UMPQUA HOLDINGS CORP
Financials · Savings Institution, Federally Chartered · OR · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | $85.8M | $83.3M | $84.6M | $94.5M | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $336.8M | $420.3M | −$1.52B | $354.1M | $316.3M | $242.3M |
| Total assets | $31.85B | $30.64B | $29.24B | $28.85B | $26.94B | $25.68B |
| Total liabilities | $29.37B | $27.89B | $26.53B | $24.53B | $22.88B | $21.71B |
| Equity | $2.48B | $2.75B | $2.70B | $4.31B | $4.06B | $3.97B |
| EPS (diluted) | $1.55 | $1.91 | $-6.92 | $1.60 | $1.43 | $1.10 |
| Shares out. | 216.6M | 220.2M | 220.3M | 220.3M | 220.3M | 220.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- 392.4%
- Return on equity
- 13.6%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.2%
- Debt / equity
- 11.84×
- Book value / share
- $11.45
- Revenue growth (YoY)
- 3.0%
- Net income growth (YoY)
- −19.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2022- Accruals / assets
- −2.3%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jan 14, 2015
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventMar 1, 2023
- Results of operations · Regulation FD disclosureJan 24, 2023
- Regulation FD disclosure · Other material eventJan 11, 2023
- Entered a material agreement · Delisting / listing-standard notice · Other material eventJan 10, 2023
- Other material eventOct 26, 2022
- Results of operations · Regulation FD disclosureOct 19, 2022
- Other material eventOct 3, 2022
- Regulation FD disclosureSep 30, 2022
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/ASEC SCHEDULE 13GFeb 9, 2024
- 15-12GMar 13, 2023
- SC 13G/AMar 8, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 2, 2023
- 4PRIMARY DOCUMENTMar 1, 2023
- 4PRIMARY DOCUMENTMar 1, 2023
- 4PRIMARY DOCUMENTMar 1, 2023
Event-driven situations (1)
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