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%)
Taking everything into account, UMPQ scores 3 out of 10 in our fundamental rating. UMPQ was compared to 390 industry peers in the Banks industry. UMPQ has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
UMPQ had positive earnings in 4 of the past 5 years.
In multiple years UMPQ reported negative operating cash flow during the last 5 years.
1.2 Ratios
UMPQ has a Return On Assets of 1.06%. This is comparable to the rest of the industry: UMPQ outperforms 43.50% of its industry peers.
The Return On Equity of UMPQ (13.58%) is better than 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
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.
The Operating Margin and Gross Margin are not available for UMPQ so they could not be analyzed.
| 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 a worse debt/assets ratio than last year.
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
The earnings per share for UMPQ have decreased strongly by -19.27% in the last year.
The Earnings Per Share has been growing by 8.52% on average over the past years. This is quite good.
Looking at the last year, UMPQ shows a decrease in Revenue. The Revenue has decreased by -0.51% in the last year.
The Revenue has been growing slightly by 2.10% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.39 indicates a reasonable valuation of UMPQ.
UMPQ's Price/Earnings ratio is a bit more expensive when compared to the industry. UMPQ is more expensive than 74.54% of the companies in the same industry.
UMPQ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
UMPQ is valuated cheaply with a Price/Forward Earnings ratio of 6.48.
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.
UMPQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, 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.
A more expensive valuation may be justified as UMPQ's earnings are expected to grow with 35.21% in the coming years.
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 3.53, 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 2.31.
| 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 been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of UMPQ decreased 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
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 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 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.