Based on the aggregated intelligence of 165,000-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

$1.3 billion

Industry

Regional banks

Trailing-12-Month Revenue

$226 million

Management

CEO Raymond Davis (since 1999)

CFO Ron Farnsworth, Jr. (since 2008)

Return on Equity (Average, Past 3 Years)

(1.6%)

Competitors

Wells Fargo (NYSE: WFC)

US Bancorp (NYSE: USB)

Bank of America (NYSE: BAC)

Sources: Capital IQ (a division of Standard & Poor's), Yahoo! Finance, and Motley Fool CAPS.

On CAPS, 92% of the 554 members who have rated Umpqua believe the stock will outperform the S&P 500 going forward. These bulls include All-Star Clint35, who is ranked in the top 20% of our community, and olyfisher.

About two months ago, Clint35 tapped Umpqua as a particularly bankable bet: "Good balance sheet. Selling below book value. Still pretty small, lots of room for growth. Hopefully the dividend will grow over the years as well."

Umpqua might not be a household name for most of the country, but in the Pacific Northwest, it happens to be the largest, not to mention hippest, independent community bank. With a customer experience that includes comfy designer sofas, free Internet, and a wide selection of magazines to peruse, Umpqua is often referred to as the Starbucks of the banking business. More importantly, with a price-to-book in line with Bank of America, and at a clear discount to west coast giant Wells Fargo and US Bancorp, Umpqua might be one of the coolest stocks around, as well.

Earlier this year, CAPS member olyfisher offered Fools some useful insight into the opportunity:

I live in the Pacific Northwest (PNW) and have had the opportunity to work directly with several of the Regional banks on a professional basis. ... Many different strategies have been followed in this "survival" process, as well as communication methods to investors and the general public. Those two behaviors are what I've watched most closely, and Umpqua Executives get the best grade of all the pure PNW Regional banks in those two areas. They, like others, still have challenges as our regional economy is weak with high unemployment, etc., but I consider Umpqua the best of the PNW based regionals.

What do you think about Umpqua, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Starbucks is a Motley Fool Stock Advisor selection. True to its name, The Motley Fool is made up of a motley assortment of writers and analysts, each with a unique perspective; sometimes we agree, sometimes we disagree, but we all believe in the power of learning from each other through our Foolish community. The Fool's disclosure policy always gets a perfect score.