NAS:UMPQ (USA) Also trade in: Germany

Umpqua Holdings Corp

$ 16.83 -0.36 (-2.09%)
Volume: 762,092 Avg Vol (1m): 1,620,309
Market Cap $: 3.71 Bil Enterprise Value $: 1.23 Bil
P/E (TTM): 11.94 P/B: 0.93
Earnings Power Value 10.26
Net Current Asset Value 0
Tangible Book 9.71
Projected FCF 29.98
Median P/S Value 16.6
Graham Number 17.55
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.69
Cash-To-Debt ranked lower than
67.72% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
UMPQ: 0.69
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.37, Med: 1.06, Max: 8.34
Current: 0.69
0.37
8.34
Equity-to-Asset 0.15
Equity-to-Asset ranked higher than
84.63% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
UMPQ: 0.15
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.1, Med: 0.15, Max: 0.17
Current: 0.15
0.1
0.17
Debt-to-Equity 0.32
Debt-to-Equity ranked higher than
75.09% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
UMPQ: 0.32
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.07, Med: 0.27, Max: 1.17
Current: 0.32
0.07
1.17
Beneish M-Score -2.50
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 9.13%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 26.01
Net Margin ranked higher than
52.53% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
UMPQ: 26.01
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -38.9, Med: 18.92, Max: 26.01
Current: 26.01
-38.9
26.01
ROE % 7.72
ROE ranked lower than
64.53% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
UMPQ: 7.72
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -10.89, Med: 5.74, Max: 7.88
Current: 7.72
-10.89
7.88
ROA % 1.17
ROA ranked higher than
61.16% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
UMPQ: 1.17
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -1.71, Med: 0.87, Max: 1.2
Current: 1.17
-1.71
1.2
3-Year Total Revenue Growth Rate 2.00
3-Year Revenue Growth Rate ranked lower than
70.85% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
UMPQ: 2.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -15.7, Med: 2.05, Max: 11.5
Current: 2.1
-15.7
11.5
3-Year EPS w/o NRI Growth Rate 12.30
3-Year EPS w/o NRI Growth Rate ranked higher than
68.21% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
UMPQ: 12.3
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 6.2, Max: 79.7
Current: 12.3
0
79.7

» UMPQ's 30-Y Financials

Financials (Next Earnings Date: 2019-07-19)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6029
Compare NAS:HWC NYSE:ASB NYSE:FNB NAS:FHB NAS:UBSI NYSE:TCF NAS:GBCI NYSE:BKU NAS:MBFI NAS:FFIN NAS:OZK NAS:VLY NAS:UMBF NYSE:BOH NYSE:CBU NAS:IBKC NAS:WTFC NAS:TCBI NAS:HOMB NAS:CSFL
Traded in other countries UMQ.Germany
Address One SouthWest Columbia Street, Suite 1200, Portland, OR, USA, 97258
Umpqua Holdings Corp is the parent company of Umpqua Bank, an Oregon-based community Bank with operations mostly in the Pacific Northwest region of the United States as well as Nevada. The bank provides a broad range of banking, wealth management, mortgage, and other financial services to corporate, institutional, and individual customers. Its community banking model places a high premium on innovation, specifically on its product delivery system and its service user experience. The company also owns another operating subsidiary, Umpqua Investments, a registered broker-dealer and investment advisor offering a full range of investment products and services, including various securities and planning services as well as insurance. The bank's main source of revenue is net interest income.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.94
PE Ratio ranked lower than
52.99% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
UMPQ: 11.94
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 10.31, Med: 17.54, Max: 134.56
Current: 11.94
10.31
134.56
Forward PE Ratio 10.62
Forward P/E ranked higher than
58.73% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
UMPQ: 10.62
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 11.94
PE without NRI ranked lower than
52.35% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
UMPQ: 11.94
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 10.31, Med: 17.54, Max: 134.56
Current: 11.94
10.31
134.56
Price-to-Owner-Earnings 16.71
Price-to-Owner-Earnings ranked lower than
53.59% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
UMPQ: 16.71
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 10.01, Med: 16.49, Max: 31.83
Current: 16.71
10.01
31.83
PB Ratio 0.93
PB Ratio ranked higher than
59.30% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
UMPQ: 0.93
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.33, Med: 0.89, Max: 1.38
Current: 0.93
0.33
1.38
PS Ratio 3.10
PS Ratio ranked lower than
56.40% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
UMPQ: 3.1
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.07, Med: 3.06, Max: 4.6
Current: 3.1
1.07
4.6
Price-to-Free-Cash-Flow 9.98
Price-to-Free-Cash-Flow ranked higher than
67.01% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
UMPQ: 9.98
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 3.45, Med: 9.22, Max: 874
Current: 9.98
3.45
874
Price-to-Operating-Cash-Flow 9.68
Price-to-Operating-Cash-Flow ranked higher than
63.92% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
UMPQ: 9.68
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.15, Med: 8.03, Max: 59.59
Current: 9.68
3.15
59.59
EV-to-Revenue 1.02
EV-to-Revenue ranked higher than
85.06% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
UMPQ: 1.02
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -3.9, Med: 1.6, Max: 3.6
Current: 1.02
-3.9
3.6
Shiller PE Ratio 26.83
Shiller PE Ratio ranked lower than
88.10% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
UMPQ: 26.83
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 6.34, Med: 24.06, Max: 49.77
Current: 26.83
6.34
49.77

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 4.92
Trailing Dividend Yield ranked higher than
73.48% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
UMPQ: 4.92
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.27, Med: 3.32, Max: 7.68
Current: 4.92
1.27
7.68
Dividend Payout Ratio 0.59
Dividend Payout Ratio ranked lower than
80.85% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
UMPQ: 0.59
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.37, Med: 0.62, Max: 1.33
Current: 0.59
0.37
1.33
3-Year Dividend Growth Rate (Per Share) 9.80
3-Year Dividend Growth Rate ranked lower than
58.07% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
UMPQ: 9.8
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -35.3, Med: 10.5, Max: 55.4
Current: 9.8
-35.3
55.4
Forward Dividend Yield % 4.89
Forward Dividend Yield ranked higher than
72.26% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
UMPQ: 4.89
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 6.93
Yield-on-Cost (5y) ranked higher than
83.33% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
UMPQ: 6.93
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.79, Med: 4.68, Max: 10.82
Current: 6.93
1.79
10.82

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.73
Price-to-Tangible-Book ranked lower than
79.69% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
UMPQ: 1.73
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.94, Med: 2.03, Max: 4.14
Current: 1.73
0.94
4.14
Price-to-Projected-FCF 0.56
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
65.66% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
UMPQ: 0.56
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.24, Med: 0.69, Max: 1.57
Current: 0.56
0.24
1.57
Price-to-Median-PS-Value 1.01
Price-to-Median-PS-Value ranked lower than
59.65% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
UMPQ: 1.01
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.28, Med: 1.08, Max: 1.78
Current: 1.01
0.28
1.78
Price-to-Graham-Number 0.96
Price-to-Graham-Number ranked lower than
66.33% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
UMPQ: 0.96
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.73, Med: 1.35, Max: 2.39
Current: 0.96
0.73
2.39

More Statistics

Revenue (TTM) (Mil) $ 1,197.08
EPS (TTM) $ 1.41
Beta 1.18
Volatility % 24.54
52-Week Range $ 15.09 - 24.89
Shares Outstanding (Mil) 220.48

Analyst Estimate

Piotroski F-Score Details