Item 2.02 Results of Operations and Financial Condition.

On January 23, 2023, Umpqua Holdings Corporation issued a press release announcing fourth quarter and full year 2022 financial results. The release is attached hereto as Exhibit 99.1. The information included in the press release is considered to be "furnished" under the Securities Exchange Act of 1934, as amended (the "Exchange Act"). Umpqua Holdings Corporation will include final financial statements and additional analyses for the year ended December 31, 2022 as part of its annual report on Form 10-K covering that period.




Item 7.01   Regulation FD Disclosure

Umpqua Holdings Corporation is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on January 24, 2023. The slides are included as Exhibit 99.2 to this report and shall not be deemed to be "filed" for the purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.



Item 9.01            Financial Statements and Exhibits.

(d)                  EXHIBITS

                       99.1 Press Release announcing fourth quarter and full year 202    2
                       financial results dated January     23    , 20    23
                       99.2 Fourth Quarter 202    2     Investor Presentation
                     104 Cover Page Interactive Data File (embedded within the Inline XBRL
                     document)

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