Umpqua Holdings Corporation

Symbol: UMPQ

NASDAQ

17.66

USD

Market price today

  • 23.0067

    P/E Ratio

  • 4.6474

    PEG Ratio

  • 3.83B

    MRK Cap

  • 0.00%

    DIV Yield

Umpqua Holdings Corporation (UMPQ) Stock Price & Analysis

Shares Outstanding

217.06M

Gross Profit Margin

1.00%

Operating Profit Margin

0.43%

Net Profit Margin

0.25%

Return on Assets

0.01%

Return on Equity

0.07%

Return on Capital Employed

0.01%

Company general description and statistics

Sector: Financial Services
Industry: Banks—Regional
CEO:Mr. Cort Lane O'Haver
Full-time employees:4000
City:Portland
Address:One SW Columbia Street
IPO:1976-01-16
CIK:0001077771

Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. The company offers deposit products, including non-interest bearing checking, interest bearing checking and savings, and money market accounts, as well as certificates of deposit. It also provides loans for corporate and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade finance, real estate construction loans, permanent financing, and small business administration program financing, as well as capital markets and treasury management products. In addition, the company offers loan products, such as commercial and industrial loans; residential real estate loans for the construction, purchase, and refinancing of residential owner-occupied and rental properties; and consumer loans comprising secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. Further, it provides financial planning solutions; and online and mobile banking services. The company serves high net worth individuals and families, select non-profits, and professional services firms. As of December 31, 2021, it conducted commercial and retail banking activities at 234 locations, including 202 store locations in Oregon, Washington, California, Idaho, and Nevada; and operated 28 facilities for the purpose of administrative and other functions, such as back-office support, of which two are owned and 26 are leased. The company was founded in 1953 and is headquartered in Portland, Oregon.

General Outlook

In simple terms, Umpqua Holdings Corporation has 217.055 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.427%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.254%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.005% return, is a testament to Umpqua Holdings Corporation's adeptness in optimizing resource deployment. Umpqua Holdings Corporation's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.068%. Furthermore, the proficiency of Umpqua Holdings Corporation in capital utilization is underscored by a remarkable 0.009% return on capital employed.

Stock Prices

Umpqua Holdings Corporation's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $18.99, while its low point bottomed out at $18.01. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Umpqua Holdings Corporation's stock market.

Liquidity Ratios

Analyzing UMPQ liquidity ratios reveals its financial health of the firm. The current ratio of 1054.95% gauges short-term asset coverage for liabilities. The quick ratio (6901.93%) assesses immediate liquidity, while the cash ratio (1411.92%) indicates cash reserves.

cards.indicatorcards.value
Current Ratio1054.95%
Quick Ratio6901.93%
Cash Ratio1411.92%

Profitability Ratios

UMPQ profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 34.06% underscores its earnings before tax deductions. The effective tax rate stands at 25.43%, revealing its tax efficiency. The net income per EBT, 74.57%, and the EBT per EBIT, 79.72%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 42.73%, we grasp its operational profitability.

cards.indicatorcards.value
Pretax Profit Margin34.06%
Effective Tax Rate25.43%
Net Income per EBT74.57%
EBT per EBIT79.72%
EBIT per Revenue42.73%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 10.55, it details the span from stock purchase to revenue. The 69 days it takes to settle debts showcases its creditor relations. Meanwhile, a 14 cash conversion cycle and 35.77% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.

cards.indicatorcards.value
Days of Sales Outstanding6902
Receivables Turnover0.36
Fixed Asset Turnover2.58
Asset Turnover0.02

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 2.23, and free cash flow per share, 2.13, depict cash generation on a per-share basis. The cash per share value, 20.64, showcases liquidity position. A payout ratio of 0.55 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.74, offers insight into cash flow relative to sales.

