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Market Price

18.19 

-0.15 -0.8%

as of Jan 23 '19

52 Week Range:

15.09 24.89


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Umpqua Holdings Corporation, through its subsidiaries, provides commercial and retail banking, and retail brokerage services. It operates through four segments: Commercial Bank, Wealth Management, Retail Bank, and Home Lending. 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 business and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade, real estate construction loans, permanent financing products, small business administration program financing, and residential mortgage loans, as well as capital markets and treasury management services. In addition, the company offers loan products for small businesses; 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, trust, and investment services; broker dealer and investment advisory services; and technology-based services that include remote deposit capture, online banking, bill pay and treasury, mobile banking, voice response banking, automatic payroll deposit program, ATM, interactive product kiosks, and Website services. The company serves small businesses, middle market, and large commercial customers; individual investors; and high net worth individuals. As of December 31, 2017, it operated commercial banking centers in 333 locations in Oregon, Washington, California, Idaho, and Nevada. The company was founded in 1953 and is headquartered in Portland, Oregon.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 20.66
21.37
15.70
14.34
15.11
15.41
15.41
17.04
17.42
17.80
18.10
growth rate 3.4% -26.5% -8.7% 5.4% 2.0% 0.0% 10.6% 2.2% 2.2% 1.7%
Earnings BIT 94.93
73.18
-194.30
34.13
111.24
155.21
151.03
255.58
375.52
396.51
374.59
growth rate -22.9% -100.0% 100.0% 225.9% 39.5% -2.7% 69.2% 46.9% 5.6% -5.5%
Avg.PE 14.62
17.70
-4.30
81.97
19.12
13.07
21.83
21.21
15.07
17.84
19.03
growth rate 21.1% -100.0% 100.0% -76.7% -31.6% 67.0% -2.8% -29.0% 18.4% 6.7%
ROA 0.81
0.58
-1.85
0.15
0.64
0.87
0.83
0.86
0.97
0.97
0.97
growth rate -28.4% -100.0% 100.0% 326.7% 35.9% -4.6% 3.6% 12.8% 0.0% 0.0%
ROE 5.28
3.92
-12.56
1.07
4.47
5.96
5.65
5.34
5.82
6.00
6.20
growth rate -25.8% -100.0% 100.0% 317.8% 33.3% -5.2% -5.5% 9.0% 3.1% 3.3%
ROIC 13.58
9.04
-5.13
5.16
5.86
6.22
5.67
4.90
growth rate -33.4% -100.0% 100.0% 13.6% 6.1% -8.8% -13.6%
Leverage 6.73
6.69
6.88
7.10
6.91
6.84
6.74
5.98
6.08
6.34
6.41
growth rate -0.6% 2.8% 3.2% -2.7% -1.0% -1.5% -11.3% 1.7% 4.3% 1.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 18.66
10.72
12.40
22.92
growth rate -42.6% 15.7% 84.8%
Acct.Payable 16,892.10
17,707.19
19,020.99
19,948.30
growth rate 4.8% 7.4% 4.9%
Cur.Assets 2,080.16
1,291.01
1,989.41
1,058.05
growth rate -37.9% 54.1% -46.8%
Total Assets 8,597.60
9,381.40
11,668.70
11,562.86
11,795.44
11,636.11
22,609.90
23,406.38
24,813.12
25,741.44
growth rate 9.1% 24.4% -0.9% 2.0% -1.4% 94.3% 3.5% 6.0% 3.7%
Cash 204.70
605.40
1,004.10
3,806.40
3,205.55
2,623.09
1,480.77
584.43
1,260.03
442.98
growth rate 195.8% 65.9% 279.1% -15.8% -18.2% -43.6% -60.5% 115.6% -64.8%
Inventory 37.94
22.31
6.74
11.73
growth rate -41.2% -69.8% 74.2%
Cur.Liabilities 17,205.42
18,011.75
19,373.93
20,342.60
growth rate 4.7% 7.6% 5.0%
Liabilities 7,110.50
7,814.90
10,026.10
9,890.45
10,071.40
9,908.69
18,832.28
19,557.05
20,896.32
21,726.65
growth rate 9.9% 28.3% -1.4% 1.8% -1.6% 90.1% 3.9% 6.9% 4.0%
LT Debt 310.29
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
1,357.27
1,245.48
1,215.54
1,080.12
growth rate 547.1% 0.1% 0.1% 0.1% 0.1% 0.1% -32.6% -8.2% -2.4% -11.1%
Equity 1,239.94
1,487.00
1,566.50
1,642.60
1,672.41
1,724.04
1,727.43
3,777.63
3,849.33
3,916.80
4,014.79
growth rate 19.9% 5.4% 4.9% 1.8% 3.1% 0.2% 118.7% 1.9% 1.8% 2.5%
Common Shares 60.00
60.00
70.00
108.00
114.00
112.00
112.00
188.00
221.00
221.00
221.00
growth rate 0.0% 16.7% 54.3% 5.6% -1.8% 0.0% 67.9% 17.6% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 9.56
10.40
11.00
46.30
33.97
22.82
34.22
59.51
69.34
30.31
4.28
