Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, regional bank Umpqua Holdings (Nasdaq: UMPQ) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Umpqua's business and see what CAPS investors are saying about the stock right now.

Umpqua facts

Headquarters (founded) Portland, Ore. (1953)
Market Cap $1.4 billlion
Industry Regional banks
Trailing-12-Month Revenue $483.0 million
Management CEO Raymond Davis (since 1999)
CFO Ronald Farnsworth Jr. (since 2008)
Return on Equity (average, past 3 years) 2.3%
Cash/Debt $687.0 million / $610.6 million
Dividend Yield 2.9%
Competitors Bank of America
US Bancorp
Wells Fargo

Sources: S&P Capital IQ and Motley Fool CAPS.

On CAPS, 92% of the 512 members who have rated Umpqua believe the stock will outperform the S&P 500 going forward.

Earlier this week, one of those Fools, ir4getful, succinctly summed up the Umpqua bull case for our community:

Perhaps a little early to buy, but this is a well run regional banking enterprise which is positioning itself well to benefit as banks again become more profitable. Will need some help in interest rates so its hard to tell how long that might be. In the meantime, dividend is decent and stock is relatively cheap.

If you want market-beating returns, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future. Of course, despite a strong four-star rating, Umpqua may not be your top choice.

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Want to see how well (or not so well) the stocks in this series are performing? Follow the TrackPoisedTo CAPS account.