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Market Price

16.26 

-0.28 -1.7%

as of Jun 19 '19

52 Week Range:

15.09 24.32


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 operates as the holding company of Umpqua Bank that provides commercial and retail banking, and retail brokerage services. It operates through four segments: Wholesale 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 corporate 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, and small business administration program financing, 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; treasury and cash management services; retail brokerage and investment advisory services; and digital, mobile, telephone, text, and online banking services. The company serves middle market corporate, commercial, and business banking customers; individual investors; and high net worth individuals. As of December 31, 2018, it operated commercial banking centers in 299 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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 21.37
15.70
14.34
15.11
15.41
15.41
17.04
17.42
17.80
18.10
18.18
growth rate -26.5% -8.7% 5.4% 2.0% 0.0% 10.6% 2.2% 2.2% 1.7% 0.4%
Earnings BIT 73.18
-194.30
34.13
111.24
155.21
151.03
255.58
375.52
396.51
374.59
growth rate -100.0% 100.0% 225.9% 39.5% -2.7% 69.2% 46.9% 5.6% -5.5%
Avg.PE 17.70
-4.30
81.97
19.12
13.07
21.83
21.21
15.07
17.84
19.03
12.55
growth rate -100.0% 100.0% -76.7% -31.6% 67.0% -2.8% -29.0% 18.4% 6.7% -34.1%
ROA 0.58
-1.85
0.15
0.64
0.87
0.83
0.86
0.97
0.97
0.97
1.20
growth rate -100.0% 100.0% 326.7% 35.9% -4.6% 3.6% 12.8% 0.0% 0.0% 23.7%
ROE 3.92
-12.56
1.07
4.47
5.96
5.65
5.34
5.82
6.00
6.20
7.84
growth rate -100.0% 100.0% 317.8% 33.3% -5.2% -5.5% 9.0% 3.1% 3.3% 26.5%
ROIC 9.04
-5.13
5.16
5.86
6.22
5.67
4.90
growth rate -100.0% 100.0% 13.6% 6.1% -8.8% -13.6%
Leverage 6.69
6.88
7.10
6.91
6.84
6.74
5.98
6.08
6.34
6.41
6.64
growth rate 2.8% 3.2% -2.7% -1.0% -1.5% -11.3% 1.7% 4.3% 1.1% 3.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 18.66
10.72
12.40
22.92
12.97
growth rate -42.6% 15.7% 84.8% -43.4%
Acct.Payable 16,892.10
17,707.19
19,020.99
19,948.30
21,137.49
growth rate 4.8% 7.4% 4.9% 6.0%
Cur.Assets 2,080.16
1,291.01
1,989.41
1,045.79
959.44
growth rate -37.9% 54.1% -47.4% -8.3%
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
25,680.45
26,939.78
growth rate 9.1% 24.4% -0.9% 2.0% -1.4% 94.3% 3.5% 6.0% 3.5% 4.9%
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
456.14
growth rate 195.8% 65.9% 279.1% -15.8% -18.2% -43.6% -60.5% 115.6% -64.8% 3.0%
Inventory 37.94
22.31
6.74
11.73
10.96
growth rate -41.2% -69.8% 74.2% -6.6%
Cur.Liabilities 17,205.42
18,011.75
19,373.93
20,242.60
21,559.64
growth rate 4.7% 7.6% 4.5% 6.5%
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
21,711.08
22,883.34
growth rate 9.9% 28.3% -1.4% 1.8% -1.6% 90.1% 3.9% 6.9% 3.9% 5.4%
LT Debt 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
1,180.12
1,016.38
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -32.6% -8.2% -2.4% -2.9% -13.9%
Equity 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
3,969.37
4,056.44
growth rate 5.4% 4.9% 1.8% 3.1% 0.2% 118.7% 1.9% 1.8% 1.3% 2.2%
Common Shares 60.00
70.00
108.00
114.00
112.00
112.00
188.00
221.00
221.00
221.00
221.00
growth rate 16.7% 54.3% 5.6% -1.8% 0.0% 67.9% 17.6% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 10.40
11.00
46.30
33.97
22.82
34.22
59.51
69.34
30.31
4.28
8.99
growth rate 5.8% 320.9% -26.6% -32.8% 50.0% 73.9% 16.5% -56.3% -85.9% 110.1%
Cash Dividends 45.80
24.10
24.30
25.32
46.20
50.77
99.23
134.62
141.07
145.40
173.91
growth rate -47.4% 0.8% 4.2% 82.5% 9.9% 95.5% 35.7% 4.8% 3.1% 19.6%
Cash From OA 146.50
93.20
198.60
182.35
24.62
417.93
357.57
376.74
415.17
515.51
505.24