growth rate 8.8% 5.8% 320.9% -26.6% -32.8% 50.0% 73.9% 16.5% -56.3% -85.9%
Cash Dividends 43.46
45.80
24.10
24.30
25.32
46.20
50.77
99.23
134.62
141.07
145.40
growth rate 5.4% -47.4% 0.8% 4.2% 82.5% 9.9% 95.5% 35.7% 4.8% 3.1%
Cash From OA 79.64
146.50
93.20
198.60
182.35
24.62
417.93
357.57
376.74
421.64
509.71
growth rate 84.0% -36.4% 113.1% -8.2% -86.5% 1,597.9% -14.4% 5.4% 11.9% 20.9%
FCF per Share 1.32
2.25
1.16
1.40
1.50
0.03
2.79
1.70
0.97
2.32
1.18
growth rate 70.5% -48.4% 20.7% 7.1% -98.0% 9,200.0% -39.1% -42.9% 139.2% -49.1%
Sale Purchase of Stock -29.45
-6.46
-2.96
9.37
1.48
2.63
0.96
growth rate 0.0% 0.0% 100.0% -84.2% 77.3% -63.4%
FCF 80.00
136.00
82.00
151.00
148.00
4.00
379.00
290.00
307.00
391.00
505.00
growth rate 70.0% -39.7% 84.2% -2.0% -97.3% 9,375.0% -23.5% 5.9% 27.4% 29.2%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 350.78
397.40
394.20
470.70
585.87
592.91
565.74
914.76
1,110.77
1,102.85
1,089.83
growth rate 13.3% -0.8% 19.4% 24.5% 1.2% -4.6% 61.7% 21.4% -0.7% -1.2%
Op.Income 73.20
-194.30
34.10
74.50
101.89
98.29
338.34
419.31
409.71
372.49
growth rate -100.0% 100.0% 118.5% 36.8% -3.5% 244.2% 23.9% -2.3% -9.1%
IBT 73.18
-194.30
34.13
111.24
155.21
152.48
230.70
347.13
365.70
341.96
growth rate -100.0% 100.0% 225.9% 39.5% -1.8% 51.3% 50.5% 5.4% -6.5%
Net Income 51.00
-153.40
28.30
74.50
101.89
98.29
147.66
222.54
232.94
246.02
growth rate -100.0% 100.0% 163.2% 36.8% -3.5% 50.2% 50.7% 4.7% 5.6%
EPS 1.05
0.82
-2.36
0.15
0.65
0.90
0.87
0.78
1.01
1.05
1.11
growth rate -21.9% -100.0% 100.0% 333.3% 38.5% -3.3% -10.3% 29.5% 4.0% 5.7%
Gross Profit 914.76
1,110.77
1,102.85
1,089.83
growth rate 21.4% -0.7% -1.2%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 103.72
93.63
110.39
growth rate -9.7% 17.9%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 22.92
growth rate
Acct.Payable 19,851.91
19,948.30
20,106.86
20,744.53
20,892.77
growth rate 0.5% 0.8% 3.2% 0.7%
Cur.Assets 1,279.12
1,058.05
881.98
1,247.76
1,180.57
growth rate -17.3% -16.6% 41.5% -5.4%
Total Assets 25,695.66
25,741.44
25,875.64
26,480.60
26,615.07
growth rate 0.2% 0.5% 2.3% 0.5%
Cash 813.20
442.98
539.07
768.15
842.30
growth rate -45.5% 21.7% 42.5% 9.7%
Inventory 4.16
11.73
13.06
12.10
11.77
growth rate 182.1% 11.3% -7.3% -2.7%
Cur.Liabilities 20,173.45
20,342.60
20,398.84
21,018.19
21,179.75
growth rate 0.8% 0.3% 3.0% 0.8%
Liabilities 21,710.40
21,726.65
21,861.76
22,499.51
22,611.17
growth rate 0.1% 0.6% 2.9% 0.5%
LT Debt 1,219.87
1,080.12
1,169.17
1,171.25
1,123.39
growth rate -11.5% 8.2% 0.2% -4.1%
Equity 3,985.26
4,014.79
4,013.88
3,981.09
4,003.89
growth rate 0.7% 0.0% -0.8% 0.6%
Common Shares 3,516.56
3,517.26
3,515.51
3,509.15
3,510.95
growth rate 0.0% -0.1% -0.2% 0.1%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 2.99
-9.85
0.46
2.36
2.87
growth rate -100.0% 100.0% 410.4% 21.5%
Cash Dividends 35.24
39.65
39.63
44.02
44.01
growth rate 12.5% 0.0% 11.1% 0.0%
Cash From OA 163.27
262.66
67.24
-17.87
269.23
growth rate 60.9% -74.4% -100.0% 100.0%
Sale Purchase of Stock 0.09
0.41
0.76
growth rate 385.9% 83.8%
FCF 160.28
252.81
66.78
-20.23
266.36
growth rate 57.7% -73.6% -100.0% 100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 283.87
278.14
288.89
283.23
302.05
growth rate -2.0% 3.9% -2.0% 6.6%
Op.Income 108.17
89.04
108.76
93.80
128.47
growth rate -17.7% 22.2% -13.8% 37.0%
IBT 95.52
85.36
103.78
87.66
122.75
growth rate -10.6% 21.6% -15.5% 40.0%
Net Income 61.33
81.87
78.97
66.00
90.98
growth rate 33.5% -3.5% -16.4% 37.9%
EPS
growth rate
Gross Profit 283.87
278.14
288.89
283.23
302.05
growth rate -2.0% 3.9% -2.0% 6.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (70.14)

YOY Growth Grade:

D (34.54)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.98 12.81 11.04
EPS / Growth 2.5% 1.42 8.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.5% 7.5% 7.5%
Future PE 4.94 12.99 12.99
Future EPS 1.81 2.92 2.92
Value Price
MOS %
2.21
-87.8%
9.37
-48.5%
9.37
-48.5%
MOS Price 1.11 4.68 4.68
IRT 11.03 8.83 8.83

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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