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This stock no longer trades (delisted February 28, 2023)

Delisted / no longer publicly traded (per market data provider) Everything below is based on the last available data — treat it as historical, not a live read.

Stock

Umpqua Holdings Corporation

UMPQ
28
Banks - Regional · Financial Services
Price
$17.66
+0.00 (+0.00%)
Market Cap
$3.83B
Exchange
NASDAQ Global Select
Winston Score
28
Historical score — this stock no longer trades, so the score is frozen at the last available data.
Data as of Oct 18, 2026 · filings through Dec 31, 2022

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Weak
2/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Good
5/10
Ownership
Mixed
4/15
Dividends
Good
3/5

14 of 50 counted points = Winston Score 28. Pillars marked n/a do not apply to this company and are left out of the total.

Share count falling — buybacks

−1.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 220.7M (2018) → 217.4M (2022)

§Winston Score History

The full picture

Umpqua Holdings is the parent company of Columbia Banking System, a regional bank serving customers across the Pacific Northwest and broader Western United States. It offers checking and savings accounts, home loans, business lending, and wealth management services to individuals and small-to-mid-sized businesses. The bank is one of the largest community-oriented banks in the Western U.S.

Umpqua makes money primarily from the interest it earns on loans minus the interest it pays on deposits, along with fees from banking services. It operates hundreds of branches, mainly in Oregon, Washington, California, and neighboring states. The bank has built a reputation for strong customer service and local community ties, which helps it retain deposits in competitive markets. Key growth opportunities include expanding its commercial lending and digital banking capabilities, though rising credit losses or a prolonged economic slowdown in its regional markets remain meaningful risks.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-7.3% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.1%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$7.8B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Umpqua Holdings Corporation is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
-0.5%
Shrinking sales (-0.5% YoY)
Profit growth
EPS YoY
-19.3%
Earnings shrinking (-19.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
2/8 quarters
Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
11.4x
Attractive valuation — P/E 11.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
4.76%
Healthy income — 4.76% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+0.0%
Dividend flat
Payout Ratio
54%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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