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0 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended : December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 for the transition period from Oregon ( State or other jurisdiction of incorporation or organization ) to Umpqua Holdings Corporation ( Exact name of registrant as specified in its charter ) Commission file number : 001-34624 Securities registered pursuant to Section 12 ( b ) of the Act : TITLE OF EACH CLASS Common Stock One SW Columbia Street , Suite 1200 Portland , Oregon 97258 ( Address of Principal Executive Offices ) ( Zip Code ) ( 503 ) 727-4100 ( Registrant's telephone number , including area code ) Large accelerated filer Non - accelerated filer TRADING SYMBOL ( I.R.S. Employer Identification No. ) of incorporation or organization ) UMPQ Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . 93-1261319 Indicate by check mark whether the registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) ; and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes NO □ X Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No NAME OF EXCHANGE The NASDAQ Global Select Market Yes > No Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . ( Check one ) : The registrant had outstanding 220,228,968 shares of common stock as of January 31 , 2021 . Accelerated filer Smaller reporting company Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . ooo Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . DOCUMENTS INCORPORATED BY REFERENCE Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No The aggregate market value of the voting common stock held by non - affiliates of the registrant as of June 30 , 2020 , based on the closing price on that date of $ 10.64 per share , and 138,634,927 shares held was $ 1,475,075,623 . Portions of the Proxy Statement for the 2021 Annual Meeting of Shareholders of Umpqua Holdings Corporation ( " Proxy Statement " ) are incorporated by reference in this Form 10 - K in response to Part III , Items 10 , 11 , 12 , 13 and 14 .