Umpqua Hldgs Stock Price, News & Analysis

Umpqua Holdings Corporation (Nasdaq: UMPQ) was a financial services holding company in the savings institutions and broader banking industry. It served as the parent company of Umpqua Bank, an Oregon-based regional bank, and other financial subsidiaries. According to company disclosures, Umpqua Holdings Corporation was headquartered in Oregon and operated primarily in the western United States through its banking and finance businesses.

Umpqua Bank, described in multiple company releases as an Oregon-based regional bank, operates across Oregon, Washington, California, Idaho, Nevada, Arizona, and Colorado. The bank has been recognized for its customer experience and banking strategy by national publications such as The Wall Street Journal, The New York Times, BusinessWeek, Fast Company and CNBC. Various business publications have also highlighted Umpqua for customer satisfaction and as a highly regarded financial services company in its home region.

In addition to its core banking activities, Umpqua Holdings Corporation owned Financial Pacific Leasing, Inc., described as a nationally recognized commercial finance company that provides equipment leases to businesses. Earlier descriptions also reference a retail brokerage subsidiary, Umpqua Investments, Inc., which operated in Umpqua Bank locations and dedicated offices in Oregon. These activities positioned Umpqua within the broader finance and insurance sector, with exposure to community banking, regional commercial banking, and equipment finance.

Business focus and operating footprint

Company materials describe Umpqua Bank as a regional financial institution supporting businesses of all sizes and consumers across multiple western states. Its presence includes a network of branches and banking offices, through which it offers retail and commercial banking capabilities. Umpqua has emphasized relationship banking with customers and communities, and has highlighted its role in serving small and middle market businesses in markets such as Arizona and the Mountain West.

Umpqua’s operations have included a Core Banking segment and a Mortgage Banking segment. The Core Banking segment encompasses commercial, retail, and private banking, as well as operations, technology, and administrative functions of the bank and holding company. The Mortgage Banking segment covers revenue from the production and sale of residential real estate loans, servicing income from the serviced loan portfolio, and mortgage servicing rights (MSR)–related items and associated expenses. Residential real estate loans held for investment are included in Core Banking, reflecting their role as an anchor product for consumer and wealth channels.

Merger with Columbia Banking System

Umpqua Holdings Corporation entered into a combination with Columbia Banking System, Inc. (Nasdaq: COLB), the parent company of Columbia Bank. A joint announcement dated January 9, 2023, states that the Federal Deposit Insurance Corporation (FDIC) approved the previously announced combination of the two companies and that all required shareholder and regulatory approvals had been obtained. The companies indicated that the merger was expected to be completed by the end of February 2023, subject to remaining closing conditions.

According to that announcement, upon closing of the transaction the holding company would operate under the Columbia Banking System, Inc. name and be headquartered in Tacoma, Washington, while the bank would operate under the Umpqua Bank name and be headquartered in Lake Oswego, Oregon. The combined company would trade under Columbia’s ticker symbol COLB on the Nasdaq Stock Market. As a result, the UMPQ ticker represents the historical listing for Umpqua Holdings Corporation prior to its combination with Columbia Banking System.

Role in the western U.S. banking market

In merger-related disclosures, Columbia and Umpqua stated that, upon closing, the combined company would become one of the largest banks headquartered in the West, with offices in eight western states and customers in all 50 states. Umpqua Bank’s own descriptions emphasize its presence in Oregon, Washington, California, Idaho, Nevada, Arizona, and Colorado, and its focus on supporting high‑growth companies and communities throughout the western United States. The bank has also highlighted expansion of its middle market banking teams, including in Phoenix, Arizona, to support mid-size companies.

Company communications note that Umpqua Bank has been recognized for customer satisfaction in the Northwest region and has received repeated recognition from regional business publications as a highly admired financial services company in Oregon. These references underscore its profile as a regional bank with a focus on customer experience and community engagement.

Community and small business initiatives

Umpqua Bank has described several initiatives aimed at small businesses and underserved entrepreneurs. One example is the Umpqua Bank Loan Fund established with Kiva as part of a Small Business Empowerment Program. Through this partnership, Umpqua Bank committed funds to match crowdfunded microloans for BIPOC and women entrepreneurs in Oregon, Washington, California, and Idaho. Company disclosures state that the fund reached its initial goal of deploying $1 million in microloans, supporting nearly 200 entrepreneurs and addressing gaps in access to early-stage capital.

The bank has also published an annual Business Barometer, a nationwide survey of small and middle market businesses. The 2025 Business Barometer release describes polling nearly 1,300 small businesses and middle market companies across the U.S. about their economic outlook, investment priorities, and responses to topics such as tariffs, generative AI, and cybersecurity. Through this survey work, Umpqua Bank presents itself as a regional institution that also studies and reports on broader business sentiment.

Financial profile and segments (historical)

Historical earnings releases for 2022 describe Umpqua Holdings Corporation as having total consolidated assets in the tens of billions of dollars, with loan and deposit balances also in the multi‑billion‑dollar range. The company reported net interest income, non‑interest income, and non‑interest expense across its Core Banking and Mortgage Banking segments, as well as metrics such as net interest margin, loan‑to‑deposit ratio, and regulatory capital ratios. These disclosures indicate that Umpqua operated as a sizeable regional banking organization prior to its merger with Columbia Banking System.

Credit quality discussions in these releases reference an allowance for credit losses on loans and leases, net charge‑offs as a percentage of average loans and leases, and non‑performing assets as a percentage of total assets. The company also reported on its capital position, including estimated total risk‑based capital and tier 1 risk‑based capital ratios, and noted that it remained above “well‑capitalized” regulatory minimums during the periods discussed.

Status of the UMPQ ticker

Following the completion of the combination with Columbia Banking System described in the joint January 2023 announcement, the combined company trades under the COLB ticker on Nasdaq. The UMPQ symbol therefore represents the historical listing of Umpqua Holdings Corporation prior to that transaction. Investors researching UMPQ are typically reviewing historical information about Umpqua Holdings Corporation and its legacy financial statements, corporate actions, and regulatory disclosures leading up to its merger into Columbia Banking System.