Umpqua Holdings Corporation
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 b…
Banks - Regional
US, Portland [HQ]
Ratios
14 Sheets · From 2022 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | -38.90 | 6.10 | 14.52 | 19.17 | 18.73 | 15.54 | 19.43 | 20.35 | 21.63 | 25.98 | 28.18 | -117.68 | 32.94 | 277.10 | |
| Operating Margin | -23.15 | 27.56 | 35.98 | 38.40 | 35.97 | 29.24 | 35.39 | 37.71 | 36.93 | 45.28 | 37.32 | -112.51 | 43.74 | 351.12 | |
|
EPS Growth
|
-356.47 | 111.93 | 150.00 | 40.00 | -3.30 | -10.23 | 27.85 | 4.95 | 5.66 | 27.68 | 12.59 | -529.81 | 127.75 | -19.27 | |
| EPS USD | -218.00 | 26.00 | 65.00 | 91.00 | 88.00 | 79.00 | 101.00 | 106.00 | 112.00 | 143.00 | 161.00 | -692.00 | 192.00 | 155.00 | |
| Return on Assets (ROA) | -1.63 | 0.24 | 0.64 | 0.86 | 0.85 | 0.65 | 0.95 | 0.94 | 0.96 | 1.17 | 1.23 | -5.21 | 1.37 | 1.06 | |
| Return on Equity (ROE) | -9.79 | 1.72 | 4.45 | 5.91 | 5.69 | 3.90 | 5.78 | 5.95 | 6.13 | 7.80 | 8.21 | -56.33 | 15.29 | 13.58 | |
| Return on Invested Capital (ROIC) | -3.93 | 4.52 | 5.22 | 6.16 | 5.67 | 3.48 | 5.10 | 5.36 | 5.82 | 7.93 | 6.08 | -37.65 | 12.63 | 7.83 | |
| Solvency | |||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 2.83 | 6.08 | 6.03 | 3.81 | 3.79 | 6.00 | 5.33 | 4.90 | 4.59 | 4.24 | 4.82 | 4.20 | 1.58 | 4.71 | |
| Debt/Equity | 16.93 | 43.17 | 41.66 | 26.08 | 25.51 | 35.90 | 32.36 | 31.03 | 29.39 | 28.14 | 32.21 | 45.43 | 17.56 | 60.53 | |
| Debt/EBITDA | 427.33 | -215.14 | 49.59 | -42.76 | -168.82 | -79.62 | 103.24 | -47.64 | 114.16 | 85.95 | 5.61 | 92.64 | -404.98 | 25.20 | |
|
Debt/Capitalization
|
14.47 | 30.15 | 29.41 | 20.69 | 20.33 | 26.41 | 24.45 | 23.68 | 22.72 | 21.96 | 24.36 | 31.24 | 14.94 | 37.71 | |
| Long-Term Debt/Capitalization | 10.76 | 21.37 | 20.87 | 20.69 | 20.33 | 26.41 | 24.45 | 23.68 | 22.72 | 21.96 | 24.36 | 31.24 | 14.94 | 36.24 | |
| Interest Debt per Share USD | 5.23 | 7.44 | 6.74 | 4.45 | 4.28 | 7.54 | 5.92 | 5.82 | 5.71 | 5.75 | 7.25 | 6.17 | 2.39 | 7.26 | |
| Debt Growth | -34.16 | 167.45 | -1.73 | -35.47 | -2.00 | 208.00 | -8.24 | -2.40 | -2.91 | -3.28 | 21.73 | -11.57 | -60.70 | 191.86 | |
| Liquidity | |||||||||||||||
| Current Ratio | 8,943.94 | 3,009.87 | 2,949.04 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 1,054.95 | |
| Quick Ratio | 793.73 | 382.15 | 234.40 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 6,901.93 | |
| Cash Ratio | 793.73 | 382.15 | 234.19 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 1,411.92 | |
| Operating Cash Flow Ratio | 100 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 1,100 | |
| Turnover | |||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | - - | - - | - - | 1,012.92 | 129.89 | 160.82 | 144.50 | 113.18 | 90.69 | 86.10 | 85.75 | 88.87 | 86.94 | 6.61 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
