UMPQUA HOLDINGS CORP (UMPQ)       17.72  +0.24 (+1.37%)

17.72  +0.24 (+1.37%)

US9042141039 - Common Stock - After market: 17.75 +0.03 (+0.17%)


Fundamental Rating

4

Taking everything into account, UMPQ scores 4 out of 10 in our fundamental rating. UMPQ was compared to 331 industry peers in the Banks industry. While UMPQ is still in line with the averages on profitability rating, there are some concerns on its financial health. UMPQ has a correct valuation and a medium growth rate.




Profitability

Profitability Rating

4

UMPQ has a Return On Equity of 14.15%. This is better than the industry average of 12.53%.
UMPQ's Return On Assets of 1.09% is in line with the rest of the industry. The industry average Return On Assets is 1.11%.

The Piotroski-F score of UMPQ is 4.00. This is a neutral score and indicates average health and profitability for UMPQ.
UMPQ's Profit Margin of 27.48% is worse than the rest of the industry. The industry average Profit Margin is 29.92%.
VS Industry

ROA (1.09%) VS Industry: 46% outperformed.

0.15
7.28

ROE (14.15%) VS Industry: 64% outperformed.

3.05
50.89

Profit Margin (27.48%) VS Industry: 36% outperformed.

6.02
51.15

Valuation

Valuation Rating

5

With a Price/Earnings Ratio of 11.22, the valuation of UMPQ can be described as very reasonable.
The Forward Price/Earnings Ratio of 6.50 indicates a rather cheap valuation of UMPQ.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

With a price book ratio of 1.59, UMPQ is valued correctly.
UMPQ's Price/Earning Ratio is slightly more expensive than the industry average, which is at 9.96.
Compared to an average industry price book ratio of 1.16, UMPQ is valued more expensive than its industry peers. 84% of the companies listed in the same industry are valued cheaper.
VS Industry

Price/Earnings (11.22) VS Industry: 32% outperformed.

218.50
0.33

Price/Book (1.59) VS Industry: 16% outperformed.

4.31
0.03

Growth

Growth Rating

6

Measured over the past 5 years, UMPQ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.62% on average per year.
The Earnings Per Share is expected to grow by 13.86% on average over the next 5 years. This is quite good.
UMPQ is expected to show a strong growth in Revenue. In the coming 5 years, the Revenue will grow by 22.45% yearly.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.

The EPS growth is stable: in the next 5 years the growth will be about the same than in the last 5 years.
The Revenue has decreased by -5.57% in the past year.
UMPQ shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 2.28% yearly.
UMPQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.85%.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS12.62% 10.32% -27.85% -12.88% 19.15% 13.86% N/A
Revenue2.28% 1.56% -5.57% 1.47% 32.89% 22.45% N/A

Health

Health Rating

1

The Piotroski-F score of UMPQ is 4.00. This is a neutral score and indicates average health and profitability for UMPQ.

When comparing the Debt to Equity Ratio of UMPQ to the average industry Debt to Equity Ratio of 0.18, UMPQ required more debt to finance its operations than its industry peers.
VS Industry

Debt/Equity (0.48) VS Industry: 21% outperformed.

3.93
0.00

Dividend

Dividend Rating

9

With a Yearly Dividend Yield of 5.01%, UMPQ is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.18, UMPQ pays a better dividend. On top of this UMPQ pays more dividend than 92% 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 2.41.
The dividend of UMPQ is growing, but earnings are growing more, so the dividend growth is sustainable.

UMPQ has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of UMPQ has a limited annual growth rate of 2.07%.
53.24% of the earnings are spent on dividend by UMPQ. This is a bit on the high side, but may be sustainable.
VS Industry

Dividend Yield (5.01%) VS Industry: 92% outperformed.

0.09
19.43

UMPQUA HOLDINGS CORP17.72

NASDAQ:UMPQ (1/27/2023, 7:00:02 PM)+0.24 (+1.37%)

After market: 17.75 +0.03 (+0.17%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Banks
GICS Industry Banks
Earnings (Last) 01-17 2023-01-17 Earnings (Next) 04-18 2023-04-18
Inst Owners 86.08% Inst Owner Change -0.43%
Ins Owners 0.68% Ins Owner Change -0.34%
Market Cap 3.85B Analysts 73.85
Price Target 20.45 (15.41%)

Dividend
Dividend Yield 5.01% Dividend Growth 2.07%
DP 53.24% Ex-Date 01-20 2023-01-20 (0.21)

Surprises & Revisions
EPS beat(2) N/A Avg EPS beat(2) -12.76%
Min EPS beat(2) -15.03% Max EPS beat(2) -10.5%
EPS beat(4) 1 Avg EPS beat(4) -6.75%
Min EPS beat(4) -15.03% Max EPS beat(4) 6.03%
Revenue beat(2) N/A Avg Revenue beat(2) -3.05%
Min Revenue beat(2) -5.61% Max Revenue beat(2) -0.48%
Revenue beat(4) 2 Avg Revenue beat(4) -0.8%
Min Revenue beat(4) -5.61% Max Revenue beat(4) 2.12%
PT rev (1m) -2.27% EPS NQ rev (1m) 0%
EPS NY rev (1m) 0% Revenue NQ rev (1m) 0%
Revenue NY rev (1m) 0%

Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 6.5
P/S 3.09
P/FCF 3.8
P/OCF 3.75
P/B 1.59
P/tB 1.74
EV/EBITDA N/A
EPS(TTM) 1.58 EY 8.92%
EPS(NY) 2.73 Fwd EY 15.38%
FCF(TTM) 4.66 FCFY 26.32%
OCF(TTM) 4.73 OCFY 26.67%
SpS 5.74 BVpS 11.14
TBVpS 10.21 PEG (NY) N/A
PEG (5Y) 0.89

Profitability
Industry RankSector Rank
ROA 1.09%
ROE 14.15%
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM 27.48%
GM N/A
ROICexgc(3y) N/A ROICexcg growth 3Y N/A
ROICexcg growth 5Y N/A ROICexc(3y) N/A
ROICexc growth 3Y N/A ROICexc growth 5Y N/A
OM growth 3Y N/A OM growth 5Y N/A
PM growth 3Y 8.25% PM growth 5Y 10.31%
GM growth 3Y N/A GM growth 5Y N/A
F-Score 4 Asset Turnover 0.04

Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.53
Debt/EBITDA N/A
Cap/Depr 46.21%
Profit Quality 295.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score 4 WACC 7.49%
ROIC/WACC N/A Cap/Depr(3y) 36.85%
Cap/Depr(5y) 27.03% Profit Quality(3y) N/A
Profit Quality(5y) N/A

Growth
EPS 1Y -27.85% EPS 3Y 10.32%
EPS 5Y 12.62% EPS growth Q2Q -20.41%
EPS Next Y -12.88% EPS Next 2Y 19.15%
EPS Next 3Y 13.86% EPS Next 5Y N/A
Revenue growth 1Y -5.57% Revenue growth 3Y 1.56%
Revenue growth 5Y 2.28% Revenue growth Q2Q 2.67%
Revenue Next Year 1.47% Revenue Next 2Y 32.89%
Revenue Next 3Y 22.45% Revenue Next 5Y N/A
EBIT growth 1Y N/A EBIT growth 3Y N/A
EBIT growth 5Y N/A EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y 1109.18% FCF growth 3Y 9.26%
FCF growth 5Y 10.95% OCF growth 1Y 1316.92%
OCF growth 3Y 9.47% OCF growth 5Y 9.8%

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