| Company Name: | Umpqua Holdings Corporation | | Ticker Symbol: | UMPQ | | | WWW Address: | www.umpquabank.com | | CEO: | Raymond P. Davis | | No. of Employees: | 1,700 | | Common Issue Type: | CS | | Business Description: | A financial holding company, which is engaged in the business of commercial and retail banking and the delivery of retail brokerage services.
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| | | Industry Information: | BANKING - Regional - Pacific Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 11.35 |  0.24 | 10.44 | 12.25 | 11.09 | 11.43 | 10.81 | 945242 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 985.2 | 86.8 | 0.58 | 0.82 | 0.76 | 0.0 | 1.8 | 14.79 - 6.68 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 11.35 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 985.0 | mil |
| Latest Shares Outstanding | 86.8 | mil |
| Earnings pS (EPS) | 0.82 | $ |
| Dividend pS (DPS) | 0.76 | ¢ |
| Dividend Yield | 1.8 | % |
| Dividend Payout Ratio | 93 | % |
| Revenue per Employee | 318,442 | $ |
| Effective Tax Rate | 30.2 | % |
| Float | 85.6 | mil |
| Float as % of Shares Outstanding | 98.6 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | -27.8 | % |
| Pre-Tax Profit Margin | -28.9 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -1.3 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -6.9 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 6.6 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.19 | |
| LT Debt/Total Capital | 10.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 16.16 | $ |
| Tangible Book-Value pS | 8.63 | $ |
| Cash Flow pS | -1.55 | $ |
| Free Cash Flow pS | 3.28 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.70 | |
| Price/Tangible Book Ratio | 1.31 | |
| Price/Cash Flow | -7.3 | |
| Price/Free Cash Flow | 3.5 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 09/15/2009 |
| Dividend Ex-Date | 09/27/2009 |
| Dividend Record Date | 09/29/2009 |
| Dividend Pay Date | 10/14/2009 |
| Dividend Amount | 50 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.20 |
| Current Dividend Yield | 1.8 |
| 5-Y Average Dividend Yield | 2.3 |
| Payout Ratio | 93.0 |
| 5-Y Average Payout Ratio | 46.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 5.0 | 104 | 10,003 | 16,073 |
| 4 Weeks | 11.44 | 9.48 | 9.91 | 14.5 | 107 | 9,671 | 164,406 |
| 13 Weeks | 11.44 | 9.41 | 10.31 | 10.1 | 102 | 10,305 | 628,624 |
| 26 Weeks | 11.84 | 6.95 | 8.50 | 33.5 | 111 | 9,300 | 1,162,523 |
| 52 Weeks | 14.79 | 6.68 | 13.24 | -14.3 | 69 | 8,423 | 2,097,407 |
| YTD | 14.54 | 6.68 | - | -21.6 | 64 | 8,672 | 1,968,438 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 11.04 | 10.81 | 10.38 | 9.61 | 9.57 | 0.58 | 0.57 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 18.29 | 79.6 | 4.37 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 16.33 | 20.9 | -16.07 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -9.5 | -13.3 | -2.1 |
| Earnings % | -100.0 | -100.0 | -19.3 |
| EPS % | -100.0 | -100.0 | -21.9 |
| EPS $ | -2.88 | -0.34 | -0.23 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 20.42 |
| Free Cash Flow Margin 5YEAR AVG | 26.21 |
| Cash-Flow pS | 2.44 |
| Free Cash-Flow pS | 1.50 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 5.78 |
| Debt Ratio | 82.70 |
| Total Debt/Equity (Gearing Ratio) | 0.27 |
| LT Debt/Equity | 0.13 |
| LT Debt/Capital Invested | 11.66 |
| LT Debt/Total Liabilities | 2.76 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.12 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.07 |
| Enterprise Value (EV)/Free Cash Flow | 3.59 |
| Dividend Yield | 1.8 |
| Price/Tangible Book Ratio - LTM | 1.31 |
| Price/Book Ratio - LTM | 0.70 |
| Price/Cash Flow Ratio | -7.3 |
| Price/Free Cash Flow Ratio - LTM | 3.5 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 85.0 |
| P/E Ratio (52 weeks ago) - LTM | 14.1 |
| 5-Y High P/E Ratio | 28.6 |
| 5-Y Low P/E Ratio | 10.5 |
| 5-Y Average P/E Ratio | 17.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 8.63 |
| Book Value pS - LTM | 16.16 |
| Capital Invested pS | 19.40 |
| Cash Flow pS - LTM | -1.55 |
| Free Cash Flow pS - LTM | 3.28 |
| Earnings pS (EPS) | 0.82 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 3.97 |
| Return on Equity (ROE) - 5YEAR AVRG. | 6.2 |
| Return on Capital Invested (ROCI) | 3.03 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 4.9 |
| Return on Assets (ROA) | 0.59 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | -6.3 |
| EBITDA Margin - LTM | -27.8 |
| Pre-Tax Profit Margin | 26.65 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 42.01 |
| Net Profit Margin | 17.58 |
| Net Profit Margin - 5YEAR AVRG. | 27.03 |
| Effective Tax Rate | 28.60 |
| Effective Tax Rate - 5YEAR AVRG. | 32.53 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 295,071 |
| Net Income per Employee - LTM | -72,267 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,866.34 |
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