Umpqua (NASDAQ: UMPQ) is one of 311 public companies in the “Banks” industry, but how does it compare to its rivals? We will compare Umpqua to similar businesses based on the strength of its profitability, earnings, risk, valuation, institutional ownership, dividends and analyst recommendations.

Dividends

Umpqua pays an annual dividend of $0.72 per share and has a dividend yield of 3.2%. Umpqua pays out 67.9% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.8% and pay out 35.5% of their earnings in the form of a dividend.

Earnings & Valuation

This table compares Umpqua and its rivals revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Umpqua $1.21 billion $232.94 million 20.97
Umpqua Competitors $5.58 billion $833.70 million 387.62

Umpqua’s rivals have higher revenue and earnings than Umpqua. Umpqua is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Umpqua and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Umpqua 1 4 3 0 2.25
Umpqua Competitors 2424 8745 8694 370 2.35

Umpqua presently has a consensus target price of $20.94, indicating a potential downside of 5.81%. As a group, “Banks” companies have a potential downside of 9.08%. Given Umpqua’s higher possible upside, analysts clearly believe Umpqua is more favorable than its rivals.

Insider and Institutional Ownership

88.2% of Umpqua shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 0.5% of Umpqua shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

Umpqua has a beta of 1.14, suggesting that its share price is 14% more volatile than the S&P 500. Comparatively, Umpqua’s rivals have a beta of 0.78, suggesting that their average share price is 22% less volatile than the S&P 500.

Profitability

This table compares Umpqua and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Umpqua 19.04% 5.79% 0.91%
Umpqua Competitors 18.28% 8.25% 0.93%

Summary

Umpqua rivals beat Umpqua on 10 of the 15 factors compared.

About Umpqua

Umpqua Holdings Corporation is a bank holding company. The Company’s principal operating subsidiaries include Umpqua Bank (the Bank) and Umpqua Investments, Inc. (Umpqua Investments). It operates through two segments: Community Banking and Home Lending. The Community Banking segment’s principal business focus is the offering of loan and deposit products to business and retail customers in its primary market areas. As of December 31, 2016, the Community Banking segment operated 346 locations throughout Oregon, California, Washington, Idaho and Nevada. The Home Lending segment originates, sells and services residential mortgage loans. The Company offers a range of traditional and digital financial products. Its products and services include Deposit Products, Private Bank, Broker Dealer and Investment Advisory Services, Commercial Loans and Leases and Commercial Real Estate Loans, and Consumer Loans.

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