cards.indicatorcards.value
Operating Cash Flow per Share2.23
Free Cash Flow per Share2.13
Cash per Share20.64
Payout Ratio0.55
Operating Cash Flow Sales Ratio0.74
Free Cash Flow to Operating Cash Flow Ratio0.95
Cash Flow Coverage Ratio0.32
Short Term Coverage Ratio5.28
Capital Expenditure Coverage Ratio21.91
Dividend Paid and Capex Coverage Ratio4.28
Dividend Payout Ratio0.05

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 4.71%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.61, we discern the balance between debt and equity financing. The long-term debt to capitalization, 36.24%, and total debt to capitalization, 37.71%, ratios shed light on its capital structure. An interest coverage of 4.48 indicates its ability to manage interest expenses.

cards.indicatorcards.value
Debt Ratio4.71%
Debt Equity Ratio0.61
Long Term Debt to Capitalization36.24%
Total Debt to Capitalization37.71%
Interest Coverage4.48
Cash Flow to Debt Ratio0.32
Company Equity Multiplier12.84

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 0.56, provides a glimpse into top-line earnings distributed across each share. Net income per share, 1.55, reflects the portion of profit attributed to each share. The book value per share, 11.41, represents the net asset value distributed per share, while the tangible book value per share, 10.53, excludes intangible assets.

cards.indicatorcards.value
Revenue Per Share0.56
Net Income Per Share1.55
Book Value Per Share11.41
Tangible Book Value Per Share10.53
Shareholders Equity Per Share11.41
Interest Debt Per Share7.26
Capex Per Share-0.12

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 3,995,321,550, captures the company's total value, considering both debt and equity. Income quality, 3.16, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 0.60%, indicates the value of non-physical assets, and capex to operating cash flow, -2.54%, measures reinvestment capability.

cards.indicatorcards.value
Enterprise Value3,995,321,550
Income Quality3.16
Sales General and Administrative to Revenue3.75
Intangibles to Total Assets0.60%
Capex to Operating Cash Flow-2.54%
Capex to Revenue-22.29%
Capex to Depreciation-95.69%
Stock-Based Compensation to Revenue8.03%
Graham Number19.94
Return on Tangible Assets1.06%
Graham Net Net-112.32
Working Capital875,636,000
Tangible Asset Value2,290,064,000
Net Current Asset Value-28,401,483,000
Invested Capital1
Average Receivables1,652,763,500
Average Inventory-918,925,500
Days Sales Outstanding5520
ROIC7.83%
ROE0.14%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 1.55, and the price to book ratio, 1.55, reflect the market's valuation relative to the company's book value. The price to sales ratio, 5.83, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 8.29, and price to operating cash flows, 7.93, gauge market valuation against cash flow metrics.

cards.indicatorcards.value
Price Book Value Ratio1.55
Price to Book Ratio1.55
Price to Sales Ratio5.83
Price Cash Flow Ratio7.93
Price Earnings to Growth Ratio4.65
Enterprise Value Multiple12.63
Price Fair Value1.55
Price to Operating Cash Flow Ratio7.93
Price to Free Cash Flows Ratio8.29
Price to Tangible Book Ratio1.56
Enterprise Value to Sales32.88
Enterprise Value Over EBITDA8.78
EV to Operating Cash Flow3.75
Earnings Yield8.68%
Free Cash Flow Yield26.75%
security
Trusted project
“All information displayed on the site is verified. High quality project and financial performance”
Eugene Alexeev
NumFin Founder and investing enthusiast

Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Umpqua Holdings Corporation (UMPQ) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 23.007 in 2024.

What is the ticker symbol of Umpqua Holdings Corporation stock?

The ticker symbol of Umpqua Holdings Corporation stock is UMPQ.

What is company IPO date?

IPO date of Umpqua Holdings Corporation is 1976-01-16.

What is company current share price?

Current share price is 17.660 USD.

What is stock market cap today?

The market cap of stock today is 3833191441.000.

What is PEG ratio in 2024?

The current 4.647 is 4.647 in 2024.

What is the number of employees in 2024?

In 2024 the company has 4000.