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Umpqua Holdings Corporation
UMPQFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $121.53M | 277.1% | $336.75M | $72.92M | N/A |
| 2027 | $133.68M | 277.1% | $370.43M | $80.21M | $72.92M |
| 2028 | $147.05M | 277.1% | $407.47M | $88.23M | $72.92M |
| 2029 | $161.75M | 277.1% | $448.22M | $97.05M | $72.92M |
| 2030 | $177.93M | 277.1% | $493.04M | $106.76M | $72.92M |
| 2031 | $195.72M | 277.1% | $542.34M | $117.43M | $72.92M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.55 | 2022-12-31 |
| EPS growth | -19.3% | Forecast years: 5 |
| Future EPS | $0.531 | EPS × (1 + G)^5 |
| Base P/E | 11.5 | P/E |
| Future price | $6.101 | Future EPS × P/E |
| Fair value today | $3.788 | PV @ 10.0% |
| 30% safety price | $2.652 | Margin of safety |
| 50% safety price | $1.894 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $5.895 | $6.674 | $7.735 |
| 10.0% | $5.11 | $5.683 | $6.433 |
| 11.0% | $4.49 | $4.927 | $5.48 |