UMPQUA HOLDINGS CORP (UMPQ) Stock Fundamental Analysis
USA - NASDAQ:UMPQ - US9042141039 - Common Stock
17.66 USD
-0.31 (-1.73%)
17.72 USD
+0.06 (+0.34%)
UMPQ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. UMPQ may be in some trouble as it scores bad on both profitability and health. UMPQ has a decent growth rate and is not valued too expensively. 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
UMPQ has a Return On Assets (1.06%) which is in line with its industry peers.
UMPQ has a Return On Equity of 13.58%. This is in the better half of the industry: UMPQ outperforms 62.86% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 26.53%, UMPQ is doing worse than 61.80% of the companies in the same industry.
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.
The number of shares outstanding for UMPQ remains at a similar level compared to 1 year ago.
The debt/assets ratio for UMPQ is higher compared to a year ago.
2.2 Solvency
UMPQ has a Debt/Equity ratio of 0.53. This is a neutral value indicating UMPQ is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, UMPQ is doing worse than 78.25% of the companies in the same industry.
| 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%.
The Earnings Per Share has been growing by 8.52% on average over the past years. This is quite good.
The Revenue has decreased by -0.51% in the past year.
Measured over the past years, UMPQ shows a small growth in Revenue. The Revenue has been growing by 2.10% on average per year.
EPS 1Y (TTM)-19.27%
EPS 3Y4.97%
EPS 5Y8.52%
EPS Q2Q%-7.32%
Revenue 1Y (TTM)-0.51%
Revenue growth 3Y0.24%
Revenue growth 5Y2.1%
Sales Q2Q%7.67%
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
UMPQ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 34.32% yearly.
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
The Price/Earnings ratio is 11.39, which indicates a very decent valuation of UMPQ.
Based on the Price/Earnings ratio, UMPQ is valued a bit more expensive than 74.54% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.56, UMPQ is valued rather cheaply.
A Price/Forward Earnings ratio of 6.48 indicates a rather cheap valuation of UMPQ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMPQ indicates a rather cheap valuation: UMPQ is cheaper than 83.29% of the companies listed in the same industry.
UMPQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.62, 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
UMPQ's 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.
Compared to an average industry Dividend Yield of 3.39, UMPQ pays a better dividend. On top of this UMPQ pays more dividend than 94.96% of the companies listed in the same industry.
UMPQ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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
The dividend of UMPQ is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2Y35.21%
EPS Next 3YN/A
17.66
-0.31 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners7.25%
Ins Owner ChangeN/A
Market Cap3.83B
Revenue(TTM)1.27B
Net Income(TTM)336.75M
Analysts74.55
Price Target20.38 (15.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
Yearly Dividend0.84
Dividend Growth(5Y)2.07%
DP0%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-22.54%
Min EPS beat(2)-30.04%
Max EPS beat(2)-15.03%
EPS beat(4)1
Avg EPS beat(4)-12.38%
Min EPS beat(4)-30.04%
Max EPS beat(4)6.03%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.03%
Min Revenue beat(2)-6.45%
Max Revenue beat(2)-5.61%
Revenue beat(4)1
Avg Revenue beat(4)-2.61%
Min Revenue beat(4)-6.45%
Max Revenue beat(4)2.12%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-2.12%
EPS NQ rev (1m)5.17%
EPS NQ rev (3m)12.22%
EPS NY rev (1m)0%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)-6.85%
Revenue NQ rev (3m)-11.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 6.48 | ||
| P/S | 3.02 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.55 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY8.78%
EPS(NY)2.73
Fwd EY15.44%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.85
BVpS11.42
TBVpS10.55
PEG (NY)0.15
PEG (5Y)1.34
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 13.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.53% | ||
| GM | N/A | ||
| FCFM | 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score1
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score1
WACC7.01%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.27%
EPS 3Y4.97%
EPS 5Y8.52%
EPS Q2Q%-7.32%
EPS Next Y75.87%
EPS Next 2Y35.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.51%
Revenue growth 3Y0.24%
Revenue growth 5Y2.1%
Sales Q2Q%7.67%
Revenue Next Year73.5%
Revenue Next 2Y34.32%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A
UMPQUA HOLDINGS CORP / UMPQ FAQ
What is the fundamental rating for UMPQ stock?
ChartMill assigns a fundamental rating of 3 / 10 to UMPQ.
Can you provide the valuation status for UMPQUA HOLDINGS CORP?
ChartMill assigns a valuation rating of 6 / 10 to UMPQUA HOLDINGS CORP (UMPQ). This can be considered as Fairly Valued.
What is the profitability of UMPQ stock?
UMPQUA HOLDINGS CORP (UMPQ) has a profitability rating of 1 / 10.
What is the financial health of UMPQUA HOLDINGS CORP (UMPQ) stock?
The financial health rating of UMPQUA HOLDINGS CORP (UMPQ) is 0 / 10.
What is the earnings growth outlook for UMPQUA HOLDINGS CORP?
The Earnings per Share (EPS) of UMPQUA HOLDINGS CORP (UMPQ) is expected to grow by 75.87% in the next year.