Definitive Analysis
Definitive Analysis

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Umpqua Holdings Corporation (UMPQ)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$16.12 - $25.59$20.43
Multi-Stage$22.02 - $24.09$23.03
Blended Fair Value$21.73
Current Price$17.85
Upside21.76%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2022202120202019201820172016201520142013
DPS4.62%14.71%0.840.850.850.850.800.670.650.620.460.23
YoY Growth---0.80%-0.67%-0.07%6.43%19.61%3.07%4.80%35.66%95.46%9.89%
Dividend Yield--4.70%4.48%4.85%7.81%4.69%3.12%3.66%3.90%2.66%1.25%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)336.75
(-) Cash Dividends Paid (M)182.27
(=) Cash Retained (M)154.48
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)67.3542.0925.26
Cash Retained (M)154.48154.48154.48
(-) Cash Required (M)-67.35-42.09-25.26
(=) Excess Retained (M)87.13112.39129.22
(/) Shares Outstanding (M)217.41217.41217.41
(=) Excess Retained per Share0.400.520.59
LTM Dividend per Share0.840.840.84
(+) Excess Retained per Share0.400.520.59
(=) Adjusted Dividend1.241.361.43
WACC / Discount Rate8.87%8.87%8.87%
Growth Rate1.10%2.10%3.10%
Fair Value$16.12$20.43$25.59
Upside / Downside-9.70%14.47%43.37%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)336.75343.81351.02358.37365.89373.56384.76
Payout Ratio54.13%61.30%68.48%75.65%82.83%90.00%92.50%
Projected Dividends (M)182.27210.76240.36271.11303.05336.20355.91

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.87%8.87%8.87%
Growth Rate1.10%2.10%3.10%
Year 1 PV (M)191.70193.59195.49
Year 2 PV (M)198.85202.80206.79
Year 3 PV (M)204.00210.11216.34
Year 4 PV (M)207.40215.73224.30
Year 5 PV (M)209.28219.83230.81
PV of Terminal Value (M)3,775.253,965.704,163.76
Equity Value (M)4,786.465,007.765,237.49
Shares Outstanding (M)217.41217.41217.41
Fair Value$22.02$23.03$24.09
Upside / Downside23.34%29.04%34.96%

High-Yield Dividend Screener

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