10.50
UMPQ's PFCF is ranked higher than
85% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UMPQ: 10.50 )
UMPQ' s 10-Year PFCF Range
Min: 3.44   Max: 437
Current: 10.5

3.44
437
POCF 9.07
UMPQ's POCF is ranked higher than
86% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. UMPQ: 9.07 )
UMPQ' s 10-Year POCF Range
Min: 3.17   Max: 57
Current: 9.07

3.17
57
EV-to-EBIT 15.52
UMPQ's EV-to-EBIT is ranked higher than
76% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. UMPQ: 15.52 )
UMPQ' s 10-Year EV-to-EBIT Range
Min: -37   Max: 139.6
Current: 15.52

-37
139.6
Shiller P/E 176.10
UMPQ's Shiller P/E is ranked higher than
71% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UMPQ: 176.10 )
UMPQ' s 10-Year Shiller P/E Range
Min: 5.62   Max: 301.83
Current: 176.1

5.62
301.83
Days Sales Outstanding 25.66
UMPQ's Days Sales Outstanding is ranked higher than
92% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UMPQ: 25.66 )
UMPQ' s 10-Year Days Sales Outstanding Range
Min: 21.73   Max: 54.49
Current: 25.66

21.73
54.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.55
UMPQ's Dividend Yield is ranked higher than
71% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. UMPQ: 3.55 )
UMPQ' s 10-Year Dividend Yield Range
Min: 0.78   Max: 7.68
Current: 3.55

0.78
7.68
Dividend Payout 0.76
UMPQ's Dividend Payout is ranked higher than
61% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. UMPQ: 0.76 )
UMPQ' s 10-Year Dividend Payout Range
Min: 0.13   Max: 1.33
Current: 0.76

0.13
1.33
Dividend growth (3y) 35.70
UMPQ's Dividend growth (3y) is ranked higher than
94% of the 1175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UMPQ: 35.70 )
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) 12.81
UMPQ's Yield on cost (5-Year) is ranked higher than
97% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. UMPQ: 12.81 )
UMPQ' s 10-Year Yield on cost (5-Year) Range
Min: 2.78   Max: 27.33
Current: 12.81

2.78
27.33
Share Buyback Rate -17.90
UMPQ's Share Buyback Rate is ranked higher than
55% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. UMPQ: -17.90 )
UMPQ' s 10-Year Share Buyback Rate Range
Min: -1.2   Max: -40.2
Current: -17.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
UMPQ's Price/Tangible Book is ranked higher than
63% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. UMPQ: 2.00 )
UMPQ' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 4.14
Current: 2

0.65
4.14
Price/DCF (Projected) 0.80
UMPQ's Price/DCF (Projected) is ranked higher than
83% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UMPQ: 0.80 )
UMPQ' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.57
Current: 0.8

0.46
1.57
Price/Median PS Value 1.20
UMPQ's Price/Median PS Value is ranked higher than
76% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UMPQ: 1.20 )
UMPQ' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 2.24
Current: 1.2

0.42
2.24
Price/Graham Number 1.50
UMPQ's Price/Graham Number is ranked higher than
67% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UMPQ: 1.50 )
UMPQ' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.17
Current: 1.5

0.41
2.17
Earnings Yield (Greenblatt) 6.50
UMPQ's Earnings Yield (Greenblatt) is ranked higher than
70% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UMPQ: 6.50 )
UMPQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 14.2
Current: 6.5

0.7
14.2
Forward Rate of Return (Yacktman) -6.83
UMPQ's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UMPQ: -6.83 )
UMPQ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.2   Max: 23.2
Current: -6.83

-6.2
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 UMPQ

Headlines

Articles On GuruFocus.com
Ken Fisher's Top 5 New Portfolio Stocks Jul 28 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 25 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 Files SEC form 8-K, Other Events Mar 16 2015
Umpqua Holdings Announces Quarterly Dividend Mar 16 2015
Umpqua Holdings Announces Quarterly Dividend Mar 16 2015
Umpqua Bank Advances Bank Store Concept with New Location in Portland, Ore. Mar 09 2015
Umpqua Bank Advances Bank Store Concept with New Location in Portland, Ore. Mar 09 2015
Umpqua (UMPQ) CEO Gets 35% Pay Hike on Sterling Merger - Analyst Blog Mar 05 2015
Umpqua's Ray Davis gets $1M raise after $2B deal Mar 03 2015
UMPQUA HOLDINGS CORP Financials Feb 28 2015
10-K for Umpqua Holdings Corp. Feb 25 2015
UMPQUA HOLDINGS CORP Files SEC form 10-K, Annual Report Feb 23 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Other Events Feb 17 2015
Umpqua Bank Launches E3 Business Lending Program Feb 05 2015
Umpqua Bank Launches E3 Business Lending Program Feb 05 2015
Umpqua Holdings Corp Earnings Call scheduled for 1:00 pm ET today Jan 29 2015
Umpqua misses Street 4Q forecasts Jan 28 2015
Umpqua misses Street 4Q forecasts Jan 28 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Jan 28 2015
Umpqua Reports Fourth Quarter and Full-Year 2014 Results Jan 28 2015
Q4 2014 Umpqua Holdings Corp Earnings Release - After Market Close Jan 28 2015
UMPQUA HOLDINGS CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Dec 31 2014

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