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 $1.5 billion
Industry Regional banks
Trailing-12-Month Revenue $433.0 million
Management CEO Raymond Davis (since 1999)
CFO Ron Farnsworth Jr. (since 2008)
Return on Equity (average, past 3 years) (1.8%)
Dividend Yield 2.2%
Competitors Bank of America
US Bancorp
Wells Fargo

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

On CAPS, 92% of the 524 members who have rated Umpqua believe the stock will outperform the S&P 500 going forward.

This past fall, one of those bulls, FoolishMikee, tapped Umpqua as an income opportunity worth banking on:

[T]hey have been smart, aiming at increasing presence in the marketplace and states where they had limited/no presence. Although it took on TARP, and slashed its dividend during the financial crisis, the outlook is positive having paid that down and increasing its dividend in the most recent quarter. Umpqua has a positive future outlook with more to come.

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