UMPQ Umpqua Holdings Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: UMPQ

Price (delayed)

$19

Market cap

$4.12B

P/E Ratio

11.31

Dividend/share

$0.84

EPS

$1.68

Enterprise value

$4.17B

Umpqua Holdings Corporation is the parent company of Umpqua Bank, an Oregon-based community bank recognized for its entrepreneurial approach, innovative customer experience, and distinctive banking solutions. Umpqua Bank has locations ...

Highlights
The P/E is 14% higher than the last 4 quarters average of 9.9 but 8% lower than the 5-year quarterly average of 12.3
UMPQ's debt is up by 4.3% since the previous quarter but it is down by 2.7% year-on-year
UMPQ's net income is down by 27% year-on-year and by 9% since the previous quarter
The company's EPS fell by 26% YoY and by 9% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: https://www.umpquabank.com/
Peers: WAL ZION BANR HFWA

Key stats

What are the main financial stats of UMPQ
Market
Shares outstanding
217.05M
Market cap
$4.12B
Enterprise value
$4.17B
Valuations
Price to earnings (P/E)
11.31
Price to book (P/B)
1.64
Price to sales (P/S)
3.34
EV/EBIT
8.54
EV/EBITDA
8.04
EV/Sales
3.38
Earnings
Revenue
$1.23B
EBIT
$487.72M
EBITDA
$518.13M
Free cash flow
$945.21M
Per share
EPS
$1.68
Free cash flow per share
$4.36
Book value per share
$11.6
Revenue per share
$5.68
TBVPS
$138.82
Balance sheet
Total assets
$30.14B
Total liabilities
$27.62B
Debt
$1.04B
Equity
$2.52B
Working capital
N/A
Liquidity
Debt to equity
0.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.08
Margins
EBITDA margin
42%
Gross margin
100%
Net margin
29.7%
Operating margin
39.5%
Efficiency
Return on assets
1.2%
Return on equity
13.8%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
39.5%
Dividend
Dividend yield
4.42%
DPS
$0.84
Payout ratio
50%

UMPQ stock price

How has the Umpqua Holdings stock price performed over time
Intraday
1.28%
1 week
7.28%
1 month
11.18%
1 year
-6.63%
YTD
-1.25%
QTD
13.3%

Financial performance

How have Umpqua Holdings's revenue and profit performed over time
Revenue
$1.23B
Gross profit
$1.23B
Operating income
$487.72M
Net income
$366.17M
Gross margin
100%
Net margin
29.7%
UMPQ's net income is down by 27% year-on-year and by 9% since the previous quarter
UMPQ's operating income is down by 19% year-on-year and by 9% since the previous quarter
UMPQ's net margin is down by 18% year-on-year and by 4.8% since the previous quarter
UMPQ's revenue is down by 11% year-on-year and by 4.6% since the previous quarter

Growth

What is Umpqua Holdings's growth rate over time

Valuation

What is Umpqua Holdings stock price valuation
P/E
11.31
P/B
1.64
P/S
3.34
EV/EBIT
8.54
EV/EBITDA
8.04
EV/Sales
3.38
The company's EPS fell by 26% YoY and by 9% QoQ
The P/E is 14% higher than the last 4 quarters average of 9.9 but 8% lower than the 5-year quarterly average of 12.3
The P/B is 37% higher than the 5-year quarterly average of 1.2 and 9% higher than the last 4 quarters average of 1.5
The equity has contracted by 9% YoY and by 3.4% from the previous quarter
UMPQ's revenue is down by 11% year-on-year and by 4.6% since the previous quarter
The stock's price to sales (P/S) is 8% more than its last 4 quarters average of 3.1 and 4.4% more than its 5-year quarterly average of 3.2

Efficiency

How efficient is Umpqua Holdings business performance
The ROA fell by 29% YoY and by 8% QoQ
The ROE has declined by 26% year-on-year and by 7% since the previous quarter
UMPQ's ROIC is down by 19% YoY and by 11% QoQ
The company's return on sales fell by 10% YoY and by 5% QoQ

Dividends

What is UMPQ's dividend history
Dividend details
DPS
$0.84
Dividend yield
4.42%
Payout ratio
50%
Recent dividends

Financial health

How did Umpqua Holdings financials performed over time
Umpqua Holdings's total assets is 9% higher than its total liabilities
UMPQ's debt is 59% smaller than its equity
The equity has contracted by 9% YoY and by 3.4% from the previous quarter
The debt to equity has increased by 8% since the previous quarter and by 5% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.