On the stock market since 1976, it operates in the world of money and finance. It has 4,000 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
An average decline of 44% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades 20% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 277% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 34 buys and 30 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.84 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 54% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.
The sales tempo runs behind the sector. Council score: 2/10.
On our five-subject report card, UMPQ sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: UMPQ is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.