UMPQUA HOLDINGS CORP (UMPQ) Fundamental Analysis & Valuation

NASDAQ:UMPQ • US9042141039

Current stock price

17.66 USD
-0.31 (-1.73%)
At close:
17.72 USD
+0.06 (+0.34%)
After Hours:

This UMPQ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. UMPQ Profitability Analysis

1.1 Basic Checks

  • UMPQ had positive earnings in the past year.
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

  • 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 2016 2017 2018 2019 2020 2021 2022 0 -20 -40

1.3 Margins

  • The Profit Margin of UMPQ (26.53%) is worse than 61.80% of its industry peers.
  • 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 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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0

2. UMPQ Health Analysis

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.
  • 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 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 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

More info and screens

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

6

3. UMPQ Growth Analysis

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.
  • 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

  • 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.
  • 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.
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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6

4. UMPQ Valuation Analysis

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.
  • When comparing the Price/Earnings ratio of UMPQ to the average of the S&P500 Index (27.34), we can say UMPQ is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.48, which 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 38.18, which is the current average of the S&P500 Index.
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 10 20 30

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.
  • 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. UMPQ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.01%, UMPQ is a good candidate for dividend investing.
  • UMPQ's Dividend Yield is rather good when compared to the industry average which is at 2.53. 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 1.82.
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 paid a dividend for at least 10 years, which is 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 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

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UMPQ Fundamentals: All Metrics, Ratios and Statistics

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 Fundamental Analysis 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.


How profitable is UMPQUA HOLDINGS CORP (UMPQ) stock?

UMPQUA HOLDINGS CORP (UMPQ) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for UMPQ stock?

The Price/Earnings (PE) ratio for UMPQUA HOLDINGS CORP (UMPQ) is 11.39 and the Price/Book (PB) ratio is 1.55.


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.