UMPQUA HOLDINGS CORP (UMPQ) Stock Fundamental Analysis

NASDAQ:UMPQ • US9042141039

17.66 USD
-0.31 (-1.73%)
At close: Feb 28, 2023
17.72 USD
+0.06 (+0.34%)
After Hours: 2/28/2023, 8:07:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall UMPQ gets a fundamental rating of 3 out of 10. We evaluated UMPQ against 381 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. Finally UMPQ also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year UMPQ was profitable.
UMPQ Yearly Net Income VS EBIT VS OCF VS FCFUMPQ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B -1.5B

1.2 Ratios

  • The Return On Assets of UMPQ (1.06%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 13.58%, UMPQ is in the better half of the industry, outperforming 62.86% of the companies in the same industry.
Industry RankSector 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
UMPQ Yearly ROA, ROE, ROICUMPQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 -20 -40

1.3 Margins

  • With a Profit Margin value of 26.53%, UMPQ is not doing good in the industry: 61.80% of the companies in the same industry are doing better.
  • UMPQ's Profit Margin has improved in the last couple of years.
  • UMPQ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
UMPQ Yearly Profit, Operating, Gross MarginsUMPQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • UMPQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • UMPQ has about the same amout of shares outstanding than it did 1 year ago.
  • UMPQ has a worse debt/assets ratio than last year.
UMPQ Yearly Shares OutstandingUMPQ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M
UMPQ Yearly Total Debt VS Total AssetsUMPQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 10B 20B 30B

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.
  • UMPQ's Debt to Equity ratio of 0.53 is on the low side compared to the rest of the industry. UMPQ is outperformed by 78.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.01%
UMPQ Yearly LT Debt VS Equity VS FCFUMPQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UMPQ Yearly Current Assets VS Current LiabilitesUMPQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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%.
  • Measured over the past years, UMPQ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.52% on average per year.
  • UMPQ shows a decrease in Revenue. In the last year, the revenue decreased by -0.51%.
  • 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 Q2Q%-7.32%
Revenue 1Y (TTM)-0.51%
Revenue growth 3Y0.24%
Revenue growth 5Y2.1%
Sales Q2Q%7.67%

3.2 Future

  • UMPQ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.21% yearly.
  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UMPQ Yearly Revenue VS EstimatesUMPQ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
UMPQ Yearly EPS VS EstimatesUMPQ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 -4 -6

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.39 indicates a reasonable valuation of UMPQ.
  • 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.
  • The average S&P500 Price/Earnings ratio is at 27.27. UMPQ is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 6.48, which indicates a rather cheap valuation of UMPQ.
  • UMPQ's Price/Forward Earnings ratio is rather cheap when compared to the industry. UMPQ is cheaper than 83.29% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of UMPQ to the average of the S&P500 Index (28.16), we can say UMPQ is valued rather cheaply.
Industry RankSector Rank
PE 11.39
Fwd PE 6.48
UMPQ Price Earnings VS Forward Price EarningsUMPQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UMPQ Per share dataUMPQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

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 2.78. 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 1.85.
Industry RankSector Rank
Dividend Yield 5.01%

5.2 History

  • The dividend of UMPQ has a limited annual growth rate of 2.07%.
  • UMPQ has been paying a dividend for at least 10 years, so it has 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
UMPQ Yearly Dividends per shareUMPQ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8

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
UMPQ Yearly Income VS Free CF VS DividendUMPQ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B -1.5B

More info and screens

Find the best dividend stocksShow peers with best dividend

UMPQUA HOLDINGS CORP

NASDAQ:UMPQ (2/28/2023, 8:07:19 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)01-23
Earnings (Next)04-18
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners7.25%
Ins Owner Change0%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.


What is the valuation status of UMPQUA HOLDINGS CORP (UMPQ) stock?

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.