4.20 | 3.98 | 4.44 | 4.51 | 4.51 | 4.20 | 4.90 | 4.61 | 4.42 | 4.52 | 4.36 | 4.43 | 4.16 | 0.38 | |
| Fixed Turnover | 381.76 | 339.86 | 336.64 | 326.69 | 295.56 | 298.58 | 348.45 | 376.73 | 422.63 | 535.21 | 402.53 | 457.45 | 503.36 | 47.73 | |
| Coverage | |||||||||||||||
| Interest Coverage | -88.60 | 136.38 | 251.76 | 417.74 | 498.69 | 569.92 | 696.11 | 653.66 | 537.19 | 428.91 | 222.82 | -1,119.39 | 1,316.54 | 547.05 | |
| Asset Coverage | 3,200 | 1,500 | 1,500 | 2,600 | 2,600 | 1,600 | 1,800 | 2,000 | 2,100 | 2,300 | 2,000 | 2,300 | 6,300 | 2,200 | |
| Cash Flow Coverage (CFGR) | 35.16 | 28.02 | 26.17 | 5.89 | 93.74 | 25.96 | 30.25 | 34.69 | 43.19 | 44.27 | -5.79 | 7.63 | 137.24 | 70.95 | |
| EBITDA Coverage | - - | 100 | 200 | 400 | 500 | 600 | 700 | 700 | 600 | 400 | 200 | -1,100 | 1,300 | 500 | |
| Dividend Coverage | 600 | -100 | -200 | -200 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | 800 | -200 | -100 | |
| Time Interest Earned (TIE) | - - | 200 | 200 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | - - | -100 | 1,800 | |
| Market Prospects | |||||||||||||||
| Dividend Yield | 2.56 | 1.85 | 1.79 | 3.50 | 2.37 | 3.13 | 3.84 | 3.41 | 3.17 | 4.96 | 4.74 | 5.55 | 4.35 | 4.70 | |
| Earnings Yield | -16.25 | 2.16 | 5.26 | 7.72 | 4.59 | 4.65 | 6.35 | 5.63 | 5.37 | 9.01 | 9.07 | -45.69 | 9.95 | 8.68 | |
|
Price/Earnings (P/E)
|
-615.56 | 4,640.60 | 1,899.68 | 1,295.22 | 2,178.19 | 2,151.04 | 1,574.20 | 1,775.95 | 1,862.14 | 1,109.75 | 1,102.95 | -218.86 | 1,005.17 | 1,152.37 | |
| Price/Earnings Growth (PEG) | 1.73 | -41.46 | 12.66 | 32.38 | -660.72 | -210.32 | 56.53 | 358.74 | 328.98 | 40.09 | 87.62 | 0.41 | -7.87 | -59.80 | |
|
Price/Book (P/B)
|
60.26 | 80.03 | 84.62 | 76.55 | 124.03 | 83.93 | 91.01 | 105.62 | 114.11 | 86.52 | 90.53 | 123.28 | 153.67 | 156.49 | |
| Price/Tangible Book (P/TB) | 60.26 | 80.03 | 84.62 | 76.55 | 124.03 | 83.93 | 91.01 | 105.62 | 114.11 | 86.52 | 90.53 | 123.28 | 153.67 | 156.49 | |
| Price/Sales (P/S) | 239.47 | 283.14 | 275.90 | 248.34 | 407.97 | 334.37 | 305.83 | 361.36 | 402.69 | 288.35 | 310.80 | 257.55 | 331.10 | 3,193.24 | |
|
Price/Cash Flow (P/CF)
|
1,012.65 | 661.72 | 776.07 | 4,982.86 | 518.64 | 900.51 | 929.87 | 981.14 | 898.79 | 694.66 | -4,852.82 | 3,555.46 | 637.48 | 364.37 | |
| Price/Free CF (P/FCF) | 1,151.47 | 870.01 | 953.77 | 35,979.00 | 565.15 | 1,093.42 | 1,139.63 | 1,057.14 | 906.40 | 707.24 | -4,192.48 | 4,076.52 | 652.73 | 373.88 | |
| Price/Operating CF (P/OCF) | 1,012.65 | 661.72 | 776.07 | 4,982.86 | 518.64 | 900.51 | 929.87 | 981.14 | 898.79 | 694.66 | -4,852.82 | 3,555.46 | 637.48 | 364.37 |