UMPQ · Umpqua Holdings Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $85.83M | $84.63M | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $28.30M | $31.50M | $37.47M | $43.29M | $59.26M | $50.10M |
| Operating Income | $450.58M | ($1.46B) | ($1.46B) | $468.90M | $422.69M | $341.95M |
| Interest Expense | $78.00M | $42.40M | $130.11M | $210.44M | $128.51M | $78.22M |
| Income Tax | $113.83M | $137.86M | $67.00M | $114.81M | $106.42M | $95.94M |
| Net Income | $336.75M | $420.30M | ($1.52B) | $354.10M | $316.25M | $245.96M |
| EPS - Basic | $1.55 | $1.92 | ($6.92) | $1.61 | $1.44 | $1.12 |
| EPS - Diluted | $1.55 | $1.91 | ($6.92) | $1.60 | $1.43 | $1.11 |
Balance Sheet
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.29B | $2.76B | $2.57B | $1.36B | $622.64M | $634.28M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $31.85B | $30.64B | $29.24B | $28.85B | $26.94B | $25.74B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $905.00M | - | $770.00M | $905.00M | $750.00M | $800.14M |
| Total Liabilities | $29.37B | $27.89B | $26.53B | $24.53B | $22.88B | $21.73B |
| Stockholders' Equity | $2.48B | $2.75B | $2.70B | $4.31B | $4.06B | $4.01B |
| Retained Earnings | ($543.80M) | ($697.34M) | ($932.77M) | $770.37M | $602.48M | $522.52M |
Cash Flow
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.07B | $662.72M | $93.77M | ($80.48M) | $505.24M | $509.71M |
| Investing Cash Flow | ($3.53B) | ($1.53B) | ($960.11M) | ($550.15M) | ($1.50B) | ($1.99B) |
| Financing Cash Flow | $1.00B | $1.06B | $2.08B | $1.37B | $982.30M | $666.76M |
| CapEx | $27.09M | $15.48M | $11.99M | $12.68M | $30.31M | - |
| Free Cash Flow | $1.04B | $647.25M | $81.79M | ($93.16M) | $474.93M | - |
Ratios
| Metric | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 525.0% | -1721.0% | - | - | - | - |
| EBITDA margin | 558.0% | -1683.8% | - | - | - | - |
| Net margin | 392.4% | 496.7% | - | - | - | - |
| Free cash flow margin | 1209.4% | 764.8% | - | - | - | - |
| FCF / Net income | 3.08 | 1.54 | -0.05 | -0.26 | 1.50 | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 25.3% | 24.7% | - | 24.5% | 25.2% | 28.1% |
| Return on assets | 1.1% | 1.4% | -5.2% | 1.2% | 1.2% | 1.0% |
| Return on equity | 13.6% | 15.3% | -56.3% | 8.2% | 7.8% | 6.1% |
| Return on invested capital | 9.9% | - | -33.1% | 6.8% | 6.6% | 5.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.36 | - | 0.28 | 0.21 | 0.18 | 0.20 |
| Debt / Assets | 0.03 | - | 0.03 | 0.03 | 0.03 | 0.03 |
| Debt / EBITDA | 1.89 | - | - | 1.77 | 1.56 | 2.04 |
| Interest coverage | 5.8x | -34.4x | -11.2x | 2.2x | 3.3x | 4.4x |
| Equity multiplier | 12.84 | 11.15 | 10.81 | 6.69 | 6.64 | 6.41 |
| Liabilities / Assets | 0.92 | 0.91 | 0.91 | 0.85 | 0.85 | 0.84 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 1.4% | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | 0.0% | - | 10.9% | 23.6% | -6.5% |
| Net income growth (YoY) | -19.9% | - | - | 12.0% | 28.6% | 5.6% |
| EPS growth (YoY) | -18.8% | - | - | 11.9% | 28.8% | 5.7% |
| EPS CAGR (3y) | -1.1% | 10.1% | - | 15.1% | 12.3% | 12.5% |
| EPS CAGR (5y) | 6.9% | 12.7% | - | 15.5% | 17.1% | 4.3% |
| FCF growth (YoY) | 60.4% | 691.4% | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | 26.2% | - |
| Book value growth (YoY) | -9.8% | 1.7% | -37.3% | 6.3% | 1.0% | 2.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Product / service
$125.40M totalTotal Service Chargeson Deposits$42.09M · 33.6%
Card Based Fees$36.11M · 28.8%
Account Service Fees$24.14M · 19.2%
Transactionbasedandoverdraftservicecharges$17.95M · 14.3%
Investment Advisory Management And Administrative Service$5.11M · 4.1%
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing UMPQUA HOLDINGS CORP against the 5 most active filers in the same SIC group.