growth rate -36.4% 113.1% -8.2% -86.5% 1,597.9% -14.4% 5.4% 10.2% 24.2% -2.0%
FCF per Share 2.25
1.16
1.40
1.50
0.03
2.79
1.70
0.97
2.32
1.18
2.64
growth rate -48.4% 20.7% 7.1% -98.0% 9,200.0% -39.1% -42.9% 139.2% -49.1% 123.7%
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 136.00
82.00
151.00
148.00
4.00
379.00
290.00
307.00
391.00
505.00
496.00
growth rate -39.7% 84.2% -2.0% -97.3% 9,375.0% -23.5% 5.9% 27.4% 29.2% -1.8%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 397.40
394.20
470.70
585.87
592.91
565.74
914.76
1,110.77
1,098.17
1,096.92
1,162.15
growth rate -0.8% 19.4% 24.5% 1.2% -4.6% 61.7% 21.4% -1.1% -0.1% 6.0%
Op.Income 73.20
-194.30
34.10
74.50
101.89
98.29
338.34
419.31
400.32
381.58
451.41
growth rate -100.0% 100.0% 118.5% 36.8% -3.5% 244.2% 23.9% -4.5% -4.7% 18.3%
IBT 73.18
-194.30
34.13
111.24
155.21
152.48
230.70
347.13
361.01
349.04
422.69
growth rate -100.0% 100.0% 225.9% 39.5% -1.8% 51.3% 50.5% 4.0% -3.3% 21.1%
Net Income 51.00
-153.40
28.30
74.50
101.89
98.29
147.66
222.54
230.07
242.31
316.26
growth rate -100.0% 100.0% 163.2% 36.8% -3.5% 50.2% 50.7% 3.4% 5.3% 30.5%
EPS 0.82
-2.36
0.15
0.65
0.90
0.87
0.78
1.01
1.04
1.10
1.43
growth rate -100.0% 100.0% 333.3% 38.5% -3.3% -10.3% 29.5% 3.0% 5.8% 30.0%
Gross Profit 914.76
1,110.77
1,098.17
1,096.92
1,162.15
growth rate 21.4% -1.1% -0.1% 6.0%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 110.39
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 12.97
growth rate
Acct.Payable 20,106.86
20,744.53
20,892.77
21,137.49
21,243.89
growth rate 3.2% 0.7% 1.2% 0.5%
Cur.Assets 881.98
1,247.76
1,180.57
959.44
1,153.60
growth rate 41.5% -5.4% -18.7% 20.2%
Total Assets 25,875.64
26,480.60
26,615.07
26,939.78
27,355.63
growth rate 2.3% 0.5% 1.2% 1.5%
Cash 539.07
768.15
842.30
456.14
844.53
growth rate 42.5% 9.7% -45.9% 85.2%
Inventory 13.06
12.10
11.77
10.96
10.49
growth rate -7.3% -2.7% -6.9% -4.3%
Cur.Liabilities 20,398.84
21,018.19
21,179.75
21,559.64
21,532.84
growth rate 3.0% 0.8% 1.8% -0.1%
Liabilities 21,861.76
22,499.51
22,611.17
22,883.34
23,243.30
growth rate 2.9% 0.5% 1.2% 1.6%
LT Debt 1,169.17
1,171.25
1,123.39
1,016.38
1,433.73
growth rate 0.2% -4.1% -9.5% 41.1%
Equity 4,013.88
3,981.09
4,003.89
4,056.44
4,112.33
growth rate -0.8% 0.6% 1.3% 1.4%
Common Shares 3,515.51
3,509.15
3,510.95
3,512.87
3,511.73
growth rate -0.2% 0.1% 0.1% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 0.46
2.36
2.87
3.30
2.37
growth rate 410.4% 21.5% 15.3% -28.4%
Cash Dividends 39.63
44.02
44.01
46.25
46.25
growth rate 11.1% 0.0% 5.1% 0.0%
Cash From OA 67.24
-17.87
269.23
186.64
-53.62
growth rate -100.0% 100.0% -30.7% -100.0%
Sale Purchase of Stock 0.76
growth rate
FCF 66.78
-20.23
266.36
183.34
-55.98
growth rate -100.0% 100.0% -31.2% -100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 288.89
283.23
302.05
287.98
269.74
growth rate -2.0% 6.6% -4.7% -6.3%
Op.Income 108.76
93.80
128.47
120.38
102.44
growth rate -13.8% 37.0% -6.3% -14.9%
IBT 103.78
87.66
122.75
108.49
98.15
growth rate -15.5% 40.0% -11.6% -9.5%
Net Income 78.97
66.00
90.98
80.31
74.03
growth rate -16.4% 37.9% -11.7% -7.8%
EPS
growth rate
Gross Profit 288.89
283.23
302.05
287.98
269.74
growth rate -2.0% 6.6% -4.7% -6.3%
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 (67.85)

YOY Growth Grade:

E (30.99)

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 12.19 11.53 10.17
EPS / Growth 2.5% 1.41 8.5%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 8.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.5% 6.6% 6.6%
Future PE 4.94 11.86 11.86
Future EPS 1.80 2.67 2.67
Value Price
MOS %
2.20
-86.5%
7.84
-51.8%
7.84
-51.8%
MOS Price 1.10 3.92 3.92
IRT 10.05 8.42 8.42

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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