UMPQUA HOLDINGS CORP (UMPQ)
US9042141039 - Common Stock
UMPQ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of UMPQ have multiple concerns. UMPQ is not valued too expensively and it also shows a decent growth rate. Finally UMPQ also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UMPQ had positive earnings in the past year.
Of the past 5 years UMPQ 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: UMPQ reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.06%, UMPQ is in line with its industry, outperforming 43.50% of the companies in the same industry.
With a decent Return On Equity value of 13.58%, UMPQ is doing good in the industry, outperforming 62.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 13.58% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UMPQ has a worse Profit Margin (26.53%) than 61.80% of its industry peers.
In the last couple of years the Profit Margin of UMPQ has grown nicely.
UMPQ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.9%
PM growth 5Y4.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UMPQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UMPQ has about the same amount of shares outstanding.
UMPQ has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, UMPQ has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.53 indicates that UMPQ is somewhat dependend on debt financing.
The Debt to Equity ratio of UMPQ (0.53) is worse than 78.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UMPQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.27%.
UMPQ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.52% yearly.
Looking at the last year, UMPQ shows a decrease in Revenue. The Revenue has decreased by -0.51% in the last year.
UMPQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.10% yearly.
EPS 1Y (TTM)-19.27%
EPS 3Y4.97%
EPS 5Y8.52%
EPS growth Q2Q-7.32%
Revenue 1Y (TTM)-0.51%
Revenue growth 3Y0.24%
Revenue growth 5Y2.1%
Revenue growth Q2Q7.67%
3.2 Future
The Earnings Per Share is expected to grow by 35.21% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 34.32% on average over the next years. This is a very strong growth
EPS Next Y75.87%
EPS Next 2Y35.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year73.5%
Revenue Next 2Y34.32%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.39, the valuation of UMPQ can be described as very reasonable.
Based on the Price/Earnings ratio, UMPQ is valued a bit more expensive than the industry average as 74.54% of the companies are valued more cheaply.
UMPQ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.92.
With a Price/Forward Earnings ratio of 6.48, the valuation of UMPQ can be described as very cheap.
Based on the Price/Forward Earnings ratio, UMPQ is valued cheaply inside the industry as 83.29% of the companies are valued more expensively.
UMPQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 6.48 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UMPQ's earnings are expected to grow with 35.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)1.34
EPS Next 2Y35.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UMPQ has a Yearly Dividend Yield of 5.01%, which is a nice return.
UMPQ's Dividend Yield is rather good when compared to the industry average which is at 3.82. UMPQ pays more dividend than 94.96% of the companies in the same industry.
UMPQ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
5.2 History
The dividend of UMPQ has a limited annual growth rate of 2.07%.
UMPQ has paid a dividend for at least 10 years, which is a reliable track record.
UMPQ has decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.07%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
UMPQ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2Y35.21%
EPS Next 3YN/A
UMPQUA HOLDINGS CORP
NASDAQ:UMPQ (2/28/2023, 7:07:19 PM)
After market: 17.72 +0.06 (+0.34%)17.66
-0.31 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.83B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 6.48 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.15
PEG (5Y)1.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 13.58% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.53% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-19.27%
EPS 3Y4.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y75.87%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.51%
Revenue growth 3Y0.24%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y