Umpqua (UMPQ) & The Competition Head-To-Head Analysis

Umpqua (NASDAQ: UMPQ) is one of 314 public companies in the “Banks” industry, but how does it contrast to its peers? We will compare Umpqua to similar businesses based on the strength of its risk, analyst recommendations, institutional ownership, profitability, earnings, valuation and dividends.

Profitability

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

Net Margins Return on Equity Return on Assets
Umpqua 20.30% 5.92% 0.93%
Umpqua Competitors 17.45% 8.41% 0.95%

Dividends

Umpqua pays an annual dividend of $0.72 per share and has a dividend yield of 3.4%. Umpqua pays out 63.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 38.4% of their earnings in the form of a dividend.

Valuation & Earnings

This table compares Umpqua and its peers revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Umpqua $1.22 billion $246.99 million 18.73
Umpqua Competitors $5.61 billion $767.18 million 386.96

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

Insider & Institutional Ownership

88.2% of Umpqua shares are owned by institutional investors. Comparatively, 51.8% of shares of all “Banks” companies are owned by institutional investors. 0.5% of Umpqua shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations for Umpqua and its peers, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Umpqua 1 5 3 0 2.22
Umpqua Competitors 2517 9102 9033 380 2.35

Umpqua currently has a consensus price target of $21.44, indicating a potential upside of 1.30%. As a group, “Banks” companies have a potential downside of 0.40%. Given Umpqua’s higher possible upside, equities research analysts clearly believe Umpqua is more favorable than its peers.

Volatility & Risk

Umpqua has a beta of 1.1, indicating that its stock price is 10% more volatile than the S&P 500. Comparatively, Umpqua’s peers have a beta of 0.76, indicating that their average stock price is 24% less volatile than the S&P 500.

Summary

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

Umpqua Company Profile

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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