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UMPQUA HOLDINGS CORP (UMPQ) Stock Fundamental Analysis

NASDAQ:UMPQ - Nasdaq - US9042141039 - Common Stock - Currency: USD

17.66  -0.31 (-1.73%)

After market: 17.72 +0.06 (+0.34%)

Fundamental Rating

3

UMPQ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. UMPQ has a bad profitability rating. Also its financial health evaluation is rather negative. UMPQ has a correct valuation and a medium growth rate. UMPQ also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
The reported operating cash flow has been mixed in the past 5 years: UMPQ reported negative operating cash flow in multiple years.
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 2015 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B -1.5B

1.2 Ratios

UMPQ has a Return On Assets (1.06%) which is in line with its industry peers.
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 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 2015 2016 2017 2018 2019 2020 2021 2022 0 -20 -40

1.3 Margins

UMPQ has a Profit Margin of 26.53%. This is in the lower half of the industry: UMPQ underperforms 61.80% of its industry peers.
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 2015 2016 2017 2018 2019 2020 2021 2022 0 -50 -100

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0

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.
Compared to 1 year ago, UMPQ has a worse debt to assets ratio.
UMPQ Yearly Shares OutstandingUMPQ Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 has a worse Debt to Equity ratio (0.53) than 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 2015 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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6

3. Growth

3.1 Past

The earnings per share for UMPQ have decreased strongly by -19.27% in the last year.
UMPQ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.52% yearly.
The Revenue has decreased by -0.51% in the past 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 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.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 -4 -6

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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 24.12.
With a Price/Forward Earnings ratio of 6.48, the valuation of UMPQ can be described as very cheap.
83.29% of the companies in the same industry are more expensive than UMPQ, based on the Price/Forward Earnings ratio.
UMPQ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.42.
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

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

The 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

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.01%, UMPQ is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.49, 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 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.
The dividend of UMPQ decreased 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B -1.5B

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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 2023-01-23/amc
Earnings (Next)04-18 2023-04-18/amc
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners7.25%
Ins Owner Change0%
Market Cap3.83B
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
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
ROICexcg growth 3YN/A
ROICexcg 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