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 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | $7.61M | - | - | - | $7.76M | - | - |
| Operating Income | - | - | - | $142.64M | - | $143.94M | $154.43M | $142.64M | - | $158.63M |
| Interest Expense | - | $15.92M | $8.13M | $7.18M | - | $8.35M | $10.99M | $15.58M | - | $25.73M |
| Income Tax | - | $27.47M | $26.55M | $30.34M | - | $35.88M | $38.29M | $34.90M | - | $33.76M |
| Net Income | - | $84.04M | $78.59M | $88.35M | - | $108.07M | $116.14M | $107.74M | - | $124.87M |
| EPS - Basic | - | $0.39 | $0.36 | $0.42 | - | $0.49 | $0.53 | $0.49 | - | $0.57 |
| EPS - Diluted | - | $0.39 | $0.36 | $0.42 | - | $0.49 | $0.53 | $0.49 | - | $0.57 |
Balance Sheet
| Line item | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.29B | $1.55B | $1.00B | $2.67B | $2.76B | $3.74B | $3.09B | $3.24B | $2.57B | $2.22B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $31.85B | $31.47B | $30.14B | $30.64B | $30.64B | $30.89B | $30.28B | $30.04B | $29.24B | $29.44B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $905.00M | - | - | - | - | - | - | - | $770.00M | - |
| Total Liabilities | $29.37B | $29.05B | $27.62B | $28.03B | $27.89B | $28.17B | $27.52B | $27.35B | $26.53B | $26.83B |
| Stockholders' Equity | $2.48B | $2.42B | $2.52B | $2.61B | $2.75B | $2.72B | $2.77B | $2.68B | $2.70B | $2.61B |
| Retained Earnings | ($543.80M) | ($580.93M) | ($619.11M) | ($651.91M) | ($697.34M) | ($739.91M) | ($801.95M) | ($871.51M) | ($932.77M) | ($1.04B) |
Cash Flow
| Line item | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | $275.32M | - | - | - | $392.01M | - | - |
| Investing Cash Flow | - | - | - | ($434.14M) | - | - | - | ($495.11M) | - | - |
| Financing Cash Flow | - | - | - | $62.63M | - | - | - | $771.10M | - | - |
| CapEx | - | - | - | $3.74M | - | - | - | $4.01M | - | - |
| Free Cash Flow | - | - | - | $271.59M | - | - | - | $388.01M | - | - |
Ratios
| Metric | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | 3.07 | - | - | - | 3.60 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | 24.6% | 25.3% | 25.6% | - | 24.9% | 24.8% | 24.5% | - | 21.3% |
| Return on assets | - | 0.3% | 0.3% | 0.3% | - | 0.3% | 0.4% | 0.4% | - | 0.4% |
| Return on equity | - | 3.5% | 3.1% | 3.4% | - | 4.0% | 4.2% | 4.0% | - | 4.8% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.36 | - | - | - | - | - | - | - | 0.28 | - |
| Debt / Assets | 0.03 | - | - | - | - | - | - | - | 0.03 | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | 19.9x | - | 17.2x | 14.0x | 9.2x | - | 6.2x |
| Equity multiplier | 12.84 | 13.02 | 11.97 | 11.75 | 11.15 | 11.35 | 10.95 | 11.20 | 10.81 | 11.28 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| 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) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | 0.0% | - | -9.3% | 161.8% | - | - | 43.3% |
| Net income growth (YoY) | - | -22.2% | -32.3% | -18.0% | - | -13.5% | 119.4% | - | - | 47.8% |
| EPS growth (YoY) | - | -20.4% | -32.1% | -14.3% | - | -14.0% | 120.8% | - | - | 50.0% |
| EPS CAGR (3y) | - | 0.9% | -11.0% | 7.3% | - | 6.1% | 20.9% | 11.9% | - | 26.7% |
| EPS CAGR (5y) | - | 6.9% | 6.7% | 14.9% | - | 11.8% | 16.2% | 17.4% | - | 17.0% |
| FCF growth (YoY) | - | - | - | -30.0% | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | 38.7% | - | - | - | 64.0% | - | - |
| Book value growth (YoY) | -9.8% | -11.2% | -9.0% | -2.8% | 1.7% | 4.3% | 9.0% | 6.9% | -37.3% | -39.1% |
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%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing UMPQUA HOLDINGS CORP against the 5 most active filers in the same SIC group.